GoMonio vs Holvi
Holvi is a business account with invoicing and bookkeeping services. GoMonio works with the bank you already have and adds cash flow forecasting and double-entry bookkeeping on every plan.
| Feature | GoMonio | Holvi |
|---|---|---|
| Cash flow | Included | Partly |
| Bookkeeping (Finland) | Included | Partly |
| Invoicing | Included | Partly |
| Documents | Included | Included |
| Team and agencies | Included | Not stated publicly |
Why choose GoMonio over Holvi
All of this is included in every GoMonio plan.
Cash flow planning built in
Bank sync and cash flow forecasts sit next to your books on every plan, so you see where your money is going, not just where it went.
One fixed monthly price
No per-voucher, per-invoice or per-bank-transaction fees, and no opening fee. Your bill stays the same however busy the month.
Simple by design
Process receipts and invoices one by one with the document always in view, and send entries for review before they're booked.
- 60-day money-back guarantee
- Every feature on every plan
- Built in Europe, GDPR compliant
Feature comparison
Every GoMonio plan includes every feature below. Here's how Holvi compares.
| Feature | GoMonio | Holvi |
|---|---|---|
| Cash flow | ||
| Automatic bank sync | Included | Partly Holvi's own business account only |
| Cash flow forecasts | Included | Not stated publicly |
| Accounts in multiple currencies | Included | Not stated publicly |
| Bookkeeping (Finland) | ||
| Double-entry bookkeeping | Included | Partly Zen+ plan, done by Holvi's accountant |
| Purchase invoices and receipts | Included | Included |
| VAT calculations and VAT return | Included | Partly With the Zen bookkeeping service |
| Income statement and balance sheet | Included | Partly With the Zen bookkeeping service |
| Invoicing | ||
| Sales invoicing | Included | Included |
| Payments matched from bank transactions | Included | Not stated publicly |
| Documents | ||
| Store receipts and attachments (PDF and images) | Included | Included |
| Team and agencies | ||
| Role-based access for your team | Included | Not stated publicly |
| Manage client companies from one account | Included | Not stated publicly |
Competitor information comes from their public websites. Last checked: October 2026.
Pricing
GoMonio
Free plan with 8 transactions a month. Business Basic €29/month (100 transactions a month) and Premium €49/month (unlimited transactions), less on yearly billing. Agency plans from €99/month. Core modules and 3 users on every plan, no transaction or opening fees, and a 60-day money-back guarantee on paid Business plans.
See all plansHolvi
Business account from €9/month (Lite, yearly billing). Bookkeeping service: Zen €79/month (single-entry) and Zen+ €99/month (double-entry, 30 vouchers a month, then €1 each). Prices excl. VAT.
Frequently asked questions
Is GoMonio a bank like Holvi?
No. Holvi is a business account with invoicing and optional bookkeeping services. GoMonio is financial software that connects to the bank accounts you already have through PSD2, so you can keep your current bank.
Who does the bookkeeping in GoMonio?
You or your accountant. Every GoMonio plan includes double-entry bookkeeping, VAT returns, an income statement and a balance sheet, in the same tool as your cash flow. In Holvi, bookkeeping is a service in the Zen (€79/month, single-entry) and Zen+ (€99/month, double-entry) plans.
Ready to try GoMonio?
Connect your bank and see your cash flow, books and invoices in one place. 60-day money-back guarantee.