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Holvi Fee Schedule for Finland until 22/12/2025

Holvi Fee Schedule for Finland until 22/12/2025

Version: 1.9
Last update: 24. November, 2025

This Fee Schedule details all fees that apply when using Holvi Services, billed monthly. All prices are listed without VAT.

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 

Connections 

Invoicing & sales 

Business insights 

Expense management 

Bookkeeping & reports 

Accounting services 

Customer care 

Administrative Fees 

Glossary 

 

 

Holvi plans

Holvi plans
Holvi Lite €9 per month
Holvi Pro €15 per month
Holvi Zen €79 per month
Holvi Zen+ €99 per month
Holvi Flex1 €0

*1 This subscription is currently available exclusively to new customers who sign up through our partner channels.

Business banking & cards

Payment  Account Holvi Lite Holvi Pro Holvi Zen Holvi Zen+ Holvi Flex
Payment Accounts with FI IBANs

2 included


 

 5 included 2 included 5 included 1 included
Additional Payment Accounts with FI IBANs €1 per month  €1 per month  €1 per month  €1 per month  €2 per month 
BIC/SWIFT codes Included
Transfers & Direct Debits Holvi Lite Holvi Pro Holvi Zen Holvi Zen+ Holvi Flex

SEPA Credit Transfer (SCT) & Direct Debit (SDD)


 

100 transactions per month included

€0.25 per additional transaction

500 transactions per month included

€0.25 per additional transaction

500 transactions per month included

€0.25 per additional transaction

30 transactions per month included

€0.25 per additional transaction

 Not included



€0.25 per transaction
SWIFT Transfers in and out €6 per inbound and outbound transfer*2
Foreign exchange fee for SWIFT transfers 2% of the transaction amount 2% of the transaction amount 2% of the transaction amount 2% of the transaction amount 2.5% of the transaction amount

Holvi Business Debit Card

 Holvi Lite Holvi Pro Holvi Zen Holvi Zen+ Holvi Flex
Holvi Business Debit Mastercard (physical) 1 included 3 included 3 included 3 included Not included
Additional cards (physical) €3 per month per card  €3 per month per card  €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 1 included 1 included
Additional cards (virtual) €3 per month per card €2 per month per card €2 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) €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% of withdrawal amount 2% of withdrawal amount 2.5% of withdrawal amount
Foreign exchange fee 2% of the transaction amount 2% of the transaction amount 2% of the transaction amount 2% 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 €10 per chargeback €10 per chargeback
Card labels Included Included Included Included Included
Instant card lock and unlock Included Included Included Included Included
Apple Pay and Google Pay Included Included Included Included Included
Account management Holvi Lite Holvi Pro Holvi Zen Holvi Zen+ Holvi Flex
Multiple users Included Included Included Included Not included
Instant top-up 2.5% per payment 2% per payment 2% 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 Zen Holvi Zen+ Holvi Flex
Business credit line & card Not included By application, plans start from €0 per month Not included By application, plans start from €0 per month Not included

Holvi Business Credit Card

 Holvi Lite Holvi Pro Holvi Zen Holvi Zen+ Holvi Flex
Monthly credit line fee Not included

0 instalment: €0 

1 instalment: €0 

3 instalments: €3

6 instalments: €6

12 instalments: €12

 Not included

0 instalment: €0

1 instalment: €0 

3 instalments: €3

6 instalments: €6

12 instalments: €12

 Not included
Interest rate Not included 16% (does not apply to the 0 instalment monthly credit line) Not included 16% (does not apply to the 0 instalment monthly credit line) Not included
Holvi Business Credit Card Not included 1 virtual card included
1 physical card included		 Not included

1 virtual card included

1 physical card included

 Not included
Additional cards Not included €2 per month per virtual card 
€3 per month per physical card		 Not included €2 per month per virtual card 
€3 per month per physical card		 Not included
Replacement card (physical)  Not included €10 per card (one-time fee) Not included €10 per card (one-time fee) Not included
Card payments (in EUR) Not included Included Not included Included Not included
ATM usage (Cash withdrawals with physical card, if enabled) Not included 2% of withdrawal amount Not included 2% of withdrawal amount Not included
Foreign exchange fee Not included 2% of the transaction amount Not included 2% of the transaction amount Not included
Instant card lock and unlock Not included Included Not included Included Not included
Apple Pay and Google Pay Not included Included Not included Included Not included
Overdrawing the credit line Not included €10 Not included €10 Not included
Agreement on a repayment holiday or deferral period, making a repayment agreement Not included €10 Not included €10 Not included
Changing the repayment schedule Not included €10 Not included €10 Not included
Changing the credit limit Not included €10 Not included €10 Not included
Reimbursement of an overpayment Not included €45 Not included €45 Not included
Closing a credit line by Holvi Not included €10 Not included €10 Not included
Delivery of the payment plan for a closed credit line Not included €25 Not included €25 Not included
Other admin tasks  Not included €25 per hour (min. 1 hour) Not included €25 per hour (min. 1 hour) Not included

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 any reason.

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 in a non-EUR denominated 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 time of purchase. For reference, please see the Euro foreign exchange rates, issued by the European Central Bank.

Connections

Connections Holvi Lite Holvi Pro Holvi Zen Holvi Zen+ Holvi Flex
Bank Connection  €6 per month €6 per month Not included Not included €6 per month
Selected 
Connections 		Not included Included Not included Not included Included
Other Connections Included Included Included Included Included

Connections with our Partners

Please note that the fees listed in this Fee Schedule for the various connections offered in cooperation with a Partner are charged by Holvi and not by the Partner. From time to time, Holvi may, in collaboration with a Partner, waive such fees as part of a promotional offer. Any such waiver is subject to Holvi’s sole discretion.

Invoicing & sales

Invoicing & sales Holvi Lite Holvi Pro Holvi Zen Holvi Zen+ Holvi Flex
Create, send and track invoices Not included Included Included Included Not included
E-invoice sending Not included

500 transactions per month included 

€0.50 per additional e-invoice

500 transactions per month included 

€0.50 per additional e-invoice

500 transactions per month included 

€0.50 per additional e-invoice

 Not included
E-invoice receiving Not included

500 transactions per month included 

0.50€ per additional e-invoice

500 transactions per month included 

0.50€ per additional e-invoice

500 transactions per month included 

0.50€ per additional e-invoice

 Not included
Payment reconciliation (automatically match incoming payments with your invoices) Not included Included Included Included Not included
Contact list for managing invoicing details Not included Included Included Included Not included
Inventory management Not included Included Included Included Not included
Online store Holvi Lite Holvi Pro Holvi Zen Holvi Zen+ Holvi Flex
Online store Included Included Included Included Not included
Online sales collection
(inbound payments) 		2.5% transaction fee 2.5% transaction fee 2.5% transaction fee 2.5% transaction fee Not included
Online store tracking Included Included Included Included Not included

Business insights

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

Expense management

Expense management Holvi Lite Holvi Pro Holvi Zen Holvi Zen+ Holvi Flex
Receipt scanning and storing Included Included Included Included Not included

Bookkeeping preparation

Categories, VAT rates and notes

 Included Included Included Included Not included
Expense claims Included Included Not included Included Not included

Payroll services

 Holvi Lite Holvi Pro Holvi Zen Holvi Zen+ Holvi Flex
Salary integration for basic payroll Included Included Included Included Not included
Fee for salary integration (integration provided by Palkkaus.fi and charged by Holvi, please contact Palkkaus.fi for further information)  Up to 10 paid salaries per month: €15 per salary 

Over 10 paid salaries per month: €10 per salary paid		 Up to 10 paid salaries per month: €15 per salary

Over 10 paid salaries per month: €10 per salary paid 		 Up to 10 paid salaries per month: €15 per salary paid

Over 10 paid salaries per month: €10 per salary paid		 Up to 10 paid salaries per month: €15 per salary 

Over 10 paid salaries per month: €10 per salary paid		 Not included

Bookkeeping & reports

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

Accounting services

Accounting services Holvi Lite Holvi Pro Holvi Zen Holvi Zen+ Holvi Flex
Certified accountant Not included Not included Included Included Not included
Dedicated accounting team Not included Not included Not included Included Not included
Monthly VAT declaration Not included Not included Included Included Not included
Monthly VAT payment Not included Not included Included Not included Not included
Monthly prepayment guidance Not included Not included Included Included Not included
Annual tax return Not included Not included Included €99 per year  Not included
Annual financial statement Not included Not included Not included €99 per year Not included

Customer care

Customer care Holvi Lite Holvi Pro Holvi Zen Holvi Zen+ Holvi Flex
Messaging support and email Included
Phone support Included
24/7 virtual assistant  Included
Help Centre Included
Personal tax support Not included         Not included Included Included Not 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 Zen Holvi Zen+ 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 Not included Not included €4.50
Additional administrative work*3 Not applicable Not applicable €104 per hour €79 per hour Not applicable
Other administrative tasks


 

€25 per hour (min. 1 hour)

*3 This fee is charged by either our Partner or us, if tax related documents or other documents required for the provision of our accounting service are submitted with delay by the Customer.

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 three months after your account is opened.

Glossary

Accounting Partner: The accounting firm that provides accounting services for Zen and Zen+ customers.

Banking Day: Any day other than a Saturday, Sunday or listed holiday. More information can be found in our Help Centre.

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.

Holvi Website: Our website, www.holvi.com.

Salary Payment: Consists of the employee’s income, bonuses, expenses and other salary-related items.

SEPA: Refers to Single Euro Payments Area.

Service Description: The document in which the content of the Zen+ Service is described and available on Holvi Website.

Partner: Refers to an external company with which Holvi has entered into a formal cooperation agreement to enable and support different connection services, such as integrations with accounting software or financial infrastructure. These partners may provide access to data, automation features, or technical connectivity that enhances Holvi’s services. Fees related to such integrations may be charged by Holvi, as specified in this Fee Schedule, and/or directly by the Partner according to their own pricing terms. 

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.

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