Holvi vs Tiime: Complete Comparison (2026)

Why choose Holvi

Our data shows no clear advantage over Tiime.

Why choose Tiime

• Lower estimated cost for 10 users: Free vs €9/mo
• Higher Integration score (5/10 vs 3/10)
• Higher Support score (7/10 vs 5/10)

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.

Tiime

Pros

• Invoicing is free on every tier, with no limit on the number of quotes and invoices, plus e-invoicing through Tiime's registered platform.
• The business's accountant can see its data for free, and around 2,000 accounting firms are reported as partners.
• Bank sync categorises transactions automatically, and receipts can be captured by phone, which cuts pre-accounting work.
• Paid plans come with a 60-day trial, and the entry plan costs 9.99 euros a month.
• Users rate it highly, with about 4.8 out of 5 on Google and Trustpilot.

Cons

• Tiime only does pre-accounting. The full ledger and the tax return package are left to an accountant using Tiime's separate production tool.
• The business account cannot send transfers outside the euro zone and offers no overdraft.
• Reviewers say modules cannot be bought on their own, and the free plan is fairly limited for running a business.
• Users have reported occasional bugs, including after one update on Mac.
• It is aimed at the French market and at companies with up to 20 employees. Larger firms must request a quote.