Holvi is an online business account from Finland built for self employed people and small companies in the European Economic Area. It bundles a euro account, cards, invoicing and expense tools. It is regulated by the Financial Supervisory Authority of Finland as an authorised payment institution.
- Who it suits
- Freelancers, sole traders and small companies in Finland, Germany and Austria who want banking, invoicing and bookkeeping preparation in one place
- Broadly available in
- Finland, Germany and Austria within the European Economic Area. Holvi does not currently offer its account in the United Kingdom, as of 11 October 2026
- Headline monthly fee
- Free Flex plan with per transaction fees. Paid plans start with Holvi Lite at 9 euros per month plus VAT in Germany and Austria and 12 euros per month plus VAT in Finland, with lower prices on a one year term, as of 11 October 2026
- Account type
- Business payment account with a euro IBAN, not a deposit bank account
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
Holvi has focused on the self employed and small companies since it launched in Finland. The account combines a euro IBAN, a Mastercard debit card, virtual cards, invoicing and tools that help you prepare for VAT and bookkeeping. International transfers in 18 currencies are offered directly inside Holvi. Holvi is regulated by the Financial Supervisory Authority of Finland as an authorised payment institution, and customer funds are held as segregated funds rather than as bank deposits.
Strengths
One place for the account, invoicing and expense tracking, which can suit very small teams. A real time VAT view helps with tax preparation. Onboarding is fully online, with identity checks by video call or online ID.
Limitations
Holvi is a payment institution, so balances are safeguarded rather than covered by deposit guarantee in the way a bank deposit is. It serves a limited set of markets, currently Finland, Germany and Austria. Holvi's plan pages do not list an overdraft. In Germany, paid plans can apply for a business credit card. Verify current terms with Holvi before applying.
Fees and features
| Monthly fee | Holvi Flex has no monthly fee. In Germany and Austria, Lite is 9 euros, Pro 15 euros and Business 69 euros per month plus VAT, or 4.50, 9 and 59 euros on a one year term. In Finland, Lite is 12 euros, Pro 18 euros and Business 50 euros per month plus VAT, with lower one year prices. As of 11 October 2026, verify on the Holvi plan page for your country. |
|---|---|
| Transaction fees | SEPA and other transaction pricing depends on your plan and market. See the Holvi fee schedule for your country. As of 11 October 2026. |
| FX fees | International transfers are offered in 18 currencies directly in Holvi. Exact conversion pricing varies, so confirm with Holvi. As of 11 October 2026. |
| Minimum deposit | No minimum deposit stated for the standard account. As of 11 October 2026. |
| Multi currency | Yes. Payment accounts in multiple currencies and international transfers in 18 currencies, as of 11 October 2026 |
| Integrations | Invoicing, expense management, bookkeeping preparation and accounting interfaces such as DATEV and Lexware Office in Germany. Check Holvi for current partner integrations. As of 11 October 2026 |
| Eligibility | Self employed people and companies in the markets Holvi serves. Some company forms, such as founders accounts for GmbH and UG, are supported in Germany. Verify eligibility with Holvi. As of 11 October 2026 |
Open a Holvi business account
Availability and fees vary by country. Check the Holvi by country pages below for your market, then confirm current terms with the provider. Shown as of 11 October 2026.
Visit Holvi →Holvi by country
Questions about Holvi
Is Holvi a bank?
Which countries does Holvi serve?
How much does Holvi cost?
How long does it take to open a Holvi account?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 October 2026. Confirm current terms with Holvi before applying.