Holvi

Holvi is a Helsinki-based business banking service for freelancers and small companies, operating since 2011 and licensed as a payment institution by the Finnish FIN-FSA. It bundles a euro business account, debit cards (physical and virtual) with team spending limits, invoicing with reminders, e-invoice support, receipt capture and bookkeeping exports. Multi-currency send/receive in 18 currencies is supported. The Holvi Flex plan has no monthly fee and charges €0.25 per transaction; tiered monthly plans cover heavier usage. Available across the EU.