Best Holvi Alternatives in 2026
8 alternatives to Holvi in Business Banking, ranked by our editorial score. Compare pricing, free tiers, and best-fit guidance side by side.
Top Business Banking Alternatives
| Tool | Score | Starting Price | Free Tier | Best For | |
|---|---|---|---|---|---|
| Aspire | 75 | Free | ✓ | Startups and small-to-medium businesses in Southeast Asia that need a unified pl | Compare vs Holvi → |
| Nickel | 71 | Free | ✓ | Construction, wholesale, manufacturing, and logistics companies that want a zero | Compare vs Holvi → |
| Soldo | 69 | Free | ✓ | Small and mid-sized UK/European companies that want to control employee spending | Compare vs Holvi → |
| Revolut Business | 66 | Free | ✓ | Digital-first small businesses, freelancers, and startups with international cli | Compare vs Holvi → |
| Payhawk | 62 | Free | ✓ | Mid-market and enterprise finance teams in Europe and the UK that need to manage | Compare vs Holvi → |
| Airwallex Business | 59 | Free | ✓ | Online businesses, startups, and SMEs that need global multi-currency accounts, | Compare vs Holvi → |
| Kontist | 58 | Free | ✓ | Freelancers and self-employed individuals in Germany who want automated tax calc | Compare vs Holvi → |
| Qonto | 56 | $10/mo | French and European SMEs and freelancers who want a modern, spend-management-foc | Compare vs Holvi → |
Which Alternative Should You Choose?
Best for: Startups and small-to-medium businesses in Southeast Asia that need a unified pl
⚖️ Holvi vs Aspire →
Best for: Construction, wholesale, manufacturing, and logistics companies that want a zero
⚖️ Holvi vs Nickel →
Best for: Small and mid-sized UK/European companies that want to control employee spending · Costs $4/mo less than Holvi
⚖️ Holvi vs Soldo →Best for: Digital-first small businesses, freelancers, and startups with international cli
⚖️ Holvi vs Revolut Business →❓ Frequently Asked Questions
What does Holvi cost?
Holvi's pricing is plan-based, and the current fees are published on holvi.com. There isn't a meaningful free business account in most cases, so expect to pay a monthly subscription for the invoicing and bookkeeping features.
Can I use Holvi outside Finland?
Holvi is built for Finnish and European sole traders and micro-businesses. You need to have a business in a supported European market, and non-European businesses generally can't open an account.
Does Holvi replace my accounting software?
Holvi includes basic bookkeeping, receipt capture, and VAT-style reporting, which is enough for many sole traders. It is not a full double-entry accounting system, so complex tax situations might still need an accountant or dedicated software.
Is my money protected if Holvi uses BBVA's banking license?
Holvi's deposit accounts are provided through BBVA's EU banking license, so eligible deposits are likely covered by the applicable EU deposit guarantee scheme, typically up to €100,000. You should verify the exact entity and guarantee in the account terms.