Holvi Holvi Grow
A plan byHolvi
Holvi is a business neobank regulated by the FIN-FSA, with a Finnish IBAN, a solid Trustpilot rating (4.3/5) and integrated invoicing. Coverage is limited to Finland, Germany and Austria, however, with 1–2.5% FX fees and high ATM fees (2–2.5%).
Holvi Grow
- Price
- €30
- Cashback currency
- Nessuno
- Cashback cap
- Free
- Required staking
- Nessuno
What's included
- Higher limits
- Premium support
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · FI |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | No |
| Interest on balance | 1% |
| ATM withdrawal | Free |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 3+ countries |
| Regulator | FIN-FSA |
| OAM Italy registration | No |
| MiCA / License status | Credit Institution (Finnish FSA) FIN-FSA (FI) |
Strengths
- FIN-FSA regulated; IBAN finlandese; Trustpilot 4,3/5; fatturazione integrated.
- No notable sovereignty advantage documented.
Weaknesses
- Only FI/DE/AT; FX 1-2,5%; ATM fee 2-2,5%.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (FIN-FSA (FI)): reporting to authorities and freezes on order.
Verdict
Fair without excelling: FIN-FSA regulation, a Finnish IBAN, integrated invoicing and a 4.3/5 Trustpilot hold the verdict up. Weighing against it are the real usage costs — 1–2.5% FX and 2–2.5% ATM fees — and coverage limited to Finland, Germany and Austria, which narrows its usefulness outside those markets.
Worth little here: a custodial account with full KYC under FIN-FSA, geared to SME tax and invoicing management. No self-custody or real privacy; the compliance that justifies its Tutela rating brings no sovereignty benefit.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Holvi a real bank?
Holvi operates under a Credit Institution (Finnish FSA) licence (FI). The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Holvi?
Yes, Holvi allows outgoing transfers to third-party IBANs, like a traditional bank account.
Does Holvi support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Holvi support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Holvi?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Company profile · Multi-currency · +4 Data verified on Jun 15, 2026
- arcticstartup.com Investors Data verified on Jun 15, 2026
- ibsintelligence.com Stock ticker · Stock listing · IPO date · Latest funding round Data verified on Jun 15, 2026
- support.holvi.com Monthly fee · SWIFT fee · Savings interest · Plans & pricing · +2 Data verified on Jun 15, 2026
Show 5 more sources
- lei-lookup.com Issuer Data verified on Jun 14, 2026
- finanzwissen.de SEPA fee Data verified on Jun 13, 2026
- neuebanken.de Deposit guarantee Data verified on Jun 13, 2026
- peak.capital Founders Data verified on Jun 13, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 13, 2026