Holvi vs Nomo.
Holvi (H55/100) and Nomo (N52/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Holvi leads Nomo 4-2.
| H Holvi №61 · Holvi Payment Services Oy is authorised and regulated by the Finnish Financial Supervisory Authority 55 /100 | N Nomo №68 · FCA 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 55 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €9 /mo | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. | Payment inst. FCA |
| Deposit guarantee Per depositor | Safeguarded No DGS | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.0 ★ 1k reviews | — |
| App store iOS + Android avg | 4.3 ★ iOS 4.5 · And 4.2 | 4.3 ★ iOS 4.4 · And 4.2 |
| Read review → | Read review → | |
Pick Holvi if…
The Finnish + German SMB neobank with the deepest tax-return-ready bookkeeping integration in the Nordic + DACH region. Procountor (FI Steuerberater equivalent) + DATEV / Lexoffice (DE Steuerberater standards) integration depth is the structural differentiator versus Qonto / Finom. EMI-licensed under FIN-FSA; one of the longest-operating EU SMB neobanks (founded 2011, briefly BBVA-owned 2016-2022, now independent).
Pick Nomo if…
Sharia-compliant digital bank — Boubyan Bank Kuwait digital arm via Bank of London + The Middle East (BLME, FCA-licensed). Cross-border GCC-UK money management. UK FSCS GBP 85K + Kuwait DPS via parent. Unique dual-passport structure.
- Best for fees Nomo won 1 of 4
- Best for protection Holvi won 1 of 2
- Best for reach Nomo won 1 of 3
- Best for ux Holvi won 2 of 2
Holvi vs Nomo — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Holvi better than Nomo?
Under our v3 methodology, Holvi leads Nomo 4–2 across 12 dimensions. Composite scores: Holvi 55/100 vs Nomo 52/100. Holvi is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Holvi or Nomo cheaper?
Monthly fee — Holvi: €9; Nomo: €0. Card FX markup — Holvi: 1.00%; Nomo: 1.00%. Nomo wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Holvi or Nomo?
Holvi holds a E-money inst. licence under Holvi Payment Services Oy is authorised and regulated by the Finnish Financial Supervisory Authority (FIN-FSA) as an Electronic Money Institution. Operating in Germany under EU PSD2 passporting. Customer funds are safeguarded under EMI rules — held in segregated accounts at credit institutions — and are NOT covered by the EU Deposit Guarantee Scheme (DGS, €100K ceiling) which applies to credit-institution licensees only. Holvi was acquired by BBVA in 2016 and operated as BBVA's Finnish SMB neobank arm until 2022, when it was sold back to independent ownership. Verified 2026-05.; deposit guarantee per depositor: Safeguarded. Nomo holds a Payment inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Holvi is the stronger pick on regulatory protection.
Where can I use Holvi and Nomo?
Holvi operates in 2 countries; Nomo operates in 2 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.