Versatile and flexible
You can start lightly and expand as needed — with no commitment or hidden costs.
Seamless financial management
Business accounts are automatically merged into your financial management and you can see account transactions flow into your books in real time.
All in one place
Easily manage all your business finances from one place and with one clear interface.
Open a business account easily and quickly online
A versatile and clear business
account with all the delights.
For startups and SMEs.
Only for Oy.
25 €
/month
10 IBAN-accounts and 5 payment account with 1,5% interest
500 SEPA payments per month, exceeding 0,10 €/pcs
5 SWIFT payments per month, exceeding 0,5 €/pcs
5 Traditional Debit Cards and 20
Virtual Debit Cards
Unlimited users
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.
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.
For small business owners
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 €
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 €
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 €
Compared to a traditional bank, when the
company has another user and 30 bank transfers per month.
(for Oy only)
Save on usage fees
Affordable SEPA express transfers, currency fees and SWIFT payments keep usage fees in check as business payment traffic grows.
A total of 4 cards
Three traditional Debit cards, as well as one separate virtual card on top, enable agile payment methods for a small team.
1% interest on the money in the account
You get a 1% annual deposit rate on the money in the account, so you make money even if the money is just standing in the account.
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
Connect to your business account
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.
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.
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.
