Is Holvi available for business in Finland?

Does Holvi serve business customers in Finland?

Yes. Holvi is a business banking service built in and for Finland, operated as an electronic money institution rather than a deposit taking bank. It offers a euro account with a Finnish IBAN, payment cards, invoicing and bookkeeping tools, and it markets directly to solopreneurs, light entrepreneurs and small companies registered in Finland, including entrepreneurs who have recently moved to the country. A company or self employed person registered in Finland can apply, subject to Holvi identity and compliance onboarding. As of 13 March 2026.

Eligibility for businesses in Finland

Holvi accepts a natural or legal person with a genuine business purpose, which covers light entrepreneurs, sole traders and registered companies in Finland. To apply you provide your business details and complete identity verification for the account holder. Because Holvi is an electronic money institution, customer funds are safeguarded rather than covered by a deposit guarantee scheme, which differs from an insured bank deposit, so confirm how your money is protected. As of 13 March 2026. Verify with the provider

What it costs locally

Holvi publishes plans starting from 0 euro per month, with paid Lite, Pro and Business tiers that add cards, accounts and higher transaction allowances. Published examples include additional SEPA transfers from around 0.10 euro each on some plans, additional accounts around 2 euro per month and additional cards around 3 euro per month, with a small number of SWIFT transfers included and extra ones charged. Holvi has also published a balance interest offer that changes over time. Treat these figures as a guide and confirm the current fee schedule with the provider. As of 13 March 2026

What local users report

Finnish solopreneurs and small companies commonly use Holvi for its euro account with a Finnish IBAN combined with invoicing and bookkeeping features in one place, which suits light entrepreneurs and freelancers. Reviews note the convenience of integrated tools and a Finnish IBAN, while some users would prefer broader cash handling and multi currency options, since Holvi is focused on the euro. As an electronic money institution Holvi safeguards customer funds rather than holding insured bank deposits, so a business that wants a deposit guarantee or branch services may pair it with a traditional Finnish bank. Confirm the current position before relying on it.