Finom vs Holvi: what each publishes
As of October 7, 2026
The published rules of Finom and Holvi, side by side: which industries each excludes or accepts, where owners must live, which countries each names, the licence each holds and the fees each publishes. Each answer links to the page that quotes the rule with the date we read it.
This is not a ranking, and the two names are in alphabetical order. Either provider may still decline your company because of its activity, where it is registered, where its owners live or which licence it holds. The free check applies the rules of every provider in our base to your answers.
Policy by industry
| Industry | Finom | Holvi |
|---|---|---|
| Crypto | Depends on the activity | No |
| iGaming | No | No |
| Adult | No | No |
| Unlicensed financial services | No | No |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No published rule | No |
| Marketplace | No published rule | No |
HolviLicence
| Licensee | Finom | Holvi |
|---|---|---|
| Licensee | Finom Payments B.V. · electronic money institution authorised by De Nederlandsche Bank (relation number R180074) | Holvi Payment Services Oy · payment institution authorised by the Financial Supervisory Authority of Finland (business ID 2193756-4), with branches in Germany and Austria |
| Regulator | DNB · | FIN-FSA · |
Where owners must live
Finom
No published rule
Holvi
All users need to live within the EEA, UK or Switzerland with the exception of: Association, freelancer, and Sole trader companies’ creators and admins who need to live in the same country in which the company is registered.
Rules about countries
Finom
No published rule
Fees
Finom
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Solo | Not stated | EUR 0 | · Source |
| Basic | Not stated | EUR 21 excl. VAT paid monthly; EUR 17 per month paid yearly (Netherlands) | · Source |
| Smart | Not stated | EUR 40 excl. VAT paid monthly; EUR 34 per month paid yearly (Netherlands) | · Source |
| Pro | Not stated | EUR 149 excl. VAT paid monthly; EUR 119 per month paid yearly | · Source |
| Grow | Not stated | EUR 339 excl. VAT paid monthly; EUR 249 per month paid yearly | · Source |
Holvi
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Holvi Flex (Germany) | Not stated | EUR 0 (monthly plan only) | · Source |
| Holvi Lite (Germany) | Not stated | EUR 9 + VAT on a monthly plan; EUR 4.50 + VAT per month on a 1-year subscription | · Source |
| Holvi Pro (Germany) | Not stated | EUR 15 + VAT on a monthly plan; EUR 9 + VAT per month on a 1-year subscription | · Source |
| Holvi Business (Germany) | Not stated | EUR 69 + VAT on a monthly plan; EUR 59 + VAT per month on a 1-year subscription | · Source |
| Holvi Flex (Finland) | Not stated | EUR 0 | · Source |
| Holvi Lite (Finland) | Not stated | EUR 12 + VAT on a monthly plan; EUR 9 + VAT per month on a 1-year subscription | · Source |
| Holvi Pro (Finland) | Not stated | EUR 18 + VAT on a monthly plan; EUR 15 + VAT per month on a 1-year subscription | · Source |
| Holvi Business (Finland) | Not stated | EUR 50 + VAT on a monthly plan; EUR 40 + VAT per month on a 1-year subscription | · Source |