Holvi Unlimited

Annual account feeAccount fee
1,176.00  €
Cash withdrawal
Cash withdrawal note
Unlimited free cash withdrawals worldwide.
0.00 €
  • Bank offers English registration form
  • Unlimited Mastercards & User Accounts
  • Suitable for Startups
  • Unlimited free cash withdrawals
  • Incl. Billing functions and Expense Management
  • Accounting Functions Integrated
  • Free of charge Mastercard Credit Card
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Holvi Unlimited
Grade 1.3
Yearly Fee
3 of 15
Onlinebanking & -fees
22 of 22
Telephonebanking & Offline banking
0 of 6
0 of 5
Credit Card & Bank Card
14 of 14
Card payments
12 of 20
Mobile payments
0 of 3
Flexibility of legal types
11 of 12
Apps, Useraccounts & Deposit Insurance
19 of 19
1 of 2
Accounting, Billing & other features
12 of 10
94 of 128
Grade 1.3
Bank Holvi Payment Services Oy
Account name Holvi Unlimited
Annual account feeAccount fee 1,176.00 €
Credit interest
Costs & Fees
Annual Fees
Account fee p.a. 1,176.00 €
Credit card fee p.a. 0.00 €
Transaction fees
Online transactions free of charge p.M. Unlimitiert
Online transactions 0.00 €
Paper transactions
Telephone banking
Payment costs
Credit Card Mastercard
Fees per payment euro zone 0.00 €
Foreign exchange fee 2.00 %
Cash withdrawal costs
Free Withdrawals p.m. unlimited
Cash withdrawal (domestic) 0.00 €
Cash withdrawal (euro zone) 0.00 €
Foreign exchange fee 0.00 %
Legal forms
Freelancers & Sole Proprietors
Sole proprietorship
Sole traders
Corporations & Limited Companies
GmbH / KGaA / AG
UG limited liability
Limited (Ltd)
Partnership under civil law
Kommanditgesellschaft (KG)
General partnership
Partnership company (PartG)

The Finnish financial services provider Holvi addresses the broad mass of companies with a total of four different business accounts. Founders and young self-employed people will find the right account for their needs as well as small companies that are already established on the market.

Services of the Holvi Unlimited business account

The Holvi Unlimited business account is designed as a complete package, it contains all the important services of a business account. Cashless transfers can be made and received as well as cash withdrawals. The account holder manages his account via online banking or for mobile banking with the help of an app. The Unlimited account has unlimited sub-accounts and the number of Business Mastercards is not limited. A program is also available for checking and verifying invoices. The optional online shop that Holvi offers for the other three [business accounts] (/en/) can be requested. A Dispositionskredit is not set up for all Holvi accounts.

For whom is the Holvi Unlimited business account suitable?

Holvi would like to address small companies with the business account Unlimited. The financial services provider from Finland offers this clientele all important services relating to business accounts. By integrating an invoicing and accounting tool, important internal processes can be simplified.

Prices and conditions of the Holvi Unlimited business account

The Unlimited account costs 98 Euro per month. The account holder can open an unlimited number of accounts and issue unlimited credit cards for his employees. The invoice verification tool can optionally be used free of charge. Cash withdrawals are also possible as often as you like. The customer only has to do without a overdraft facility.

Special features of the Holvi Unlimited business account

Remarkable is the unlimited number of sub-accounts and credit cards opened and issued for Holvi Unlimited. It is noticeable that Holvi is using this account model to specifically target small companies whose business already accounts for a certain order of magnitude. It is also striking that the online shop planned for all other Holvi accounts is only available here on request. Although it is to be expected that it will also be offered, it is apparently not necessarily included in the price.

Advantages and disadvantages of the Holvi Unlimited business account

The biggest advantage of the Unlimited account is the comprehensive package of services that the account holder receives. This includes withdrawing cash without limiting the frequency of withdrawals. Above all, the opening of additional accounts and the issuing of Business Mastercard in unlimited quantities gives a hint that you are targeting small companies with many employees who are professionally mobile and therefore need a corporate credit card. The connection of the invoice verification software is also very interesting for a small company.

A negative aspect is the high basic fee of over 98 Euro per month. This is very expensive for a usual Premiumkonto at itself, however it must be considered that account owners can provide unlimited many subaccounts and use credit cards. For start-ups and companies that want to equip several employees with cards or accounts, the Holvi Unlimited business account is definitely an interesting option.

If you are only looking for a premium business account with extended services, but do not necessarily need the large number of accounts and cards, the Holvi Grower business account may be interesting for you. The Holvi Complete account includes up to five subaccounts and Mastercard.

Open Holvi Unlimited Business Account

Holvi convinces with an overall lean and fast account opening process. All you need is an e-mail address, a mobile phone number and some company data. The demo account is opened after the company data has been entered. The account holder can thus test the most important functions of the business account. Afterwards a legitimation is still necessary. In the registration process it is explained which documents have to be submitted for the legitimation. They depend above all on the legal form of the company. After the legitimation, the business account is opened.

Conclusion on the Holvi Unlimited business account

The Holvi Business Account Unlimited is suitable for small businesses that require multiple accounts and credit cards and that make a variety of transfers and cash withdrawals per month. In return, there is a fairly high basic fee to pay. Slightly less features, but also a lower annual price, is the result.

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