Holvi vs Revolut Business: Complete Comparison (2026)
An in-depth comparison of Holvi and Revolut Business to help you choose the right tool for your business.
Last updated: November 2026
Holvi
5.5/10
Holvi is a business account with invoicing, receipt capture and bookkeeping prep for freelancers and small companies in Finland, Germany and Austria.
Revolut Business
6.4/10
Revolut Business is a multi-currency business account. It includes team cards, invoicing and payment links, an optional expenses add-on and accounting integrations, and serves UK, EEA and US companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.5/10 | 6.4/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 6/10 | 6/10 |
| Cost | 8/10 | 6/10 |
| Customization | 3/10 | 6/10 |
| Ease of Use | 8/10 | 8/10 |
| Integration | 3/10 | 7/10 |
| Scalability | 3/10 | 7/10 |
| Security | 6/10 | 7/10 |
| Support | 5/10 | 4/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €9/mo Holvi Lite | £10/mo Basic |
| Estimated cost for 10 users | €9/mo Holvi Lite | £10/mo Basic |
| Features | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| General Ledger | Not listed | |
| Multi-currency | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
Holvi vs Revolut Business cost by team size
| Team size | Holvi | Revolut Business |
|---|---|---|
| 1 user | FreeHolvi Flex | £10/moBasic |
| 5 users | €9/moHolvi Lite | £10/moBasic |
| 10 users | €9/moHolvi Lite | £10/moBasic |
| 25 users | €9/moHolvi Lite | £10/moBasic |
| 50 users | €9/moHolvi Lite | £10/moBasic |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Holvi
- Has a free plan (Revolut Business does not)
- Higher Cost score (8/10 vs 6/10)
- Higher Support score (5/10 vs 4/10)
- Better fit for freelancers (9/10 vs 4/10)
Why choose Revolut Business
- Higher Integration score (7/10 vs 3/10)
- Higher Scalability score (7/10 vs 3/10)
Pros & Cons
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.
Revolut Business
Pros
- The monthly FX allowance at the interbank rate (up to 60,000 pounds on Scale) and more than 25 currency sub-accounts suit firms that pay suppliers abroad.
- Every plan includes card controls, and each team member can have up to 50 virtual cards.
- Xero, QuickBooks, Sage and FreeAgent connect on every plan, and more than 45 accounting tools are listed.
- From Grow up there is a Business API and bulk payments for automating payouts.
- In-app chat support is available 24/7 on all plans.
Cons
- There is no phone support, and a dedicated account manager is only offered on Enterprise.
- Charges add up past the allowances: 0.6% on FX overage, 1% outside market hours and 2% on cash withdrawals.
- There are no cash or cheque deposits, overdrafts, or inbound Direct Debits.
- Some users report accounts being frozen or restricted during compliance reviews.
- Expenses and Payroll cost extra per user on top of the plan fee.
Not sold on either?
Frequently Asked Questions
Revolut Business scores higher on our Finance Software criteria: 6.4/10 against 5.5/10 for Holvi. The largest gap is in Integration: 3/10 for Holvi and 7/10 for Revolut Business.
Holvi has a free plan; Revolut Business does not list one.
Holvi is the better fit for freelancers: we rate it 9/10 for them, against 4/10 for Revolut Business.
