Version: 1.9
Last update: 12. August, 2026
This Fee Schedule details all fees that apply when using Holvi Services, billed monthly. All prices are listed without VAT.
For your reference, we’ve created a glossary with key terms.
- Visit our website for more information on fees and services
- View our Pricing Terms for full pricing T&Cs
Holvi plan
| Holvi plan | Monthly subscription plan | Annual subscription plan |
| Holvi Business | €50 per month (VAT excluded) | €40 per month (VAT excluded) |
Business banking & cards
| Payment Account | Holvi Business | ||||
| Payment Accounts with FI IBANs |
10 included
|
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| Additional Payment Accounts with FI IBANs | €3 per month | ||||
| BIC/SWIFT codes | Included | ||||
| Transfers & Direct Debits | Holvi Business | ||||
|
SEPA Credit Transfer (SCT) & Direct Debit (SDD)
|
500 transactions per month included €0.10 per additional transaction |
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| SWIFT Transfers in and out |
5 transactions per month included €0.50 per inbound and outbound transfer*2 |
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| Foreign exchange fee for Payment Account transfers | 0.5% of the transaction amount | ||||
Interest Bearing Payment Account |
Holvi Business | ||||
| Interest Bearing Payment Account | Up to 5 accounts | ||||
| Interest paid on balances by Holvi | 1% per annum | ||||
Holvi Business Debit Card |
Holvi Business | ||||
| Holvi Business Debit Mastercard (physical) | 5 included | ||||
| Additional cards (physical) | €3 per month per card | ||||
| Holvi Business Debit Mastercard (virtual) | 20 included | ||||
| Additional cards (virtual) | €1 per month per card | ||||
| Custom card spending limits | Included | ||||
| Replacement card (physical) | €5 per card (one-time fee) | ||||
| ATM usage (Cash withdrawals) | 2% of withdrawal amount | ||||
| Foreign exchange fee for card transactions | 1% of the transaction amount | ||||
| Chargeback fee (only where chargeback is declined by Mastercard®) | €10 per chargeback | ||||
| Card labels | Included | ||||
| Instant card lock and unlock | Included | ||||
| Apple Pay and Google Pay | Included | ||||
| Account management | Holvi Business | ||||
| Multiple users | Included | ||||
| Instant top-up | 2% per payment | ||||
*2 "The payee’s payment service provider may also reject, return or delay the Payment Transaction due to missing, incomplete, incorrect or closed Payment Information. In this case, both the payee’s payment service provider may deduct an additional fee directly from the Payment Amount and Holvi may apply an additional fee to the monthly subscription fee."
Business credit |
Holvi Business | ||||||
| Business credit line & card | By application, plans start from €0 per month | ||||||
| Credit Line withdrawal fee (does not apply to credit card payments) | 2% of the transaction amount | ||||||
Holvi Business Credit Card |
Holvi Business | ||||||
| Monthly credit line fee | No monthly credit line fee applies | ||||||
| Interest rate | 18% p.a. (does not apply to full repayment by month-end) | ||||||
| Holvi Business Credit Card | 30 virtual cards included 30 physical cards included |
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| Additional cards | €2 per month per virtual card €3 per month per physical card |
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| Replacement card (physical) | €10 per card (one-time fee) | ||||||
| Card payments (in EUR) | Included | ||||||
| Foreign exchange fee | 1% of the transaction amount | ||||||
| Instant card locking or unlocking | Included | ||||||
| Apple Pay and Google Pay | Included | ||||||
| Overdrawing the credit line | €10 | ||||||
| Agreement on a repayment holiday or deferral period, making a repayment agreement | €10 | ||||||
| Changing the repayment schedule | €10 | ||||||
| Changing the credit limit | €10 | ||||||
| Reimbursement of an overpayment | €45 | ||||||
| Closing a credit line by Holvi | €10 | ||||||
| Delivery of the payment plan for a closed credit line | €25 | ||||||
| Other admin tasks | €25 per hour (min. 1 hour) |
A note on card billing of all types
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.
A note on maximum card amounts
Please note that Holvi may set a limit to the number of cards issued to a single user specifically for any reason.
Cash withdrawals at ATMs
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. By using the Holvi Business Mastercard®, you accept responsibility for any additional fees and surcharges. It's your obligation to review and agree to these before completing a Holvi card transaction.
Using Holvi cards abroad
Your Holvi Business Mastercard® supports payments in multiple currencies. When the payment is in a non-EUR denominated 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 time of purchase. For reference, please see the Euro foreign exchange rates, issued by the European Central Bank.
Connections
| Connections | Holvi Business | ||||
| Bank Connection | Included | ||||
|
Selected Connections |
Included | ||||
| Other Connections | Included | ||||
Invoicing & sales
This Fee Schedule also applies to Customers referred by a Distribution Partner, with the exception of the Invoicing & Sales, as detailed below.
| Invoicing & sales | Holvi Business | Holvi Business when referred by a Distribution Partner | ||||
| Create, send and track invoices | Included | Not included | ||||
| E-invoice sending | Included | Not included | ||||
| E-invoice receiving | Included | Not included | ||||
| Payment reconciliation (automatically match incoming payments with your invoices) | Included | Not included | ||||
| Contact list for managing invoicing details | Included | Included | ||||
| Inventory management | Included | Not included | ||||
| Online store | Holvi Business | |||||
| Online store | Not included | |||||
|
Online sales collection (inbound payments) |
Not included | |||||
| Online store tracking | Not included | |||||
Business insights
| Business insights | Holvi Business | ||||
| Cashflow forecast | Included | ||||
| Income, expenses, profit and VAT summaries | Included | ||||
| VAT balance calculator | Not included | ||||
| Daily and weekly business reports | Included | ||||
| Email, push and SMS notifications | Included | ||||
Expense management
| Expense management | Holvi Business | ||||
| Receipt scanning and storing | Included | ||||
|
Bookkeeping preparation Categories, VAT rates and notes |
Included | ||||
| Expense claims | Not included | ||||
Payroll services |
Holvi Business | ||||
| Salary integration for basic payroll | Not included | ||||
| Fee for 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 Over 10 paid salaries per month: €10 per salary paid |
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Bookkeeping & reports
| Bookkeeping & reports | Holvi Business | ||||
| Smart transaction filters for easy bookkeeping prep | Included | ||||
| Add non-Holvi transactions | Not included | ||||
| Bookkeeping reports | Not included | ||||
| Advanced reports and exports | Included | ||||
Accounting services
| Accounting services | Holvi Business | ||||
| Certified accountant | Not included | ||||
| Dedicated accounting team | Not included | ||||
| Monthly VAT declaration | Not included | ||||
| Monthly VAT payment | Not included | ||||
| Monthly prepayment guidance | Not included | ||||
| Annual tax return | Not included | ||||
| Annual financial statement | Not included | ||||
Customer care
| Customer care | Holvi Business | |||
| Messaging support and email | Included | |||
| Phone support | Included | |||
| 24/7 virtual assistant | Included | |||
| Help Centre | Included | |||
| Personal tax support | Not included | |||
Administrative Fees
Some actions require us to carry out manual work – for example, cancelling payments, notifying you of an executed or refused payment transaction, tracking non-executed or incorrectly executed payment transactions or returning funds paid due to incorrect unique identifiers.
These actions cost us extra. As such, they’re subject to additional fees.
| Admin fees | Holvi Business | ||||
| Payment reminder (first payment reminder will not incur any cost) |
€5 per reminder |
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| Recall (wrong payment instruction) |
€15 per recall |
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| Individual processing |
€15 per request |
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| Valid refusal of direct debit due to insufficient funds |
€5 per payment |
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| Other administrative tasks |
€25 per hour (min. 1 hour) |
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Glossary
Banking Day: Any day other than a Saturday, Sunday or listed holiday. More information can be found in our Help Centre.
Card Networks: Refers to Mastercard International Inc. and/or Visa Europe Services Inc. or any other applicable card brands.
Chargeback: A demand by the cardholder (you) for a retailer to cover the loss on fraudulent or disputed transactions.
Customer: A natural person or legal person with a bonafide business purpose in whose name the Holvi Account is opened.
Customer Support: The service Holvi offers to help its Customers resolve customer support requests or answer questions concerning Holvi and its services. More information on Holvi customer support is available in our Help Centre.
Distribution Partner: Refers to an external company with which Holvi has entered into a formal cooperation agreement to promote Holvi Services. Fees charged for Holvi Services under this cooperation may differ from Holvi’s standard fees as set out in this Fee Schedule. All fees are determined and charged exclusively by Holvi, and the Distribution Partner is not permitted to modify the Fee Schedule or collect payments related to Holvi Services from customers.
FIN-FSA: The Financial Supervisory Authority of Finland. More information on the FIN-FSA can be found on the FIN-FSA website.
Holvi: Short for Holvi Payment Services Ltd, including any branch being established, also referred to in our Terms and Service as ‘we’, ‘us’ and ‘our’.
Holvi Services: Are services Holvi provides to its Customers within the scope described in Section 1 of our Terms of Service. Also referred to in our Terms as ‘Holvi Service’ (singular) particularly when they relate to Holvi’s primary service of operating the Customer’s Payment Account and the execution of Payment Transactions related to these Payment Accounts.
Holvi Website: Our website, www.holvi.com.
Salary Payment: Consists of the employee’s income, bonuses, expenses and other salary-related items.
SEPA: Refers to Single Euro Payments Area.
User: The natural person using the Holvi Service and authorised by the Customer to use the Customer's payment account on behalf of the Customer.