Holvi vs Qonto: what each publishes
As of October 7, 2026
The published rules of Holvi and Qonto, 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 | Holvi | Qonto |
|---|---|---|
| Crypto | No | Depends on the activity |
| iGaming | No | No |
| Adult | No | No |
| Unlicensed financial services | No | No |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No | No |
| Marketplace | No | No |
Holvi
QontoLicence
| Licensee | Holvi | Qonto |
|---|---|---|
| Licensee | Holvi Payment Services Oy · payment institution authorised by the Financial Supervisory Authority of Finland (business ID 2193756-4), with branches in Germany and Austria | Qonto SA · payment institution authorised by the ACPR (CIB 16958) |
| Regulator | FIN-FSA · | ACPR · |
Where owners must live
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.
Qonto
No published rule
Rules about countries
Qonto
Qonto is available in 8 markets: France, Italy, Spain, Germany, Portugal, Belgium, Austria, and the Netherlands. Foreign companies can open a Qonto account if they are registered and headquartered in one of these countries.
Austria, Belgium, France, Germany, Italy, Netherlands, Portugal, Spain
Fees
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 |
Qonto
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Basic (self-employed) | Not stated | EUR 9 + VAT (monthly equivalent of an annual plan billed EUR 108; monthly billing also available, price not shown) | · Source |
| Smart (self-employed) | Not stated | EUR 19 + VAT (monthly equivalent, billed annually at EUR 228) | · Source |
| Premium (self-employed) | Not stated | EUR 39 + VAT (monthly equivalent, billed annually at EUR 468) | · Source |
| Essential (business teams) | Not stated | EUR 49 + VAT (monthly equivalent, billed annually at EUR 588) | · Source |
| Business (business teams) | Not stated | EUR 109 + VAT (monthly equivalent, billed annually at EUR 1,308) | · Source |
| Enterprise (business teams) | Not stated | EUR 199 + VAT (monthly equivalent, billed annually at EUR 2,388) | · Source |