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Ingrid Schneider · Updated: 3 September 2026
Holvi Flex is a fully digital business account from the Finnish fintech Holvi, aimed at freelancers, sole traders and small to medium-sized companies of almost any legal form. Account management, payments and bookkeeping all run through the Holvi web interface and mobile app — there are no branches and no paper-based processes with this provider.
The account costs 150 euros per year, roughly 12.50 euros per month. No condition under which this fee is waived is listed in the available data, so Holvi Flex is a permanently fee-based account. Holvi additionally charges 0.25 euros for every online booking, regardless of monthly transaction volume — there is neither a free allowance nor a volume discount. Businesses handling many individual payments each month should factor this into the total cost. No data is available on offline bookings, which is unsurprising for a purely online provider like Holvi.
A worked example illustrates the cost structure: with 20 online bookings a month, that is an extra 5 euros in transaction costs, bringing the total to roughly 17.50 euros a month, or around 210 euros a year. At 50 bookings a month, the extra cost rises to 12.50 euros, for a total of nearly 300 euros a year. Businesses with high transaction volumes should run this calculation for their own case.
For tolerated (unauthorised) overdrafts, Holvi charges 0 percent interest — a clear plus compared with many traditional business accounts. No data is available on an arranged overdraft facility; a classic overdraft line does not appear to be part of this account model.
Holvi's sign-up page confirms the 0.25-euro transaction fee; it does not give a figure for the annual fee that can be reliably matched to this specific account tier, so we rely on the product data for that figure.
Holvi Flex can be managed via the web and the mobile app. No reliable information on included debit or credit cards is available in the product data — anyone who needs a physical card should clarify this directly with Holvi before signing up. Reliable data on deposit protection is likewise not available; interested businesses should check this with the provider too.
Holvi opens the Flex account to a very broad audience: freelancers, sole traders, small business owners, GmbHs, partnerships (OHG/KG, GbR) and entrepreneurial companies (UG). Within Holvi's own product line, Flex at 150 euros a year is noticeably more expensive than the Pro account also listed in our database (108 euros a year) — anyone needing many online bookings without extra cost should compare both models before deciding.
Holvi Flex suits businesses looking for a pure app-based bank with a predictable 150-euro annual fee who are willing to accept the 0.25-euro per-booking transaction charge. Interest-free tolerated overdrafts are a genuine advantage, while questions around cards and deposit protection are still worth clarifying directly with Holvi before signing up.
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