Providers · Business accounts
Holvi
16 plans in our database · licensed as PI
Data last verified: 21 August 2026
If you open an account through these links we may earn a commission. It costs you nothing extra, and it never changes the ranking. How we make money
Plans & fees
| Plan | Type | Monthly fee | Setup | FX fee | SWIFT out |
|---|---|---|---|---|---|
| Holvi Associations Flex (FI) | business | Free | Free | 1%* | €1 |
| Holvi Flex (DE) | business | Free | Free | 1%* | €1 |
| Holvi Flex (AT) | business | Free | Free | 1%* | €1 |
| Holvi Flex (FI) | business | Free | Free | 1%* | €1 |
| Holvi Lite (AT) | business | €9/mo | Free | 1%* | €1 |
| Holvi Lite (DE) | business | €9/mo | Free | 1%* | €1 |
| Holvi Lite (FI) | business | €12/mo | Free | 1%* | €1 |
| Holvi Associations Pro (FI) | business | €15/mo | Free | 1%* | €1 |
| Holvi Pro (AT) | business | €15/mo | Free | 1%* | €1 |
| Holvi Pro (DE) | business | €15/mo | Free | 1%* | €1 |
| Holvi Pro (FI) | business | €18/mo | Free | 1%* | €1 |
| Holvi Business (FI) | business | €50/mo | Free | 0.5%* | €0.5 |
| Holvi Business (DE) | business | €69/mo | Free | 0.5%* | €0.5 |
| Holvi Business (AT) | business | €69/mo | Free | 0.5%* | €0.5 |
| Holvi Zen (FI) | business | €79/mo | Free | 1%* | €1 |
| Holvi Zen+ (FI) | business | €99/mo | Free | 1%* | €1 |
* Some FX rates are “from” or “up to”. ⚠ “from” = starting price (variable pricing) - the final fee depends on your profile. “Bespoke” = custom pricing on request. Compare across providers on the fee tables.
What you get
Hold up to 18 currencies · local account details in EUR.
Getting in, and what you get
Pays interest on balances - the provider doesn't publish the rate.
Offers a credit card and a revolving line, up to €50,000.
Regulation
Regulated or registered in Finland, Germany.
Regulators: Financial Supervisory Authority of Finland (FIN-FSA) · Federal Financial Supervisory Authority (BaFin)
In the fine print
Conditions from Holvi's own terms, pricing pages and acceptable-use policy that don't fit in a table. Read in full and checked by hand.
Limits
- Holvi states SEPA credit transfers and direct debits are unlimited on this plan: no monthly transaction cap is published.
- The 30 SEPA transactions a month are one shared allowance across incoming and outgoing payments, covering credit transfers and direct debits together, not two separate counts.
- The 500 SEPA transactions a month are one shared allowance across incoming and outgoing payments, covering credit transfers and direct debits together, not two separate counts.
Payments & transfers
- Payments to or from a country outside Holvi's supported country list are automatically returned to the sender.
- China and the United Arab Emirates were added to Holvi's supported country list in August 2026; some Holvi documents not updated since then still leave them out.
- Holvi's 18 SWIFT currencies don't include CNY or AED, so payments to China or the United Arab Emirates have to be sent in USD, EUR or another currency on the list.
- incorporated in ATAustrian customers receive Finnish IBANs; Holvi does not issue Austrian IBANs.
Crypto
- Holvi provides no crypto support; its acceptable-use policy explicitly prohibits it.
Will Holvi actually accept you?
Acceptance depends on where your company is registered, where its owners live, where your money flows - and your sector. The wizard checks Holvi's published rules on all of them, and shows you the alternatives too.
Check in 2 minutes →