Holvi supports transfers to and from over 55 countries in 18 different currencies.

Whether you’re managing business finances across Europe or sending payments globally, your Holvi account gives you the flexibility to use both SEPA and SWIFT payments. And with our new multi-currency accounts, you can hold and transfer foreign currencies without paying standard conversion fees.

Below is a quick guide to where and how you can move your money with Holvi.
 

Contents

• Payment types at a glance
• What’s the difference between SEPA and SWIFT?
• SEPA payments – Euro transfers within Europe
  • Supported countries for SEPA payments
• SWIFT payments – International transfers outside SEPA
  • NEW: Multi-currency payment accounts
    • Supported countries for SWIFT payments
    • Supported currencies for SWIFT payments
  • International transfer fees (SWIFT)
     

Payment types at a glance

What’s the difference between SEPA and SWIFT?

While both networks enable cross-border transfers, they serve different purposes based on location and currency:

• SEPA (Single Euro Payments Area): Designed to make Euro (€) payments within Europe as simple, fast, and secure as domestic transfers.

• SWIFT (Society for Worldwide Interbank Financial Telecommunication): A global network used when money needs to travel outside of Europe, or when you’re transacting in a currency other than the Euro.
   

💶 SEPA payments: Euro transfers within Europe

About SEPA

SEPA payments are fast, secure, and low-cost euro transfers across 40 European countries. They typically arrive the next working day — or within 10 seconds via SEPA Instant.

If you live in Europe, you're already using them: your everyday domestic bank transfers are actually SEPA payments! This means sending euros internationally within the SEPA zone works exactly the same as sending money locally. 
 

SEPA payments are euro-only

To send non-euro payments to SEPA countries (e.g. krones to Sweden), you’ll need to use SWIFT.
 

Supported countries for SEPA payments:

SEPA summary:

• Currency: Always in euros, even if the recipient’s country uses a different currency (e.g. Sweden or Poland). Non-euro transfers to/from SEPA countries must be made as SWIFT transfers.
• Account location: Both sender and recipient must have accounts in SEPA countries.
• Account format: IBAN numbers are required.

👉 Learn more about SEPA payments

🌍 SWIFT payments & Multi-currency accounts

About SWIFT

Holvi supports international SWIFT payments, allowing transfers in 18 currencies to over 55 countries, including SEPA nations.

SWIFT ensures secure global transfers, ideal for business outside Europe or in non-euro currencies. Transfers usually arrive the same day, but can take up to 5 business days depending on destination and intermediaries.
 

NEW: Multi-currency payment accounts

Holvi now offers payment accounts in 18 different currencies, each with its own IBAN, allowing you to receive, hold, and send money in that currency to any of our 55+ supported SWIFT countries.

Payments made in the account’s currency do not incur exchange fees, making SWIFT payments simpler and more cost-effective. 
 

Supported countries for SWIFT payments:

Note: The above list shows all countries supported for international transfers via Holvi. If your destination is not listed, the payment cannot be processed through Holvi and will be returned to the sender.

Supported currencies for SWIFT payments & currency accounts:

Note: Payments sent outside of these supported currencies or countries will be returned to the sender.
 

SWIFT summary:

• Currency: 18 supported currencies (including EUR).
• Locations: Sender or recipient in 55+ supported countries (including SEPA).
• Requirements: SWIFT/BIC code and IBAN or local account number, depending on country.
• Fees: Please see below.

👉 Learn more about SWIFT payments
👉 Learn more about multi-currency payment accounts

International transfer fees (SWIFT)

Whether you’re expanding into new markets or managing international vendors, our pricing is designed to keep your costs low and your transfers simple.

Standard SWIFT transfer fees:

Multi-currency account fees:

• When you send or receive money that matches the multi-currency account (e.g., USD to a USD account), the 0.5%–1% currency exchange fee does not apply. You’ll only pay the fixed transfer fee.
• Multi-currency accounts are treated as "additional accounts." Each pricing plan includes a set number of free additional IBANs. If you exceed your plan's limit, a monthly fee of €1–€2 per account will apply.
   

Note on SWIFT fees:

• These rates apply to our customers in Germany, Finland, Austria and all other supported regions.
• This pricing applies specifically to bank transfers. Purchases made with your Holvi card follow our standard card payment terms.
• We’ve set these rates to ensure that doing business across borders is as predictable and affordable as possible.

Need help?