Holvi Reviews 

Been using Holvi for the past 3 years and I love every part of that platform. Easy to add receipts to card purchases, e-invoicing, clear reporting and all at a very affordable price. If you are a small business and need a tool to manage all your finances...just get Holvi. You will not regret it a bit.

Customer service does not reply after 7 emails.

Telephone call is not possible.

Chat not possible because login does not
work.

They are sitting on my money but no
communication possible.

grrrrr

Reset password does not work

Holvi says mail to support and we answer in no time, this is the point They don’t.

They answer trust pilot within 30 minutes..,,

In the meantime Holvi staff finally replying.

Most likely thanks to Trutspilot as well....

Perfect customer service experience. Solved all my questions within one day.
Transactions take sometimes a little too long. But so far everything works out very good and smooth.

The single best thing that has happened to our business apart from business being good :D

I've never felt less stressed and more in control of our company finances than I do with Holvi. We're a small two man shop, but I could see this expanding into something far bigger as well. Holvi has allowed me to understand and prepare for the future in all aspects of our daily money flow. Their predictions of loss/gain + Vat etc is fantastic and I no longer need to spend time doing excel on everything. Thank you Holvi!

WARNING ! auto upgrading from free account to premium

Fast service, identified the problem (my mistake) and gave the needed information to complete the task

...very easy to handle bank account and most important to me, top discretion.

Excellent service. Easy to use, great customer service and all in all just great.

I have just positive experience. A really good friend of mine give me Holvi as a tip for modern banking.

Fast and useful answers.

We signed up in 2015 to try (the then FREE) Holvi. We have been sent in invoice in October 2021 for a free account which was inactive since end of 2015 !!!

Furthermore, we weren't even allowed to delete our account due to outstanding charges, which means further charges might have incurred while we were disputing the first invoice. After multiple messages to the support team, our account was closed with a delay of multiple weeks.

Holvi is insisting on us paying the invoice for an account which was inactive for 6 (!!!) years and threatening us with a debt collection agency.

We told Holvi support multiple times that we are willing to pay the invoice (because what they do might to be legal, even though it is a really bad practice).

But in order for us to pay the invoice, we need an invoice with our business address on it. Holvi is refusing to issue a correct invoice and does insist that we do pay an invoice which doesn't even an address printed on it.

We are forwarding this to our attorney now, and he will sue Holvi to issue a correct invoice.

Holvi might be a great platform for those with a small business, but they are terrible at business insight. Perhaps that is why they had to lay off so many of their employees in the past, and very likely again, in the future? The upgrading of free accounts to a paid model without asking for consent is a violation of European data protection agencies and many if not all European consumer laws. This has not have much to do with not reading emails, this has to do with illegal business practices. I'm not allowed to encourage people to take certain actions, but I would like to let you all know I have filed a complaint with the consumer agency in Finland, KKV, and GDPR regarding the illicit use of my personal data.

We signed up for a FREE account in 2020 spring and haven't used Holvi's services after signup. Never had any money moving through Holvi or anything.

Today we are threatened with payments being sent to a dept collection agency for a subscription that we never signed up for or used.

Holvi moved our free account to paid subscription without our permission even when we haven't logged in to their platform in over 1,5 year or ever used it.

Customer service didn't see our 1,5 year long inactivity as a valid reason for not to collect this subscription payment. But rather told us to pay or they will move the invoice to debt collection. Unbelievable and feels really illegal way of getting paid subscriptions.

Is this really the way Holvi does customer acquisition?

Don‘t use them if you need professional banking services or transactions over 100k€. I had them for two of my companies and some issues which risked important business deals.

The app is great but that is not enough.

I signed up with the free account and closed down my NORDEA business account, as I was very happy with Holvi - it simplified accounting, sending invoices and keeping track of transactions.

I received several Email that I will have to upgrade to the Paid Account as Holvi changed their business model, which I fully support. Dealing with the support always has been fast and friendly, and I’m a happy paying customer - I pay more at a traditional bank, with not even half the services. It feels like the majority of the 1 ⭐️ Reviews are by people who don’t check their Emails regularly, and now vent by leaving negative Reviews here.

I registered a free account years ago and ran it on the free basic package.

In October 2021, I received an invoice because I was supposedly upgraded to the Business plan (without my consent) and they supposedly notified me several times via email, which I cannot confirm.

Now they want to force me to pay outstanding fees, although I never agreed for the paid upgrade.

I was in contact with their support but all they could do was to send me the invoice.

This procedure is completely unacceptable and dubious to be honest.

--- Deutsch ---

Upgrade ohne meiner Zustimmung!

Ich habe ein Konto vor Jahren registriert und auf dem kostenlosen Basis-Paket laufen lassen. Das Konto habe ich nie aktiv benutzt.

Im Oktober 2021 bekomme ich eine Rechnung, weil ich angeblich auf den Business-Tarif (ohne meiner Zustimmung) hochgestuft worden bin und sie hätten mich angeblich mehrmals per E-Mail darauf hingewiesen, was ich nicht bestätigen kann.

Nun soll ich Gebühren bezahlen, obwohl ich nie für den Tarifwechsel zugestimmt habe.

Dieses Vorgehen ist völlig inakzeptabel, unseriös und fühle mich erpresst.

Eigentlich ist es ein Fall für den Konsumentenschutz.

When I joined Holvi in 2020 the bank offered an almost perfect product to me. Just the basics I need for my small business. Then, the price got hiked and they graciously announced this would not affect existing users. Then, that got revoked and in addition to charging a monthly fee, the already available features got cut back. So I'm stuck now with a product I must continue paying for to finish the year, yet without the ability to create new invoices or even download older ones I already sent out! I regard this as highly unprofessional and cant wait to pack my bags and leave. This is nearly a Bunq level bad customer experience. As startups are oh so keen on feedback to improve their product, this is how I would have expected their price change:
1. Let existing customers keep the existing account for another year, freeze features
2. New customers can sign up at the basic 6€ tier
3. Add new features in the meantime for only the top tier at 12€

... instead of basically forcing me to pay for a product that has not developed since I opened the account. Shame on your product managers!

Years ago I singed up for free account to see what Holvi was all about. I ended up not using Holvi as I was not satisfied with their webshop capabilities. Years later, I received an email stating that I need to top up my account balance to cover my service fees. Turns out all free account have been rolled into a paid subscription model without asking for any consent of the customer in question, can this even been done? I just cancelled my account and in the cancelation email it stated "that I would have to pay any outstanding service fees promplty as unpaid fees will prevent them from fully closing my account." I never agreed to your pay your new service fee in any way, how can you force us to pay something we never agreed and/or gave our consent for? How is that for clarity and responsibility? Great business practice...

HOLVI closed our bank account
We had a business account with Holvi and today without ANY prior notice our account was closed. We contacted the support but they didn't give us an answer nor did they transfer our money back (even though a new account number was provided to the support team). It is impossible to reach them so we tried to post something on their facebook page with is immediately deleted every time. It seems like a bad dream to unreal to be true...

Very easy to open the business account in Helsinki, Finland.