Sometimes you need money in your account, fast. There are two ways to add money to your Holvi account instantly: a SEPA Instant transfer from another bank account, or an instant top-up by card or Finnish online bank.
In short
- SEPA Instant transfer: Send money to your Holvi IBAN from any bank in the SEPA area that offers instant payments. It usually arrives within seconds, 24/7, and Holvi doesn’t charge a fee to receive it.
- Instant top-up: Add money by card (Finland, Germany and Austria) or from a Finnish personal bank account. A small rush fee applies.
SEPA Instant transfer
A SEPA Instant transfer is a euro bank transfer that arrives in seconds, at any time of day, including weekends and public holidays. It works like a regular bank transfer: you send money from your other bank account to your Holvi IBAN.
How to add money with a SEPA Instant transfer
- Find your Holvi IBAN. (Where can I find my IBAN and BIC?)
- Log in to the online bank or app of the account you’re sending from.
- Create a new transfer to your Holvi IBAN, and choose instant payment if your bank asks.
- Confirm the transfer. The money should arrive in your Holvi account within seconds.
If you’ve turned on push notifications, we’ll let you know when the money arrives.
Good to know
- The sending bank must support SEPA Instant. Most banks in the SEPA area do. If yours doesn’t, the transfer is sent as a regular SEPA transfer and usually arrives within 1 business day.
- At Holvi, SEPA Instant payments cost the same as regular SEPA payments, if your plan doesn’t include free SEPA payments. Your other bank may charge their own fee or set transfer limits.
Instant top-up
With an instant top-up, you add money through our secure payment portal, without leaving Holvi.
- Card top-up: Available in Finland, Germany and Austria. Use a card for any account you have access to.
- Bank top-up: Finland only. Pay directly from a personal account at one of the accepted banks below.
Top-up fees
Instant top-ups have a small rush fee, based on your plan. We deduct it together with your next service fee.
- Holvi Flex: 2.5%
- Holvi Lite: 2.5%
- Holvi Pro: 2%
- Holvi Zen and Zen+: 2%
- Holvi Business: 2%
See our pricing and fee schedules for full details.
💻 On the web
- Log in to Holvi.
- In the top right of Home, click Quick actions.
- Select Top up.
- Enter an amount and choose your top-up option.
- Confirm your details in our secure payment portal.
📱 In the app
- Log in to the Holvi app.
- On Home, select Top up.
- Enter an amount and choose your top-up option.
- Confirm your details in our secure payment portal.
The money arrives in your account straight away. If you’ve turned on push notifications, we’ll send you a confirmation.
Accepted top-up banks/services in Finland
- Aktia
- Danske Bank
- Nordea
- Oma Säästöpankki
- OP
- POP Pankki
- Siirto
- S-Pankki
- Säästöpankki
- Ålandsbanken
Which option should I choose?
| SEPA Instant transfer | Instant top-up | |
|---|---|---|
| Holvi fee | Free | 2–2.5%, depending on your plan |
| Speed | Usually within seconds, 24/7 | Instant |
| Send from | Any euro account at a bank in the SEPA area that supports SEPA Instant | A card (FI, DE, AT) or a personal account at an accepted Finnish bank |
| Where you start | Your other bank’s online bank or app | Holvi, on the web or in the app |
For most people, a SEPA Instant transfer is the best choice, as it’s just as fast and free to receive. Instant top-up is handy if you want to use a card, or if your other bank doesn’t support SEPA Instant.
FAQ – Frequently asked questions
My SEPA Instant transfer hasn’t arrived. What should I do?
Check with your sending bank that the transfer was sent as an instant payment. If it was sent as a regular SEPA transfer, it usually arrives within 1 business day. If it was sent as instant and still hasn’t arrived, contact us.
Is there a limit on how much I can send?
For SEPA Instant transfers, your sending bank may set its own limits.
Can I top up from a business account?
A SEPA Instant transfer works from any account, personal or business.
Instant top-ups by card, yes, with any card for an account you have access to. Bank top-up in Finland only works from a personal bank account.