Version: 1.7
Last update: 23. December, 2025
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
| Holvi plans | |
| Holvi Pro | €15 per month |
| Holvi Flex | €0 |
Business banking & cards
| Payment Account | Holvi Pro | Holvi Flex | |||
| Payment Accounts with FI IBANs | 5 included | 1 included | |||
| Additional Payment Accounts with FI IBAN | €1 per month | €2 per month | |||
| BIC/SWIFT | Included | ||||
| Transfers & Direct Debits | Holvi Pro | Holvi Flex | |||
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SEPA Credit Transfer (SCT) & Direct Debit (SDD)
|
500 transactions per month included €0.25 per additional transaction |
Not included €0.25 per additional transaction |
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| SWIFT Transfers in and out | €6 per inbound and outbound transfer*1 | ||||
| Foreign exchange fee for Payment Account transfers | 2% of the transaction amount | 2.5% of the transaction amount | |||
Holvi Business Debit Card |
Holvi Pro | Holvi Flex | |||
| Holvi Business Debit Mastercard® (physical) | 3 included | Not included | |||
| Additional cards (physical) | €3 per month per card | €3 per month per card | |||
| Holvi Business Debit Mastercard® (virtual) | 10 included | 1 included | |||
| Additional cards (virtual) | €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) | |||
| ATM usage (Cash withdrawals) | 2% of withdrawal amount | 2.5% of withdrawal amount | |||
| Foreign exchange fee for card transactions | 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 | |||
| Card labels | Included | Included | |||
| Instant card lock and unlock | Included | Included | |||
| Apple Pay® and Google Pay™ | Included | Included | |||
| Account management | Holvi Pro | Holvi Flex | |||
| Multiple users | Included | 3 users | |||
| Instant top-up | 2% per payment | 2.5% per payment | |||
*1 "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."
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-EU 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.
Connections
| Connections | Holvi Pro | Holvi Flex | |||
| Bank Connection | €6 per month | €6 per month | |||
| Selected Connections | Included | Included | |||
| Other Connections | 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 Pro | Holvi Flex | |||
| Create, send and track invoices | Included | Not included | |||
| E-invoice sending | 500 transactions per month included 0.50€ per additional e-invoice | Not included | |||
| E-invoice receiving | 500 transactions per month included 0.50€ per additional e-invoice | Not included | |||
| Payment reconciliation (automatically match incoming payments with your invoices) | Included | Not included | |||
| Contact list for managing invoicing details | Included | Not included | |||
| Inventory management | Included | Not included | |||
| Online store | Holvi Pro | Holvi Flex | |||
| Online sales collection (inbound payments) | 2.50% transaction fee | Not included | |||
| Online store tracking | Included | Not included | |||
Business insights
| Business insights | Holvi Pro | Holvi Flex | |||
| Cashflow forecast | Included | Not included | |||
| Income, expenses, profit and VAT summaries | Included | Not included | |||
| VAT balance calculator | Included | Not included | |||
| Daily and weekly business reports | Included | Not included | |||
| Email, push and SMS notifications | Included | Included | |||
Expense management
| Expense management | Holvi Pro | Holvi Flex | |||
| Receipt scanning and storing | Included | Not included | |||
| Bookkeeping preparation (categories, VAT rates and notes) | Included | Not included | |||
| Expense claims | Included | Not included | |||
| Payroll services | Holvi Pro | Holvi Flex | |||
| Salary integration for basic payroll | 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 paid Over 10 paid salaries per month: €10 per salary paid |
Not included | |||
Bookkeeping & reports
| Bookkeeping & reports | Holvi Pro | Holvi Flex | |||
| Smart transaction filters for easy bookkeeping prep | Included | Not included | |||
| Add non-Holvi transactions | Included | Not included | |||
| Bookkeeping reports | Included | Not included | |||
| Advanced reports and exports | Included | Not included | |||
| Export account information via Dropbox | Included | Not included | |||
Customer care
| Customer care | 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 Pro | Holvi Flex | |||
| Payment reminder (first payment reminder will not incur any cost) |
€5 per reminder |
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| Recall (wrong payment instruction) |
€15 per recall |
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| Individual processing |
€15 per recall |
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| Valid refusal of direct debit due to insufficient funds |
€5 per payment |
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| Inactivity Fee | Not included | ||||
| Other administrative tasks |
€25 per hour (min. 1 hour) |
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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. If you're a new customer, we might waive this fee as part of a promotion. But please note: if you switch to a different plan during the promotional period, the waiver will no longer apply.
Glossary
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.
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.