Finance · Finland (FI)
Holvi
Business account and invoicing for freelancers and small companies.
The switch
Mercury→Holvialso replaces Brex
About
Holvi combines a business account with invoicing and bookkeeping tools across several EU countries.
Why we recommend it
- Built for freelancers/SMBs
- EU IBAN
- Invoicing + bookkeeping built-in
EU vs USA
Holvi vs Mercury
Side-by-side on jurisdiction, data residency, and the rules that decide who can actually read your data.
Criteria
🇪🇺 Holvi
🇺🇸 Mercury
Headquarters
Helsinki
San Francisco, USA
Jurisdiction
Finland
USA
Data location
EU
US
GDPR-native
Yes
No
CLOUD Act / FISA exposed
No
Yes
Ad tracking
No
No
End-to-end encryption
No
No
Open source
No
No
Ownership
Private
Mercury Technologies
Founded
2011
2017
Compare head-to-head