Running your own business should be about doing great work — not spending hours managing payments, invoices, receipts and paperwork.
That is why Työon partners with Holvi, a business financial management service built specifically for entrepreneurs, freelancers and small businesses.
Holvi has been serving European entrepreneurs since 2011 and operates as an authorised payment institution regulated by the Finnish Financial Supervisory Authority. Customer funds are held separately as safeguarded customer funds. This makes Holvi a trusted and established solution for entrepreneurs looking for a simple way to manage their everyday business finances.
Everything your business needs in one place
Business accounts
Open a business payment account online and receive a Finnish IBAN. A smart business account that grows with you: manage payments, send invoices and capture receipts for bookkeeping — all in one app and in 18 currencies. Depending on the selected plan, entrepreneurs can also manage several accounts from the same service.
Business payment cards
Holvi offers Debit and virtual business cards, as well as a Credit card with a credit limit of up to €50,000. Cards can also be added to Apple Pay and Google Pay, making everyday business purchases easier to manage.
Invoicing
Create, send and track invoices directly through Holvi. Selected plans also support sending and receiving e-invoices.
For Työon service providers, this can make it easier to invoice customers and keep business payments organised.
Expense management
Receipts can be photographed, stored and categorised in the Holvi app. This helps entrepreneurs keep business expenses organised and prepare information for bookkeeping.
Accounting tools
Holvi provides financial reports, VAT tools and integrations with accounting software. More comprehensive plans can also include bookkeeping services, VAT declarations and other accounting support. Compare options on the Holvi pricing page.
Tools for growing businesses
Holvi also offers solutions for teams and growing companies, including multiple users, additional business cards, multiple accounts and international payments. Compare options on the Holvi pricing page.
Holvi plans: Flex, Pro and Zen
Holvi has different plans for different stages — so Työon service providers can start light and move up when business activity grows.
Holvi Flex has no monthly fee. You pay based on account usage, which makes it a low-commitment option for new entrepreneurs who are still testing demand and do not yet know how actively the business will operate.
Holvi Pro is Holvi’s most popular package. It is a relevant choice for entrepreneurs who use their business account more actively in everyday work. Current pricing is shown on the Holvi pricing page.
Holvi Zen is a broader package for sole traders who also want bookkeeping and accounting support included: single-entry bookkeeping, a business account and card, invoicing software and an online store in one service — from €79 per month + VAT.
In short: Flex for getting started, Pro for more active everyday use, and Zen when you need a wider finance and bookkeeping setup.
Compare Holvi plansWhy Työon works with Holvi
Työon helps independent professionals and local businesses find new customers.
Many service providers on Työon operate as sole traders, limited companies or independent entrepreneurs. Once you start receiving more customer orders, managing invoices, expenses and business finances becomes increasingly important.
Holvi complements Työon by providing practical financial tools designed around the everyday needs of entrepreneurs.
With Työon, you can find new work and customers.
With Holvi, you can manage the financial side of your business.
Together, the services can help make running a small business simpler.
Built for entrepreneurs
Holvi is designed for entrepreneurs and operates as an authorised payment institution. Business accounts, payment cards, invoicing, expense management and accounting tools are connected in one platform and can be managed online or through the Holvi app.
Different plans are available depending on the size and needs of your business — from Holvi Flex for getting started to Holvi Pro for more active use and Holvi Zen for a broader bookkeeping setup.
Start with Holvi
If you are a Työon service provider or entrepreneur looking for a simpler way to manage your business finances, explore Holvi and open a business account online.
Työon partners with Holvi to introduce useful services for entrepreneurs. Holvi products, eligibility, pricing and terms are provided by Holvi and may change. Please check the current details directly from Holvi before opening an account.