Fee Schedule Finland
Holvi Zen+
Appendix to Pricing Terms
Holvi Payment Services Ltd
Last update: 28 December 2023
Applicable from: 01 March 2024
Version 1.2
|
Pricing plan |
Holvi Zen+ 1 |
|
Who can use it |
Toiminimi / Entrepreneurs / Osakeyhtiöt / Limited companies |
|
Monthly fee |
€99 + VAT |
|
Account management |
|
|
Holvi business account |
Included |
|
Email, SMS or push notifications |
Included |
|
Additional users |
Included |
|
Mobile app |
Included |
|
Expense categorisation |
|
|
Expense tracking view |
Included |
|
Receipt scanning & storing |
Included |
|
Transaction categorisation |
Included |
|
Accounting & tax prep |
|
|
Bank connection (pankkiyhteys) |
- |
|
Add non-Holvi transactions to your account |
Included |
|
Detailed view of VAT on sales and purchases |
Included |
|
Data export for tax filing |
|
|
Account statement (download the account statement as PDF) |
Included |
|
Data export (Dropbox API) |
Included |
|
Download specialised reports (income statement, invoicing, VAT, Procountor report) |
Included |
|
General ledger and accounting journal reports |
Included |
|
Accountant |
|
|
Accountant and bookkeeping |
Included |
|
Tax declaration and payment on your behalf2 |
Included |
|
Preferential customer support |
Included |
|
Invoicing |
|
|
Create and send invoices |
Included |
|
Contact list for managing customers’ invoicing details |
Included |
|
Payment reconciliation (automatically match incoming payments with your invoices) |
Included |
|
E-invoice sending |
500 transactions per month included (€0.50 per additional e-invoice) |
|
E-invoice receiving |
500 transactions per month included (€0.50 per additional e-invoice) |
|
Business insights |
|
|
Profit & Loss / VAT balance view |
Included |
|
Balance forecast |
Included |
|
Income / expenses / profit / VAT summary |
Included |
|
Transfers & debits |
|
|
SEPA Credit Transfer (SCT) & SEPA Direct Debit (SDD) |
500 transactions per month included (€0.25 per additional transaction) |
|
Instant top-up |
2% per payment |
| SWIFT transfers (incoming and outgoing) |
€6 / transfer |
| Salary integration (provided by Partner) | |
|
Salary integration |
Included |
|
Salary integration (integration provided by Palkkaus.fi and charged by Holvi, please contact Palkkaus.fi for further information) |
Up to 10 paid salaries per month: €15 per salary paid Over 10 paid salaries per month: €10 per salary paid |
|
Holvi Business Debit Mastercard® 3 |
|
|
Holvi Business Debit Mastercard® (physical) |
3 included |
|
Additional cards (physical) |
€3.00 per month per card 4 |
|
Max number of cards (physical) |
5 cards per user |
|
Replacement card (physical) |
€5.00 per card (one-time fee) |
|
Holvi Business Debit Mastercard® (virtual) |
1 included |
|
Additional cards (virtual) |
€2.00 per month per card 4 |
|
Max number of cards (virtual) |
10 cards per company |
|
Card payments (in EUR) |
Included |
|
ATM usage (cash withdrawals) 5 |
2% of the withdrawal amount |
|
Foreign card usage 6 |
2% of the transaction amount |
|
Chargeback fee (only where chargeback is declined by Mastercard®) 7 |
€10.00 per chargeback |
|
Locking or unlocking card |
Included |
|
Admin fees |
|
|
Payment reminders (first reminder is free) |
€5.00 per reminder |
|
Express card delivery (approx. 1–3 business days) |
Coming soon |
|
Recall (wrong payment instruction) |
€15.00 per recall |
|
Individual processing8 |
€15.00 per request |
|
Refusal of direct debit due to insufficient funds |
€5.00 per payment |
|
Additional administrative work 8 |
€79.00 per hour |
|
Other admin tasks |
€25 per hour (min. 1 hour) |
|
Online store |
|
|
Online sales platform |
Included |
|
Collecting money from sales (inbound payments) |
2.5% transaction fee |
1. Specific Holvi Zen+ Terms apply.
2. This fee is charged by our Partner for the preparation and submission of the tax declaration to the competent tax authority.
3. Specific Card Terms apply.
4. 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.
5. 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 merchant’s T&Cs when using your Holvi Business MasterCard®. It is your responsibility to review and agree to these before completing a Holvi Business MasterCard® transaction.
6. 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.
7. A chargeback is a demand by the cardholder (you) for a retailer to cover the loss on fraudulent or disputed transactions.
8. Including but not limited to cancelling payments, notifying the customer of executed or refused payment transactions, tracking non-executed or incorrectly executed payment transactions, returning funds paid due to incorrect unique identifiers.
9. This fee is charged by our Partner or Holvi itself if tax related documents or other documents required for the provision of our accounting service are submitted with delay by the Customer.
Full terms and conditions are available here – Pricing Terms. Please visit our website for further information on our fees and services.