| Physical Holvi credit card | Virtual Holvi credit card | ATM withdrawal limits | |
| Minimum transaction amount | €0 | €0 | n/a |
| Maximum transaction amount | €40,000 | €20,000 | n/a |
| Daily spending limit | €40,000 | €20,000 | n/a |
| 30-day spending limit | €100,000 | €45,000 | n/a |
| Maximum transactions per day | 100 | 100 | n/a |
| Maximum transactions per 30 days | 300 | 300 | n/a |
If your available credit is less than the limits above, your available credit is the maximum limit.
Note
For added security and to make sure your card got into the right hands, we’ve disabled contactless payments until you complete a standard chip and PIN transaction.
Online, offline and contactless payments
Online payments
You can use your Holvi Business Credit Card for shopping online. You can manage restrictions for online purchases in your Holvi account under Card settings.
Mastercard® 3D-Secure
We use Mastercard® 3D-Secure authentication to secure online payments made using your Holvi Business Mastercard®.
Connecting to PayPal
If the billing address you use to link a Holvi card to PayPal is different from your home address in Holvi, transactions may be rejected. In other words, it’s not possible to link your Holvi card to PayPal if you have your PayPal country set to Italy and your Holvi country of residence set to Finland. Both addresses must be in the same country.
Offline purchases
An offline purchase happens when the payment terminal (point of sale device) has no internet connection – for example, on an airplane or in some taxis if you travel off the grid. Offline purchases are possible with Holvi, but limited to 5 transactions or a maximum of €150.
You can ‘reset’ your offline purchase limit by using your card in an online payment terminal.
Contactless payments
To comply with PSD2 regulations, we’ve added an extra security step for when you make numerous contactless payments with your Holvi card. You’ll now be asked to add your card PIN whenever:
- You make more than 5 consecutive contactless payments
- The overall sum of several contactless transactions exceeds €150.00
