Holvi Fee Schedule for Germany until 27/02/2026

Version: 1.10
Last update: 04. February, 2026

This Fee Schedule details all fees that apply when using Holvi Services, billed monthly.

For your reference, we’ve created a glossary with key terms.

Visit our website for more information on fees and services
View our Pricing Terms for full pricing T&Cs

Holvi plans

Business banking & cards

Bookkeeping & reports

Customer care

Administrative Fees

Glossary

Holvi plans

Holvi plans	Monthly subscription plans	Annual subscription plans
Holvi Lite	€9 per month (VAT excluded)	€4,50 per month (VAT excluded)
Holvi Pro	€15 per month (VAT excluded)	€9 per month (VAT excluded)
Holvi Flex	€0 per month	Not available

Business banking & cards

Payment Account	Holvi Lite	Holvi Pro	Holvi Flex
Payment Accounts with DE IBANs	2 included	5 included	1 included
Additional Payment Accounts with DE IBANs	€1 per month	€1 per month	€2 per month
BIC/SWIFT codes	Included
Transfers & Direct Debits	Holvi Lite	Holvi Pro	Holvi Flex
SEPA Credit Transfer (SCT) & Direct Debit (SDD)	100 transactions per month included €0.25 per additional transaction	Unlimited	Not included €0.25 per transaction
SWIFT Transfers in and out	€5 per inbound and outbound transfer*2
Foreign exchange fee for Payment Account transfers	2% of the transaction amount	1% of the transaction amount	2.5% of the transaction amount
Holvi Business Debit Card	Holvi Lite	Holvi Pro	Holvi Flex
Holvi Business Debit Mastercard (physical)	1 included	3 included	Not included
Additional cards (physical)	€3 per month per card	€3 per month per card	€3 per month per card
Holvi Business Debit Mastercard (virtual)	1 included	1 included	1 included
Additional cards (virtual)	€3 per month per card	€2 per month per card	€3 per month per card
Custom card spending limits	Included
Replacement card (physical)	€5 per card (one-time fee)	€5 per card (one-time fee)	€5 per card (one-time fee)
ATM usage (Cash withdrawals)	2.5% of withdrawal amount	2% of withdrawal amount	2.5% of withdrawal amount
Foreign exchange fee for card transactions	2% of the transaction amount	1% of the transaction amount	2.5% of the transaction amount
Chargeback fee (only where chargeback is declined by Mastercard®)	€10 per chargeback	€10 per chargeback	€10 per chargeback
Card labels	Included	Included	Included
Instant card locking or unlocking	Included	Included	Included
Apple Pay and Google Pay	Included	Included	Included
Account management	Holvi Lite	Holvi Pro	Holvi Flex
Multiple users	Included	Included	Not included
Instant top-up	2.5% per payment	2% per payment	2.5% per payment

*2 "The payee’s payment service provider may also reject, return or delay the Payment Transaction due to missing, incomplete, incorrect or closed Payment Information. In this case, both the payee’s payment service provider may deduct an additional fee directly from the Payment Amount and Holvi may apply an additional fee to the monthly subscription fee."

Business credit	Holvi Lite	Holvi Pro	Holvi Flex
Business credit line & card	Not included	By application, plans start from €0 per month	Not included
Holvi Business Credit Card	Holvi Lite	Holvi Pro	Holvi Flex
Monthly credit line fee for credit applications received before 29.01.2026	Not included	Full repayment by month-end: €0 1 instalment: €0 3 instalments: €3 6 instalments: €6 12 instalments: €12	Not included
Monthly credit line fee for credit applications received after 29.01.2026	No monthly credit line fee applies	No monthly credit line fee applies	No monthly credit line fee applies
Interest rate for credit applications received before 29.01.2026	Not included	16% p.a. (does not apply to full repayment by month-end)	Not included
Interest rate for credit applications received after 29.01.2026	18% p.a. (does not apply to full repayment by month-end)	18% p.a. (does not apply to full repayment by month-end)	18% p.a. (does not apply to full repayment by month-end)
Holvi Business Credit Card	1 virtual card included 1 physical card included	1 virtual card included 1 physical card included	1 virtual card included 1 physical card included
Additional cards	€2 per month per virtual card €3 per month per physical card	€2 per month per virtual card €3 per month per physical card	€2 per month per virtual card €3 per month per physical card
Replacement card (physical)	€10 per card (one-time fee)	€10 per card (one-time fee)	€10 per card (one-time fee)
Card payments (in EUR)	Included	Included	Included
Foreign exchange fee	1% of the transaction amount	1% of the transaction amount	1% of the transaction amount
Instant card locking or unlocking	Included	Included	Included
Apple Pay and Google Pay	Included	Included	Included
Overdrawing the credit line	€10	€10	€10
Agreement on a repayment holiday or deferral period, making a repayment agreement	€10	€10	€10
Changing the repayment schedule	€10	€10	€10
Changing the credit limit	€10	€10	€10
Reimbursement of an overpayment	€45	€45	€45
Closing a credit line by Holvi	€10	€10	€10
Delivery of the payment plan for a closed credit line	€25	€25	€25
Other admin tasks	€25 per hour (min. 1 hour)	€25 per hour (min. 1 hour)	€25 per hour (min. 1 hour)

A note on card billing of all types.

Fees for receiving and using a Holvi Business Mastercard® are billed on a monthly basis (per billing cycle) and are not affected by a mid-billing cycle change in subscription. Any change will come into effect in the next billing cycle.

A note on maximum card amounts

Please note that Holvi may set a limit to the number of cards issued to a single user for security reasons.

Cash withdrawals at ATMs

Please note that some ATM providers charge add-on fees for the use of their ATMs, and some merchants add a surcharge for accepting certain card types. By using the Holvi Business Mastercard®, you accept responsibility for any additional fees and surcharges. It’s your obligation to review and agree to these before completing a Holvi card transaction.

Using Holvi cards abroad

Your Holvi Business Mastercard® supports payments in multiple currencies. When the payment is a non-EUR currency, Holvi charges a percentage of the transaction amount on top of the Mastercard® wholesale rate, based on the calculation made by Mastercard® as the issuing Card Network. Foreign exchange fees may be charged at the moment of purchase. For reference, please see the Euro foreign exchange rates, issued by the European Central Bank.

Money Market Fund

Money Market Fund	Holvi Lite	Holvi Pro	Holvi Flex
Money Market Fund	By application	By application	By application
Investment Service fee	0,5% p.a. on invested amount	0,5% p.a. on invested amount	0,5% p.a. on invested amount

A note on Money Market Fund.

Money Market Fund is offered together with our Partner lemon.markets brokerage GmbH. For further details, please refer to the relevant article in our Help Centre.

Connections

Connections	Holvi Lite	Holvi Pro	Holvi Flex
Lexware Office Connection	Included	Included	Not included
DATEV Connection	€3 per month	€3 per month	€3 per month

Invoicing & sales

Invoicing & sales	Holvi Lite	Holvi Pro	Holvi Flex
Create, send and track invoices	Not included	Included	Not included
E-invoice sending via a network	Not included	500 transactions per month included €0.50 per additional e-invoice	Not included
E-invoice receiving via a network	Not included	500 transactions per month included €0.50 per additional e-invoice	Not included
E-invoice sending via PDF or Email	Not included	Included	Not included
E-invoice receiving via PDF or Email	Included	Included	Not included
Payment reconciliation (automatically match incoming payments with your invoices)	Not included	Included	Not included
Contact list for managing invoicing details	Not included	Included	Not included
Inventory management	Not included	Included	Not included

Business insights

Business insights	Holvi Lite	Holvi Pro	Holvi Flex
Cashflow forecast	Included	Included	Not included
Income, expenses, profit and VAT summaries	Included	Included	Not included
VAT balance calculator	Not included	Included	Not included
Daily and weekly business reports	Included	Included	Not included
Email, push and SMS notifications	Included	Included	Included

Expense management

Expense management	Holvi Lite	Holvi Pro	Holvi Flex
Receipt scanning and storing	Included	Included	Not included
Bookkeeping preparation Categories, VAT rates and notes	Included	Included	Not included
Expense claims	Included	Included	Not included

Bookkeeping & reports

Bookkeeping & reports	Holvi Lite	Holvi Pro	Holvi Flex
Smart transaction filters for easy bookkeeping prep	Included	Included	Not included
Add non-Holvi transactions	Not included	Included	Not included
Bookkeeping reports	Included	Included	Not included
Advanced reports and exports	Not included	Included	Not included

Customer care

Customer care	Holvi Lite	Holvi Pro	Holvi Flex
Messaging support and email	Included
Phone support	Included
24/7 virtual assistant	Included
Help Centre	Included

Administrative Fees

Some actions require us to carry out manual work – for example, cancelling payments, notifying you of an executed or refused payment transaction, tracking non-executed or incorrectly executed payment transactions or returning funds paid due to incorrect unique identifiers.

These actions cost us extra. As such, they’re subject to additional fees.

Admin fees	Holvi Lite	Holvi Pro	Holvi Flex
Payment reminder (first payment reminder will not incur any cost)	€5 per reminder
Recall (wrong payment instruction)	€15 per recall
Individual processing	€15 per request
Valid refusal of direct debit due to insufficient funds	€5 per payment
Inactivity Fee	Not included	Not included	€4.50
Other administrative tasks	€25 per hour (min. 1 hour)

When your Holvi account isn’t active

We charge an inactivity fee if your account is unused for prolonged time-periods - meaning you don’t make any SEPA payments or card transactions within a period of 30 calendar days. However, this inactivity fee is automatically waived for the first twelve months after your account is opened.

Glossary

Card Networks: Refers to Mastercard International Inc. and/or Visa Europe Services Inc. or any other applicable card brands.

Chargeback: A demand by the cardholder (you) for a retailer to cover the loss on fraudulent or disputed transactions.

Customer: A natural person or legal person with a bonafide business purpose in whose name the Holvi Account is opened.

Customer Support: The service Holvi offers to help its Customers resolve customer support requests or answer questions concerning Holvi and its services. More information on Holvi customer support is available in our Help Centre.

FIN-FSA: The Financial Supervisory Authority of Finland. More information on the FIN-FSA can be found on the FIN-FSA website.

Holvi: Short for Holvi Payment Services Ltd, including any branch being established, also referred to in our Terms and Service as ‘we’, ‘us’ and ‘our’.

Holvi Services: Are services Holvi provides to its Customers within the scope described in Section 1 of our Terms of Service. Also referred to in our Terms as ‘Holvi Service’ (singular) particularly when they relate to Holvi’s primary service of operating the Customer’s Payment Account and the execution of Payment Transactions related to these Payment Accounts.

SEPA: Refers to Single Euro Payments Area.

User: The natural person using the Holvi Service and authorised by the Customer to use the Customer's payment account on behalf of the Customer.

Holvi_Germany-Fee-Schedule_2026-02-04.pdf
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