e-conomic vs Holvi Comparison

E

Why choose e-conomic

• Higher Integration score (8/10 vs 3/10)
• Higher Scalability score (7/10 vs 3/10)
• Better fit for small business (9/10 vs 7/10)

Why choose Holvi

• Has a free plan (e-conomic does not)
• Higher Cost score (8/10 vs 5/10)
• Higher Ease of Use score (8/10 vs 6/10)

E

e-conomic

Pros

• Free outside access for an accountant or bookkeeper on every plan, which suits the Danish accountant-led market.
• Integrations with inventory systems, webshops and payroll, plus an open REST API with webhooks, which were added in 2026.
• Scales by posting volume from 1,000 up to 800,000 postings a year, with modules added as needs grow.
• Available in Danish, Norwegian, Swedish and English, where Dinero is Danish only.
• Smart and Komplet plans include a built-in Firmakort company card and bank and receipt automation.

Cons

• No free plan, and prices rise with posting volume and paid modules.
• The Basis plan leaves out reminders, quotes, subscription invoicing and full API access.
• Payroll needs a separate product such as Danløn connected through an integration.
• Some users and competitors describe the system as heavy or complex for very small businesses.
• Phone support is limited to weekday office hours, ending at 15:00 Monday to Thursday and 14:00 on Friday.

Holvi

Pros

• The free Flex plan gives sole traders an IBAN and a virtual card with no monthly fee.
• Invoicing, payment matching and receipt scanning all happen in the same app as the bank account.
• The Lite and Pro plans include accountant access for handing over the books.
• Finnish customers can add a done-for-you bookkeeping service.

Cons

• Holvi only serves Finland, Germany and Austria.
• On Flex, per-transfer fees add up quickly as volume grows.
• It is not a full double-entry accounting system and has no consolidation or forecasting.
• Some reviews on G2 and Trustpilot complain of sudden account freezes or closures.
• Currency exchange carries a 1 percent fee.