Bank Index
Holvi
E-money or payment institution · Finland · overall 4.8 / 10
How this 4.8 is built
Average of 10 scored needs: 4.8. Regulation in Finland: 100/100 (World Bank governance indicators). Licence confirmed by a regulator's own list. 2 scores backed by filings or its own pages.
Holvi is recorded in the global register as an e-money or payment institution in Finland. The register shows its licence as licensed. Established 2011. Collected from open registers.
On its own website: “Online business banking ✔︎ Invoicing ✔︎ Bookkeeping ✔︎ Debit, credit and virtual cards ✔︎ Receipt scanning ✔︎ Expense management. Simplify work life.”
- Licence confirmed
- yes, on a regulator's own list
- Established
- 2011
- Website
- www.holvi.com/
Scores, 0 to 10
6.0Europe (EU, EEA, Switzerland)
Licensed and operating in its home country per the register entry; the depth of its offer here has not been checked yet. · source
6.0Lowest fees
The bank's own page names the monthly account charge. Transfer and card prices were not read on that page, so this score speaks only for the monthly charge. It reads: “Holvi Flex 0 € 0 € /month Billed monthly Only available as a monthly plan The business account with essential payment features” · source
6.0Fast digital onboarding
An e-money or payment institution: it moves money and issues accounts but takes no deposits and lends nothing. · source
6.0Online businesses: e-commerce and SaaS
An e-money or payment institution: it moves money and issues accounts but takes no deposits and lends nothing. · source
5.5Fintech companies that need a partner bank
An e-money or payment institution: it moves money and issues accounts but takes no deposits and lends nothing. · source
5.5Startups & VC-backed companies
An e-money or payment institution: it moves money and issues accounts but takes no deposits and lends nothing. · source
5.0Business cards (Visa, Mastercard)
An e-money or payment institution: it moves money and issues accounts but takes no deposits and lends nothing. · source
4.0Cross-border payments, FX and multi-currency accounts
Its own business page names SEPA, so payments can leave the country. The score stops at 4.0 because the page did not give the currencies the account holds or the margin on the exchange rate, and the rubric needs both to go higher. · source
4.0Financial strength & stability
An e-money or payment institution: it moves money and issues accounts but takes no deposits and lends nothing. · source
3.5Trade, manufacturing & import-export
An e-money or payment institution: it moves money and issues accounts but takes no deposits and lends nothing. · source
2.0Best interest on business balances
An e-money or payment institution: it moves money and issues accounts but takes no deposits and lends nothing. · source
Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.