Banco Inter vs Holvi.
Banco Inter (B76/100) and Holvi (H55/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Banco Inter leads Holvi 8-1.
| B Banco Inter №16 · BACEN 76 /100 | H Holvi №61 · Holvi Payment Services Oy is authorised and regulated by the Finnish Financial Supervisory Authority 55 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 55 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | E-money inst. |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 2 countries |
| Crypto Coins available | 8 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 2.8 ★ 1k reviews | 4.0 ★ 1k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.3 ★ iOS 4.5 · And 4.2 |
| Read review → | Read review → | |
Pick Banco Inter if…
Brazilian full-bank digital pivot success story (since 2015). ~33M customers across Conta + Inter Invest + Inter Shop. Public on NASDAQ: INTR (formerly B3). Inter Shop (cashback marketplace) is a unique super-app feature in Brazilian neobanking.
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).
- Best for fees Banco Inter won 2 of 4
- Best for protection Banco Inter won 2 of 2
- Best for reach Banco Inter won 2 of 3
- Best for ux Tied
Banco Inter vs Holvi — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Holvi?
Under our v3 methodology, Banco Inter leads Holvi 8–1 across 12 dimensions. Composite scores: Banco Inter 76/100 vs Holvi 55/100. Banco Inter is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco Inter or Holvi cheaper?
Monthly fee — Banco Inter: €0; Holvi: €9. Card FX markup — Banco Inter: Interbank; Holvi: 1.00%. Banco Inter wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Banco Inter or Holvi?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. 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. Banco Inter is the stronger pick on regulatory protection.
Where can I use Banco Inter and Holvi?
Banco Inter operates in 2 countries; Holvi 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.