Switching from another Holvi plan
Do I need to close my current Holvi account to switch to Holvi Flex?
Nope! If you're already with Holvi, you can switch to Holvi Flex without closing your account. Just head to profile (top right corner) > Plan & billing.
How soon can I switch?
- Monthly plans: Straight away
- Annual plans: At the end of your subscription year
Are there any one-time fees for switching?
No extra fees to switch to Holvi Flex.
Can I switch if I have other users on my account?
Not yet. Holvi Flex supports one user only, so you’ll need to remove any Admins or Editors before you switch. To do so, go to Settings > Users in your account.
What changes when you switch
Will my transaction history and account details change?
Nope - your IBAN, account details and full transaction history all stay the same.
Will my cards and multiple IBANs still work?
Yes! Your existing cards keep working, but note that Holvi Flex only includes 1 free virtual card. Each additional physical or virtual card costs 3€/month.
You also keep your multiple IBANs, but each additional IBAN has a charge of 2€/month. See our fee schedules.
What happens to my scheduled payments and standing orders?
They continue as usual - just keep in mind that each transfer costs €0.25 on Holvi Flex.
What happens to my invoices?
Invoices you created before switching stay visible, but you can’t create new invoices on Holvi Flex.
Will expense claim links still work?
Expense claim links are turned off when you switch. Expense claims submitted before switching stay visible, but no new ones can be submitted.
Will my integrations still work?
Germany:
- DATEV: Available as an add-on (3€/month).
- Lexware Office: Not available for Holvi Flex.
Finland:
- Bank connections: Available as an add-on (6€/month).
What’s included in Holvi Flex
Who can use Holvi Flex?
Yes! Holvi Flex is open to all business types, including founder accounts.
What’s included and what costs extra?
| Feature | On Holvi Flex |
|---|---|
| Additional IBANs | Extra charge |
| Additional cards | Extra charge |
| Add-ons (e.g. DATEV) | Extra charge |
| Invoice creation | Not available |
| Multiple users | Not available |
Can I invest in the Money Market Fund with Holvi Flex (Germany only)?
Yes! Investment access is included. Check our fee schedule for details.
Inactivity fee
What is the inactivity fee?
If your Flex account has no payment activity for 30 days in a row, we charge an inactivity fee of €4.50 per month. We’ll send you a reminder a week before the 30-day window is up to help you avoid it.
Example: You receive a payment on 3 June. If there are no other payments or card transactions by 3 July, the inactivity fee applies and will be added to your next service fee invoice.
What counts as activity
- Sending or receiving a SEPA or SWIFT payment
- Making a card payment
What doesn’t count: your monthly Holvi service fee being charged.
New users
We don’t charge the inactivity fee for your first 3 months in Finland, or your first 12 months in Germany and Austria. This period starts on the day your account is opened.
Changing your plan later
Can I switch to another Holvi plan later?
Absolutely! Upgrade to any paid plan whenever you need to.
Can I change the company creator (account owner) on Holvi Flex?
Not by yourself. Please contact us in writing with the name, email address and phone number of the new owner to get the process going. Please prepare to provide a registry extract (no older than 6 months) and power of attorney.
Can I add more users if I upgrade?
Yes! All paid plans let you invite additional users.
If I upgrade from Holvi Flex to another price plan, will I see my payments history in my reports?
Yes, you can always see your full payment history.