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Holvi operates as an online financial workspace created specifically for freelancers, solo entrepreneurs, and small teams working across European markets. Instead of replicating the structure of traditional banks, the platform focuses on practical tools that help users organize income, expenses, and payments in a straightforward digital environment. This approach is frequently reflected in Holvi reviews, where users emphasize clarity and ease of everyday use.

The service provides dedicated business accounts with remote registration, allowing users to send and receive payments, issue invoices, and track spending without switching between multiple systems. Holvi’s interface is designed to support daily financial routines rather than complex banking operations, which many Holvi reviews describe as a key advantage for independent professionals without accounting backgrounds.

Beyond payment handling, Holvi includes built-in bookkeeping support that helps users keep records structured throughout the year. Expense categorization, transaction overviews, and financial summaries reduce manual work and help entrepreneurs maintain better control over their finances. Details about available plans, supported countries, and feature limits are published on the official website at https://www.holvi.com.

Public opinion also shapes how the platform is perceived. The EuroBrandTrust platform has gathered and summarized recent user feedback about Holvi, highlighting recurring observations related to usability, transparency, and suitability for small-scale business activity. In many Holvi reviews, the service is described as a practical alternative for those seeking financial organization tools without unnecessary complexity.

Rather than positioning itself as a full-service bank, Holvi is commonly seen as a focused solution for managing business finances online. Its emphasis on usability, structured workflows, and digital accessibility makes it a frequent choice among freelancers and small business owners looking for control without overengineering.

Holvi
Hinta-laatu suhde

Hinta-laatu suhde

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Henrietta Macri ́
27.11.2025
Holvi
Best banking service for entrepreneurs

I’m using Holvi in Germany almost 2 years for my UG company.
Everything what is need to me is available:
– user frienly interface (DE, EN, FN)
– app
– different formats of reporting
– integration with accounting software
– e-invoicing support
– very responsive customer support
– top-level security protection with MFA
– very easy onboarding for new customer

Highly recommended for anyone who is looking reliable banking service! Good luck to Holvi team!

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Dmitry Ivakin
27.11.2025
Holvi
Luotettava palvelu ja hyvä tuki käyttöönottovaiheessa.

Erittäin hyvä ja luotettava palvelu sekä hyvä tukipalvelu.

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Timo Hahtala
27.11.2025
Holvi
Erinomainen asiakaspalvelu sähköpostin…

Erinomainen asiakaspalvelu sähköpostin kautta. Selkeät ohjeet, kun vain koittaa kysyy-

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Nokkela Toiminmi
14.11.2025
Holvi
Bin im Allgemeinen seit Jahren sehr…

Bin im Allgemeinen seit Jahren sehr zufrieden mit der Bank.

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Sarah Bischoff
14.11.2025
Holvi
Kaikki samassa paketissa ja hyvä asiakaspalvelu

Hyvä asiakaspalvelu, jonka tavoittaa nopeasti. Kaikki palvelut samassa ja edullisesti.

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Marianne Hemminki
31.10.2025
Holvi
Selkeä ja toimiva palvelu

Selkeä ja toimiva palvelu. Hinta on kohdillaan ja käyttökokemus ollut oikein hyvä.

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Joonas Hyvärinen
31.10.2025
Holvi
Serious bank

Serious bank. Very easy to use.
Perfect!

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Sofia
28.10.2025
Holvi
The most atrocious customer service.

The most atrocious customer service.

More than 1 week of waiting for a new Finnish company to be registered, countless messages sent to their AI chat requesting human follow up, waiting weeks for no response.

Then suddenly my login just completely stops working, and still not even one email to follow up.

I think I won’t be recommending this unmanned business to anyone.

edit:

They blocked my account after I used ProtonVPN, but didn’t email me to let me know, and the login screen made no mention of an issue apart from an ‘authentication error, try again’.

After regaining access they asked me to supply a 25 euro DVV certificate to prove my residency, which to my mind is making a mockery of Finnish Banking Identification, I already proved my identity and all other relevant documents.

I actively hate these people, and decided to close my account.

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Asher
21.10.2025
Holvi
Holvin asiakaspalvelu on odotukset…

Holvin asiakaspalvelu on odotukset ylittävää. Asiani käsiteltiin perusteellisesti ilman kiirettä ja sain jopa arvokkaita lisävinkkejä, joista en osannut edes kysyä.

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Mari
03.09.2025
Holvi
Bank sperrt willkürlich IP-Adressen, Support träge

Wir waren jahrelang bei Holvi mit unserem Geschäftskonto zufriedener Kunde.
Leider sehen wir uns nun gezwungen, das Konto demnächst aufzulösen, da die Bank von einem Tag auf den anderen unsere feste, statische IP Adresse gesperrt hat. So ist es uns nur möglich, über Residential Proxies Überweisungen zu tätigen.
Stetige Rückfragen beim Support führten nach Monaten zu keinem zufriedenstellenden Ergebnis.

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C. S.
30.08.2025
Holvi
Tulevaisuuden valinta

Erinomaisia, nopeita, edistyneitä ja ajantasaisia palveluita. Toivon, että siitä tulee tulevaisuudessa merkittävä ja tärkeä pankki, joka yllättää asiakkaat valitessaan tämän pankin. Se on parempi kuin monet pankit, joilla on vain suuret nimet. Toivon sekä asiakkaiden että pankin menestystä, HOLVI

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yasna Sana
28.08.2025
Holvi
Helppo käyttää

Helppo käyttää, kaikki tarpeellinen pienyrittäjälle löytyy ja hinta-laatusuhde on nappiin!

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Maria Repo-Rostedt
24.08.2025
Holvi
Helppo ja nopea

Helppo ja nopea

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Juho-Pekka Suominen
19.08.2025
Holvi
an unreliable partner.

I’ve been a Holvi customer for many years. As a freelancer and entrepreneur, I originally chose Holvi because it offered an all-in-one banking and accounting solution tailored to independent professionals. For a long time, it worked well — I managed five years of accounting history through their platform.
Unfortunately, over time Holvi has changed its policies and pricing again and again. Recently, they decided to stop supporting more than half of the countries they used to serve. They do not close those accounts but they are stripping features, dont include them in new releases, the server speed is down and they do not fix bugs. Prices stay the same, but the number of features and supported markets keeps shrinking.
What’s worse, Holvi’s current practices make it nearly impossible for businesses to stay compliant with EU accounting regulations. Within the EU, companies are legally required to keep financial records for at least eight years. Holvi’s recent changes put that continuity at risk.

In short, Holvi has become an unreliable partner. Their frequent policy shifts, lack of transparency, and disregard for long-time customers show a serious decline in trustworthiness. If you’re considering using Holvi — don’t. They treat their customers poorly and change direction whenever it suits their internal strategy or profit goals.
A banking license should come with responsibility. Holvi no longer acts like a reliable financial institution.

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Dominick
17.08.2025
Holvi
Top Empfehlung

Es macht meine Buchhaltung tatsächlich extrem einfach.

Top Empfehlung

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Martin Hisgen
14.08.2025
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