Holvi review
Updated October 12, 2026 · DebitCue Editorial Team
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Our verdict
Holvi works differently from a standard high street debit card because it bundles banking, invoicing and bookkeeping with smart payment cards in one place. For solopreneurs and small teams who want tidy books, fast invoices and controlled team spending, it keeps daily finances connected.
Key facts
- Best for
- Solopreneurs and teams managing business spending
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- Holvi Payment Services Oy (Source, checked September 26, 2026)
- Headquarters
- Finland (Source, checked September 26, 2026)
- Founded
- 2011 (Source, checked September 26, 2026)
- Support channels
- Help-centre, Phone (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card
- Audience
- Business
- Official website
- holvi.com
Credit cards
- APR
- 16% (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Holvi Payment Services Oy (Source, checked September 26, 2026)
- Headquarters
- Finland (Source, checked September 26, 2026)
- Founded
- 2011 (Source, checked September 26, 2026)
- Support channels
- Help-centre, Phone (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card
- Audience
- Business
Pros and cons
Pros
- Combines business banking, invoicing and bookkeeping with debit, credit and virtual cards
- Supports international payments in 18 different currencies from one account
- Offers team cards with instant notifications and individual controls for spending
- Includes receipt scanning, VAT calculator and accounting software integrations for tax preparation
Cons
- Built around business finances, so personal spenders gain less everyday value
- Runs through online and app access without in person branch service
Who it suits
- Solopreneurs wanting invoicing, bookkeeping and cards together
- Small teams controlling card use and expenses
Who should look elsewhere
- People seeking a personal card for everyday use
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
What does Holvi provide for small businesses?+
Holvi provides online business banking combined with invoicing and bookkeeping in one place. It includes smart payment cards, receipt scanning and expense management. The setup helps solopreneurs keep books tidy and gain financial insights.
Which cards does Holvi offer?+
Holvi offers debit, credit and virtual cards for business payments. Team debit cards allow controls for ATM withdrawals and online payments. A separate card keeps recurring subscription payments apart from daily transactions.
How does Holvi help teams manage spending?+
Holvi lets businesses manage team spending from a connected business account. Managers can activate or deactivate card functions for individual cards and receive instant notifications. All team expenses stay visible in real time with spending insights.
How does Holvi support international payments and invoicing?+
Holvi supports sending and receiving payments in 18 different currencies directly from the account. It also supports invoicing and e-invoicing with tracking and storage. Paid invoices trigger instant notifications and receipts stay organised for tax time.
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)
When was Holvi founded?+
Holvi was founded in 2011. (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.”
- play.google.com/store/apps/details checked September 26, 2026
Backs: Founded
“Holvi was founded in Helsinki in 2011, by entrepreneurs for entrepreneurs”
- support.holvi.com/hc/en-gb checked September 26, 2026
Backs: Support channels
“Help Centre available”
- holvi.com checked September 26, 2026
Backs: APR, Card kind, Rewards type
“Holvi charges interest at a rate of 16% on outstanding balances”
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.