We’ve refreshed our account plans to better match how customers use Holvi today. From 3 November 2025, Holvi’s updated plans make business banking simpler and clearer for every company type – from sole traders to associations and limited companies.
Here’s an overview of what’s new in each plan and what it means for you.
Holvi Flex – for sole traders and freelancers
Our €0 monthly plan for small businesses and side hustles. You only pay for what you use – nothing more, nothing less.
- €0 monthly fee
- SEPA transfers €0.25 each
- One virtual card included (physical cards €3/month)
- Add extra IBANs for €2/month
- Optional accounting connection (€6/month add-on)
- No hidden costs – just pay-as-you-go banking
Holvi Flex keeps things simple: modern app, Finnish IBAN, and full control over your costs.
See all the details in our fee schedule →
Holvi Associations – for registered associations (ry)
We’re introducing new plans built for associations, with more features and flexibility than before.
Associations Flex
A low-cost plan for smaller associations.
- 0XY monthly fee
- Up to 3 users included
- Optional accounting connection (€6/month add-on)
Associations Pro
For larger or more active organisations that need more users, transactions, and cards – previously known as our standard Associations plan.
What’s new and improved:
- €15 per month → from previous €19 per month
- Payment accounts: 2 → 5 included
- Physical debit cards: 1 → 3 included
- Virtual debit cards: 10 included (same as before)
- SEPA transfers: 10 → 500 included
- ATM withdrawals and instant top-ups: fee reduced from 2.5 % → 2 %
- Optional: Bank connections available as add-on (€6/month)
See all the details in our fee schedule →
Holvi Business – for limited companies (Oys)
A complete business account for companies with teams or external accountants.
Holvi Business brings everything together in one plan:
- €50 per month
- 500 SEPA transfers and 5 SWIFT payments included
- 5 physical + 20 virtual cards for you and your team
- 1% fee on foreign payments
- Integrated accounting and bank connections
- Payment accounts with interest included – your balance earns daily interest, paid out monthly, with up to 5 interest accounts
See all the details in our fee schedule →
Other Holvi plans
These updates apply to the Holvi Business, Flex, and Associations plans.
Holvi Lite, Pro, Zen, and Zen+ remain available and unchanged.
What happens next
These updates are all improvements – no features are being removed or reduced. Some customers will receive an email with details about their plan. Others will see an in-app banner or message when logging in. Either way, you’ll hear from us directly when a change applies to you.