Version: 1.0
Last update: 08. April, 2026
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
| Holvi plans | |
| Holvi Select | €0 |
Business banking & cards
| Payment Account | Holvi Select | |||
| Payment Accounts with FI IBANs | 3 included | |||
| Additional Payment Accounts with FI IBANs | €3 per month | |||
| BIC/SWIFT codes | Included | |||
| Transfers & Direct Debits | Holvi Select | |||
| SEPA Credit Transfer (SCT) & Direct Debit (SDD) | €0.10 per transaction | |||
| SWIFT Transfers in and out | €1 per inbound and outbound transfer*1 | |||
| Foreign exchange fee for Payment Account transfers | 1% of the transaction amount | |||
Holvi Business Debit Card |
Holvi Select | |||
| Holvi Business Debit Mastercard | €3 per physical card per month €1 per virtual card per month |
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| Custom card spending limits | Included | |||
| Replacement card (physical) | €5 per card (one-time fee) | |||
| ATM usage (Cash withdrawals) | 2.25% of withdrawal amount | |||
| Foreign exchange fee for card transactions | 2.25% of the transaction amount | |||
| Chargeback fee (only where chargeback is declined by Mastercard®) | €10 per chargeback | |||
| Card labels | Included | |||
| Instant card lock and unlock | Included | |||
| Apple Pay and Google Pay | Included | |||
| Account management | Holvi Select | |||
| Multiple users | Included | |||
| Instant top-up | 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."
Business credit |
Holvi Select | |||
| Business credit line & card | Included | |||
Holvi Business Credit Card |
Holvi Select | |||
| Monthly credit line fee for credit applications received | No monthly credit line fee applies | |||
| Interest rate for credit applications received | 18% p.a. (does not apply to full repayment by month-end) | |||
| Interest rate for charge card (full repayment by month-end) | 1.5% per month | |||
| Holvi Business Credit Card | €1 per virtual card per month €3 per physical card per month |
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| Replacement card (physical) | €10 per card (one-time fee) | |||
| Card payments (in EUR) | Included | |||
| Foreign exchange fee | 2% of the transaction amount | |||
| Instant card lock and unlock | Included | |||
| Apple Pay and Google Pay | Included | |||
| Overdrawing the credit line | €10 | |||
| Agreement on a repayment holiday or deferral period, making a repayment agreement | €10 | |||
| Changing the repayment schedule | €10 | |||
| Changing the credit limit | €10 | |||
| Reimbursement of an overpayment | €45 | |||
| Closing a credit line by Holvi | €10 | |||
| Delivery of the payment plan for a closed credit line | €25 | |||
| Other admin tasks | €25 per hour (min. 1 hour) | |||
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 Select | |||
| Bank Connection | Included | |||
|
Selected Connections |
Included | |||
| Other Connections | Included | |||
Connections with our Integration Partners
Please note that the fees listed in this Fee Schedule for the various connections offered in cooperation with an Integration Partner are charged by Holvi and not by the Integration Partner. From time to time, Holvi may, in collaboration with an Integration Partner, waive such fees as part of a promotional offer. Any such waiver is subject to Holvi’s sole discretion.
Business insights
| Business insights | Holvi Select | |||
| Cashflow forecast | Included | |||
| Income, expenses, profit and VAT summaries | Included | |||
| VAT balance calculator | Included | |||
| Daily and weekly business reports | Included | |||
| Email, push and SMS notifications | Included | |||
Expense management
| Expense management | Holvi Select | |||
| Receipt scanning and storing | Included | |||
|
Bookkeeping preparation Categories, VAT rates and notes |
Included | |||
| Expense claims | Included | |||
Bookkeeping & reports
| Bookkeeping & reports | Holvi Select | |||
| Smart transaction filters for easy bookkeeping prep | Included | |||
| Add non-Holvi transactions | Included | |||
| Bookkeeping reports | Included | |||
| Advanced reports and exports | Included | |||
Customer care
| Customer care | Holvi Select | |||
| 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 Select | |||
| 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 request |
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| Valid refusal of direct debit due to insufficient funds |
€5 per payment |
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| Inactivity Fee | €4.50 | |||
| 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. However, this inactivity fee is automatically waived for the first three months after your account is opened.
Glossary
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.
Integration 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 Integration Partner according to their own pricing terms.
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.