Holvi business account 2026: price list and monthly fee
In October 2026, Holvi's cheapest package, Holvi Flex, is €0/month, but every incoming and outgoing SEPA transfer costs €0.25 and VAT is added to all prices. Holvi is a payment institution, so funds have no deposit guarantee, and e-invoices are only included from the Pro package (€18/month + VAT).
Holvi business account prices and terms
| Opening fee | €0.00 (no opening fee) |
|---|---|
| Cheapest plan | Holvi Flex |
| Monthly price | €0.00 (virtual card only; physical card €3.00/month, + VAT) |
| Included in the plan | 1 Finnish IBAN account, virtual debit card (Apple Pay and Google Pay), invoicing tool and 1 user; every SEPA transfer €0.25 |
| Price terms | €0/month (October 2026), with monthly pricing only. Outgoing and incoming SEPA transfers €0.25 each. Traditional plastic card €3/month. Transaction and accounting connections €6/month. Pause fee €4.50/month if no SEPA or card payments are made in 30 days (not in the first three months). According to Holvi, VAT is added to the prices. |
| Extra card cost / month (on top of the headline price) | €3.00 |
| Extra user / month | not available |
| Cash deposit | Not mentioned in the price list |
| Currency conversion markup on card payments | 2.50% |
| More about fees | The values apply to the Flex package unless otherwise stated; VAT is added to all prices. In Flex the virtual card is included, a traditional card is €3/month. E-invoices are included in the Pro and Business packages up to 500 + 500 per month, above that €0.50 each; Flex and Lite have no e-invoices. The currency conversion markup on card payments in the price table is 2.5% (Flex), 2% (Lite and Pro) and 1% (Business); cash withdrawals 2.5% or 2%. SWIFT payments €1 each, currency exchange 1%. |
| Transfers included in the plan | 0 / month |
|---|---|
| Transfer price after the allowance | €0.25 |
| E-invoice sent | no e-invoices |
| Monthly fee of the e-invoice service | no e-invoices |
| E-invoice received | no e-invoices |
| E-invoices (sending and receiving) | No |
| Type | Payment institution |
|---|---|
| Company forms | Sole trader, Limited company, Association |
| Deposit guarantee | No deposit guarantee: Holvi Payment Services Oy is a payment institution authorised by the Financial Supervisory Authority and does not take deposits. Customer funds are held separately (Nordea, Aktia, OP Uusimaa, Eurosystem central banks and short-term government debt instruments). |
| Opening online | Yes |
| Time to open | a few minutes; use begins once identity and the company have been verified |
| A credit check can block opening | not available |
| Accounting integrations | Transaction and accounting export to, among others, Netvisor, Procountor, NoCFO, Askelma and Acanta; API connection to Briox, NoCFO and LemonTree |
| Own card terminal | not available |
| Invoicing tool | Yes |
| Finnish IBAN | Yes |
| Customer service in Finnish | Yes |
| More about features | Online shop 2.5% handling fee per sale. Payroll payment with the Palkkaus.fi tool €15/payslip (first 10) and then €10/payslip, VAT 0%. Customer support by phone and message. |
| Business credit card | Yes |
| Business card annual fee | €0.00 |
| More about the business card | Holvi Business Credit €0/month, credit limit up to €50,000; payment at the end of the month 0% or a 12-month payment plan 18% effective annual interest rate (APR). Granted on the basis of credit information. |
| Information checked | 15 October 2026 |
Holvi: price notes: virtual card only; physical card €3.00/month, + VAT.
Prices are not fully comparable with regard to VAT: the labels "incl. VAT", "+ VAT" and "VAT-exempt" are shown only when the provider or its price list states it.
| Plan | Price / month | Includes | More information |
|---|---|---|---|
| Holvi Lite | €12.00 | 2 IBAN accounts, 1 traditional + 1 virtual debit card, 100 SEPA payments/month, unlimited users | €12/month + VAT with monthly billing or €9/month + VAT with a one-year fixed term. SEPA payments above the limit €0.25 each. |
| Holvi Pro | €18.00 | 5 IBAN accounts, 3 traditional + 1 virtual debit card, 500 SEPA payments/month, e-invoices (500 sent and 500 received/month), extensive reports | €18/month + VAT with monthly billing or €15/month + VAT with a one-year fixed term. E-invoices above the limit €0.50 each. |
| Holvi Business | €50.00 | 10 IBAN accounts, 5 traditional + 20 virtual debit cards, 5 SWIFT payments/month, SEPA payments above the limit €0.10, currency exchange 0.5% | €50/month + VAT with monthly billing or €40/month + VAT with a one-year fixed term. Holvi markets the package to SMEs. |
Reviews: ratings of Holvi
Public ratings from three sources, retrieved . The figures are third-party ratings that Pankkitutka has neither checked nor edited. Review texts are not quoted. Read more: bank ratings and reviews compared.
| Source | Rating | Count | Link |
|---|---|---|---|
| Trustpilot | 4.4 / 5 | 2,471 reviews | holvi.com on Trustpilot |
| App Store: Holvi - Business banking | 4.4 / 5 | 1,529 ratings | App in the App Store |
| Google Play: Holvi - Business banking | 4.7 / 5 | 3,824 ratings, all countries | App on Google Play |
- The Trustpilot rating is the company's global profile, not specific to Finland.
- The Google Play figures cover all countries, not only Finland. The App Store figures are from the Finnish store.
Based on the data
The pros and cons below are based on Pankkitutka's price data, not on the ratings.
Pros
- Pro: Holvi Flex €0/month and opening online in minutes (October 2026)
- Pro: Invoicing, receipt scanning and accounting connections in the same app
- Pro: Finnish IBAN and Finnish-language service
Cons
- Con: No deposit guarantee, because Holvi is a payment institution
- Con: VAT is added to all prices and in Flex every SEPA transfer costs €0.25
- Con: Pause fee €4.50/month if the account is not used for 30 days
How do you open a Holvi business account?
Opening online. Holvi asks for a trade register extract; a sole trader not entered in the trade register can submit a screenshot of a YTJ extract. Credit card offers are based on credit information.
Compare Holvi with others
Guides for business owners
- Card terminal for a business
- Business card
- Sole trader: choosing a bank account
- Limited company: choosing a bank account
- Association: choosing a bank account
Sources
- Holvi: Hinnastoretrieved 15 October 2026
- Holvi: Yritystiliretrieved 15 October 2026
- Holvi: Miten rahani on suojattu Holvissa?retrieved 15 October 2026
- Holvi: Palvelutiedotretrieved 15 October 2026
Information checked on 15 October 2026. Check the VAT basis and the current terms with the provider.
Frequently asked questions
How much does a Holvi business account cost per month?
The cheapest Holvi plan (Holvi Flex) costs €0.00 per month (virtual card only; physical card €3.00/month, + VAT). €0/month (October 2026), with monthly pricing only. Outgoing and incoming SEPA transfers €0.25 each. Traditional plastic card €3/month. Transaction and accounting connections €6/month. Pause fee €4.50/month if no SEPA or card payments are made in 30 days (not in the first three months). According to Holvi, VAT is added to the prices.
Can you open a Holvi business account online?
Yes. Opening online. Holvi asks for a trade register extract; a sole trader not entered in the trade register can submit a screenshot of a YTJ extract. Credit card offers are based on credit information.
Does Holvi support e-invoices?
Yes. Online shop 2.5% handling fee per sale. Payroll payment with the Palkkaus.fi tool €15/payslip (first 10) and then €10/payslip, VAT 0%. Customer support by phone and message.