Holvi Pro

Holvi Pro at a Glance

Holvi Pro is the more powerful business account from the Finnish fintech Holvi and, like the smaller Flex account from the same provider, targets freelancers, sole traders and businesses of nearly any legal form. This account, too, is managed entirely digitally via web and app.

Account Fee and Transaction Costs

Holvi Pro costs 108 euros a year, or 9 euros a month. That makes Pro cheaper than the Holvi Flex account also listed in our database (150 euros a year) — a notable difference within the same product family that prospective customers should weigh when choosing the right plan. No condition for a fee waiver is listed.

The decisive advantage of Pro over Flex lies in transaction costs: online bookings are completely free with Holvi Pro, regardless of monthly volume. With Flex, by contrast, 0.25 euros applies per online booking. Businesses with a high number of monthly bookings can therefore save significantly with Pro despite otherwise similar core features. No data is available on offline bookings.

For a tolerated overdraft, Holvi also charges 0 percent interest on Pro. No data is available on an arranged overdraft facility.

Holvi's sign-up page advertises a 30-day free trial for this account, as well as up to 10 German IBANs and digital bookkeeping including e-invoicing. The landing page gives no figure for the annual fee after the trial period, so we rely on the product data (108 euros a year) for that.

Access, Cards and Deposit Protection

Holvi Pro can be managed via web and app. No reliable information on included debit or credit cards is available in the product data. Reliable data on deposit protection is likewise not available; interested businesses should check directly with Holvi.

Who Is Holvi Pro For?

Like Flex, Holvi opens the Pro account to a broad audience: freelancers, sole traders, small business owners, GmbHs, partnerships (OHG/KG, GbR) and entrepreneurial companies (UG). Pro is the more obvious choice within the Holvi range especially for businesses with high transaction volumes, thanks to free online transactions and the lower annual fee.

Pros and Cons

• Free online bookings with no volume limit
• At 108 euros a year, cheaper than the Holvi Flex account
• Up to 10 German IBANs and digital bookkeeping with e-invoicing, per the provider

• 108 euro annual fee with no visible waiver condition
• No reliable data on cards or deposit protection
• No data on offline bookings or an arranged overdraft facility

Verdict

Within the Holvi product family, Pro is both the cheaper and the more capable business account: a 108-euro annual fee combined with free online bookings makes it especially attractive for businesses with high transaction volumes. Open questions on cards and deposit protection are worth clarifying directly with Holvi before signing up.