NoCFO Flex — a business account with no monthly fee

A business account

with no monthly fee

A business account

with no monthly fee

No monthly fee and no opening fee. Pay 0.25 € per SEPA

payment — and nothing at all when business is quiet.

See pricing

Light to start,

flexible to keep

Light to start,

flexible to keep

Light to start,

flexible to keep

NoCFO Flex is made for sole traders and small limited companies who

want a business account without a fixed monthly cost.

No monthly or opening fee

No fixed monthly fee and no opening fee —

you only pay when you actually transact.

Pay only for what you use

SEPA payments cost 0.25 € each, transfers

between Holvi accounts are free and SWIFT

payments are 1 €. A quiet month costs you

nothing at all.

Bookkeeping already included

Transactions flow into your books in real

time, without the separate bank connection

fee Holvi charges outside NoCFO.

Learn more

Flex business account brings savings for

solopreneurs and small businesses

No monthly or opening fee

The NoCFO Flex business account has no fixed

monthly fee, no business account opening fee, and

no other surprising expenses.

The NoCFO Flex business account has no fixed

monthly fee, no business account opening fee, and

no other surprising expenses.

Flexible account for your needs

Don't pay unnecessarily high bank account fees if

there is no business either. You only pay from a

business account 0,25 €/transaction.

Don’t pay unnecessarily high bank account fees if

there is no business either. You only pay from a

business account 0,25 €/transaction.

For small business owners

NoCFO Flex works for sole proprietors and limited

liability companies. Start opening the business

account easily through the buttons below.

NoCFO Flex works for sole proprietors and limited

liability companies. Start opening the business

account easily through the buttons below.

New company

Save on opening fees, monthly

fees, and account usage fees.

Total annual savings

760 €

Open NoCFO Flex

Compared to a traditional bank. Opening a new

account and 10 wire transfers per month.

New company

Save on opening fees, monthly

fees, and account usage fees.

Total annual savings

760 €

Open NoCFO Flex

Compared to a traditional bank. Opening a new

account and 10 wire transfers per month.

Solopreneur

Save on monthly fees, usage

costs, and data transfer costs (for

example, traditional bank WS

channels).

Total annual savings

560 €

Open NoCFO Flex

Compared to a traditional bank, when a company

makes 10 wire transfers per month.

Solopreneur

Save on monthly fees, usage

costs, and data transfer costs (for

example, traditional bank WS

channels).

Total annual savings

560 €

Open NoCFO Flex

Compared to a traditional bank, when a company

makes 10 wire transfers per month.

Microenterprise

Save on monthly fees, usage

costs, and data transfer costs (for

example, traditional bank WS

channels).

Total annual savings

620 €

Open NoCFO Flex

Compared to a traditional bank, when the

company has another user and 30 bank transfers

per month.

Microenterprise

Save on monthly fees, usage

costs, and data transfer costs (for

example, traditional bank WS

channels).

Total annual savings

620 €

Open NoCFO Flex

Compared to a traditional bank, when the

company has another user and 30 bank transfers

per month.

Simple, transparent pricing

Open a business account easily and quickly online

Flex

A monthly fee-free business account

is flexible to meet your business

needs.

For sole proprietors and small

businesses.

For Toiminimi and Oy.

0 €

/month

Payments between Holvi accounts

0.00 €/pcs

SEPA payments 0.25 €/pcs

1 Virtual Debit Card

Debit card transactions 0.00 €/pcs

SWIFT-payments 1 €/pcs

1 user

Seamlessly in NoCFO without bank

connection cost (from Holvi 6

€/month)

Open NoCFO Flex

Learn more about Holvi pricing here.

Open an account quickly for

free

Open an account quickly for

free

Open an account quickly for

free

No opening fees, no queuing or pointless gimmicks. You can open an account in a couple of

days conveniently completely online.

No opening fees, no queuing or pointless gimmicks. You can open an account in a couple of

days conveniently completely online.

Open a business account in NoCFO

You can open an account completely

online, with no opening fee. You can open a

business account directly from your

company's Settings. You only add your

own and your company's data — Holvi

verifies your data in a couple of days.

You can open an account completely

online, with no opening fee. You can open a

business account directly from your

company’s Settings. You only add your

own and your company’s data — Holvi

verifies your data in a couple of days.

Connect to your business account

Finalize the use of business account with a

couple of click. Add/edit the bookkeeping

account where the transactions are entried.

A few minutes and business account works

seamlessly in NoCFO.

Finalize the use of business account with a

couple of click. Add/edit the bookkeeping

account where the transactions are entried.

A few minutes and business account works

seamlessly in NoCFO.

All in one place

Account transactions automatically enter

the accounting records. Pay bills as well as

other fees and all necessary procedures all

directly in the same service.

Account transactions automatically enter

the accounting records. Pay bills as well as

other fees and all necessary procedures all

directly in the same service.

Open a business account

NoCFO's business accounts are provided by Holvi Payment Services Oy.

Holvi is a Finnish payment institution established in 2011 and has a

payment institution licence issued by the Finnish Financial Supervisory

Authority.

NoCFO’s business accounts are provided by Holvi Payment Services Oy.

Holvi is a Finnish payment institution established in 2011 and has a

payment institution licence issued by the Finnish Financial Supervisory

Authority.

Since its inception, the goal of Holvi has been to make life easier for

entrepreneurs and companies, and today it already serves more than

20,000 companies in Finland, from sole proprietors to SMEs.

Since its inception, the goal of Holvi has been to make life easier for

entrepreneurs and companies, and today it already serves more than

20,000 companies in Finland, from sole proprietors to SMEs.

Holvi has bank-level protection. In practice, this means that in

accordance with the Payment Services Directive (PSD2), Holvi retains all

customer assets in separate partner banks. In this way, the funds are

secured by deposit protection provided by banks. In the unlikely event

that Holvi were to run into payment difficulties, our clients' assets would

still remain intact and secure, separate from Holvi's balance sheet.

Holvi has bank-level protection. In practice, this means that in

accordance with the Payment Services Directive (PSD2), Holvi retains all

customer assets in separate partner banks. In this way, the funds are

secured by deposit protection provided by banks. In the unlikely event

that Holvi were to run into payment difficulties, our clients’ assets would

still remain intact and secure, separate from Holvi’s balance sheet.

Ready to get started?

Save money and time on

your accounting.

Get started for free

Book a free demo meeting

Ready to get started?

Save money and time on

your accounting.

Get started for free

Book a free demo meeting