Holvi Business is designed for companies with teams. It brings banking, payments, cards, invoicing and bookkeeping preparation together in one plan, with clear and transparent pricing.
At a glance
- €50 per month, or €40 per month if billed annually (excluding VAT)
- 10 payment accounts with a Finnish IBAN
- 500 SEPA transfers per month
- 5 physical and 20 virtual debit cards
- Multiple users for your team
- Invoicing and e-invoicing (verkkolasku)
- Exports for Procountor, Briox and Fivaldi
Who is it for?
The only requirements for the Finnish Holvi Business pricing are:
- Company type is Ltd (osakeyhtiö)
- Business is registered in Finland
That’s it! New customers can register here, while existing customers can find instructions for upgrading their plan here.
What’s included?
For €50 per month (or €40 per month if billed annually), excluding VAT, Holvi Business includes:
- 10 payment accounts with a Finnish IBAN, to separate budgets, teams or projects
- 500 SEPA transfers and direct debits per month
- 5 SWIFT transfers per month
- 5 physical and 20 virtual Holvi Business Debit Mastercards, with custom spending limits, card labels, instant lock and unlock, Apple Pay and Google Pay
- 1% interest per year on balances, on up to 5 accounts
- Multiple users, so your whole team can work in the same account
- Invoicing, sending and receiving e-invoices, payment reconciliation and inventory management
- Receipt scanning, expense claims and salary payments via Palkkaus.fi
- Cashflow forecast and summaries of income, expenses, profit and VAT
- Reports and exports for your accountant, including Procountor, Briox and Fivaldi
- Support by message, email and phone, plus a 24/7 virtual assistant
Good to know: If your Holvi account was set up through one of our Distribution Partners, your plan works a little differently. Invoicing, e-invoicing, payment reconciliation, inventory management, expense claims and the salary integration aren’t part of it.
Not sure if this applies to you? Our support team is happy to check.
Business credit
You can apply for a business credit line and Holvi Business Credit Cards (30 virtual and 30 physical cards included). There’s no monthly credit line fee. Withdrawals from the credit line have a 2% fee, which doesn’t apply to credit card payments. The interest rate is 18% per year, but no interest is charged if you repay the full amount by the end of the month.
Fees outside your plan
| Service | Fee |
|---|---|
| Additional payment account | €3 per month per account |
| SEPA transfers and direct debits over 500 per month | €0.10 per transaction |
| SWIFT transfers over 5 per month | €0.50 per transfer (the recipient’s bank may also deduct its own fee) |
| Foreign exchange fee, SWIFT transfers | 0.5% of the amount |
| Foreign exchange fee, card payments | 1% of the amount |
| ATM cash withdrawals | 2% of the withdrawal amount |
| Additional debit card | €3 per month (physical), €1 per month (virtual) |
| Replacement physical debit card | €5 per card |
| Instant top-up via Paytrail | 2% of the transaction total |
| Salary payment via Palkkaus.fi | €15 per salary for up to 10 salaries per month; €10 per salary when you pay over 10 salaries per month |
👉 See all fees in our fee schedule.
What makes Holvi Business different?
Holvi Business is built for the day-to-day running of growing companies, not just freelancers or founders working on their own. Your team members get their own cards with spending limits and labels, you can keep separate accounts for different budgets, and invoicing, receipts and bookkeeping preparation all happen in one place. The pricing is transparent, and the core features you need are included in one plan.
How to upgrade to Holvi Business
Go to Plan & billing > select Change plan > choose Business. You can choose monthly or annual billing, depending on what works best for you.
See How do I upgrade or downgrade my plan? for more details.
Preparing exports for your accountant
Holvi Business makes it easy to share your numbers with your accountant. It includes:
- Ready-made exports for Procountor, Briox and Fivaldi
- VAT report, income statement and invoicing report
- Electronic account statements (camt.052)
- Receipts and bookkeeping details (categories, VAT rates and notes) saved with each transaction
This means your finance team or external accountant gets everything they need in the right format, saving time for everyone.
What’s not included?
The following aren’t part of Holvi Business:
- Online store and online sales
- VAT balance calculator
- Adding non-Holvi transactions
- Bookkeeping reports (accounting journal, general ledger and order lists)
- Accounting services, such as a certified accountant, VAT declarations, the annual financial statement and tax returns
If you need any of these, compare our plans.
FAQ – Frequently asked questions
Can I use Holvi Business as a second account?
Absolutely. Holvi Business works well if you already have a bank but want a dedicated account for your company’s day-to-day operations or card spending.
Do the prices include VAT?
No. All prices are shown excluding VAT.
Can my team members have their own cards?
Yes. The plan includes 5 physical and 20 virtual debit cards. You can set spending limits and labels for each card, and lock or unlock a card instantly.
What happens if I make more than 500 SEPA transfers in a month?
You can keep making transfers as usual. Each SEPA transfer or direct debit over the monthly 500 costs €0.10.