Fee Schedule Finland
Holvi Lite
Appendix to Pricing Terms
Holvi Payment Services Ltd
Last update: 5 November
Applicable from: 9 June 2021
Version 1.2
Pricing plan |
Holvi Lite |
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Who can use it |
Customers who register with a business address in Finland |
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Monthly fee |
€6 + VAT |
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Account management |
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Holvi business account |
Included |
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Email, SMS or push notifications |
Included |
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Additional users |
Included |
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Mobile app |
Included |
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Expense categorisation |
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Expense tracking view |
Included |
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Receipt scanning & storing |
Included |
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Transaction categorisation |
Included |
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Accounting & tax prep |
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Bank connection (pankkiyhteys) |
- |
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Add non-Holvi transactions to your account |
- |
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Detailed view of VAT on sales and purchases |
- |
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Data export for tax filing |
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Account statement (download account statement as PDF) |
Included |
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Data export (Dropbox) |
Included |
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Download specialised reports (income statement, invoicing, VAT, Procountor report) |
- |
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General ledger and accounting journal reports |
Included |
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Accountant |
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Accountant and bookkeeping |
- |
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Tax declaration and payment on your behalf |
- |
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Preferential customer support |
- |
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Invoicing |
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Create and send invoices |
- |
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Contact list for managing customers’ invoicing details |
- |
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Payment reconciliation (automatically match incoming payments with your invoices) |
- |
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E-invoice sending |
- |
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E-invoice receiving |
- |
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Business insights |
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Profit & Loss / VAT balance view |
Included |
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Balance forecast |
Included |
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Income / expenses / profit / VAT summary |
Included |
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Transfers & debits |
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SEPA Credit Transfer (SCT) |
500 transactions per month included (€0.25 per additional transaction) |
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SEPA Direct Debit (SDD) |
500 transactions per month included (€0.25 per additional transaction) |
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Instant top-up |
2.5% per payment |
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Holvi Business Debit Mastercard® 1 |
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Holvi Business Debit Mastercard® |
1 included |
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Additional cards (up to 3) |
€3.00 per month per card 2 |
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Replacement card |
€5.00 per card (one-time fee) |
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Card payments (in European currencies) |
Included |
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ATM usage (cash withdrawals) 3 |
2.5% of the withdrawal amount |
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Foreign card usage 4 |
2.0% of the transaction amount |
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Chargeback fee (only where chargeback is declined by Mastercard®) 5 |
€10.00 per chargeback |
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Locking or unlocking card |
Included |
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Admin fees |
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Payment reminders (first reminder is free) |
€5.00 per reminder |
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Express card delivery (approx. 1–3 business days) |
Coming soon |
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Recall (wrong payment instruction) |
€15.00 per recall |
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Individual processing |
€15.00 per request |
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Online store |
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Holvi online store |
2.5% per payment |
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Salary integration (provided by a 3rd party) |
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Salary integration |
Included |
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Salary integration (service provided and charged by 3rd party. Contact Palkkaus.fi for more details) |
Integration included (Palkkaus.fi charges currently from Holvi customers 1% of gross wage, min €4 max €10. Starting from 1.3.2022 min €6 max €12). |
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1. Specific Card Terms apply.
2. 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.
3. 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. You may also be subject to a merchant’s T&Cs when using your Holvi Business Mastercard®. It's your responsibility to review and agree to these before completing a Holvi card transaction.
4. 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.
5. A chargeback is a demand by the cardholder (you) for a retailer to cover the loss on fraudulent or disputed transactions.
Full terms and conditions can be found in our Pricing Terms. Please visit our website for more information on our fees and services.