Holvi vs Pleo Comparison
Compare Holvi vs Pleo features, pricing, and more.
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.
Pleo
6.8/10
Pleo is a European spend management platform that gives small and mid-sized businesses company cards, receipt capture, reimbursements and supplier invoice payments.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.5/10 | 6.8/10 |
| Scalability | 3/10 | 6/10 |
| Analytics | 4/10 | 6/10 |
| Compliance | 6/10 | 7/10 |
| Integration | 3/10 | 7/10 |
| Security | 6/10 | 7/10 |
| Support | 5/10 | 5/10 |
| Cost | 8/10 | 6/10 |
| Customization | 3/10 | 6/10 |
| Ease of Use | 8/10 | 9/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €9/mo Holvi Lite | £8/user/mo Start |
| Estimated cost for 10 users | €9/mo Holvi Lite | £80/mo Start |
| Features | ||
| Corporate Cards | ||
| Expense Management | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| General Ledger | Not listed | |
| Invoicing | Not listed | |
| Multi-currency | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Holvi vs Pleo cost by team size
| Team size | Holvi | Pleo |
|---|---|---|
| 1 user | FreeHolvi Flex | £8/moStart |
| 5 users | €9/moHolvi Lite | £40/moStart |
| 10 users | €9/moHolvi Lite | £80/moStart |
| 25 users | €9/moHolvi Lite | £200/moStart |
| 50 users | €9/moHolvi Lite | £400/moStart |
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 (Pleo does not)
- Higher Cost score (8/10 vs 6/10)
Why choose Pleo
- Higher Integration score (7/10 vs 3/10)
- Higher Scalability score (6/10 vs 3/10)
- Better fit for enterprise (4/10 vs 1/10)
- Better fit for small business (9/10 vs 7/10)
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.
Pleo
Pros
- G2 reviewers praise the card and receipt-capture app as easy for employees to use, and Pleo holds a 4.7 rating across roughly 1,400 G2 reviews.
- Per-user list prices are published, starting at £8 per user per month.
- Native accounting integrations cover Xero, QuickBooks, NetSuite, FreeAgent, Xledger and Twinfield.
- SAML SSO is included even on the entry Start plan.
- The UK entity is authorised by the FCA, and cards are issued under a Mastercard licence.
Cons
- Build and Optimise are billed yearly and require at least three users.
- Transaction charges such as FX fees of up to 2 percent and per-payment fees add to the subscription cost.
- Live chat support is only included on Optimise, and Trustpilot reviewers complain about slow support.
- Some reviewers report weak coverage and support in the US.
- It is not an accounting system and has no general ledger, customer invoicing or payroll.
Not sold on either?
Frequently Asked Questions
Pleo scores higher on our Finance Software criteria: 6.8/10 against 5.5/10 for Holvi. The largest gap is in Integration: 3/10 for Holvi and 7/10 for Pleo.
Holvi has a free plan; Pleo does not list one.
Pleo is the better fit for enterprise: we rate it 4/10 for them, against 1/10 for Holvi.
