Holvi review
Updated October 13, 2026 · HodlCue Editorial Team
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Our verdict
Holvi is an online business banking service built around invoicing, bookkeeping and team debit, credit and virtual cards in one place. For solopreneurs and small teams, it keeps card spending, invoices and receipts connected so business admin stays clear and organised.
Pros and cons
Pros
- Combines banking, invoicing and bookkeeping in one connected place
- Offers team debit, credit and virtual cards with usage controls
- Handles international payments in 18 currencies directly
- Includes receipt scanning, invoices and spending insights for businesses
Cons
- Focused on business finances rather than personal everyday use
- Built as an online service without physical branch banking
- Centred on invoicing and admin rather than simple card spending
Who it suits
- Solopreneurs managing invoices, books and cards together
- Teams controlling card spending and expenses centrally
Who should look elsewhere
- Individuals seeking personal everyday banking
How Holvi compares
Where Holvi is available
- Licence in Finland
- FI_FIN-FSA (PSD_PI FI_FIN_FSA!21937564), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
Which cards does Holvi provide for businesses?+
Holvi provides debit, credit and virtual cards for business spending. Team cards help managers follow card use with instant notifications. A separate card setup keeps recurring subscriptions apart from day to day payments.
What invoicing and bookkeeping tools does Holvi include?+
Holvi combines banking with invoicing, e invoicing and bookkeeping in one place. You can create, send, track and store invoices and receive alerts on paid invoices. Receipt scanning and spending insights help keep records tidy for tax time.
Which currencies can Holvi handle for international payments?+
Holvi handles international payments in 18 different currencies. You can send and receive payments directly without leaving your business setup. Day to day card payments work worldwide in practically any way.
Who is Holvi built for?+
Holvi suits solopreneurs, freelancers and small teams managing business finances from the start. It supports professional invoices, tidy books and clear financial insights. Teams can manage card spending, expenses and performance tracking together.
Which company operates Holvi?+
Holvi is operated by Holvi Payment Services Oy. (Source, checked September 26, 2026)
Where is Holvi based?+
Holvi is based in Finland. (Source, checked September 26, 2026)
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=FI_FIN_FSA!21937564; EntityType=PSD_PI; ENT_NAM=Holvi Payment Services Oy”
- holvi.com checked September 26, 2026
Backs: Audience, Card type, Features, Card network
“Home for your business finances. The company serves both solopreneurs and teams across Europe.”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.