A free business credit card for everyday’s costs.
Free to hold: €0 a month. GmbHs and UGs can get up to €50,000, once your account qualifies. Repay in full for 0% interest, or spread the cost over 1 or 12 months.
The Holvi Business credit card is issued once your account has an active history of at least six months, either with Holvi or an existing business account linked via Open Banking. Connecting an external account can improve your eligibility.
Business banking you can rely on
Cover costs before the cash lands
Stock, supplier bills, software subscriptions: pay now, repay when the money’s in. Up to €50,000 for GmbHs and UGs, once your account qualifies.
Free to hold, flexible to repay
€0 a month to hold the card. Pay in full by month-end for 0% interest, or spread it over 1 or 12 months at 18% p.a.
Credit cards for the team
Give each team member their own physical or virtual card with its own limit, blocked or unblocked in a tap. From €2 a month per card.
Books that keep themselves clean
Every card payment syncs to DATEV, sevdesk or Lexware Office, so month-end takes less time.
Stay liquid while the business grows
Stock, supplier invoices, a bigger project — the moments that move a business forward rarely line up with the money coming in. The Holvi Business Credit Card bridges the gap.
- Up to €50,000 for GmbHs and UGs
- Physical and virtual credit cards, available on application
- Every payment visible in real time in the Holvi app
Built for businesses that spend before they get paid
When the outgoings land before the income does, the right headroom keeps the work moving. With every payment tracked and the books kept clean.
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Materials, fuel and site supplies for the next job, covered before the client pays. Headroom when a project starts, not when the invoice finally clears.
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Bridge the upfront costs of a project: staff, tools, deposits, etc. until the milestone or final invoice is paid.
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Buy stock and pay suppliers, at home or abroad, ahead of the sales that follow. Keep the shelves full without tying up cash.
Repay in a way that fits the month
Two ways to pay it back, both set up in the app. Clear short-term costs quickly, or spread a larger investment over the year. No monthly card fee either way.
- Repayment in 1 month: Ideal for short-term expenses (e.g. software, goods or travel costs).
- Repayment spread over 12 months: Convenient instalment payments for larger purchases and ongoing projects.
Note: Pay in full by month-end and no interest applies, provided you settle the balance of your account yourself by then.
See what repayment looks like, before you apply
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Secure by default.
For over 15 years, businesses have trusted Holvi to keep their money safe.
3D Secure on every online payment
Extra protection built into every card.
Lock and unlock in a tap
Block a card instantly from the app and unblock it just as fast.
Your money, safeguarded
Holvi is supervised by BaFin and customer funds are held as safeguarded funds.
Frequently asked questions
The Holvi Business Credit Card is available for GmbHs and UGs with a limit of up to €50,000. The card is issued after six months of account use, either with Holvi or an existing business account linked securely in the Holvi app.
Yes. Solopreneurs (Einzelunternehmen and Freelancer*innen) can get a credit line of up to €5,000 to bridge the gap until money comes in. The higher limit of up to €50,000 is exclusive for GmbHs and UGs.
The Holvi Business Credit Card can be ordered for any plan without restriction. Once we have confirmed your credit card order, you can activate the card straight away in the app.
The credit card is billed monthly. Two different repayment options are offered by Holvi:
- Repayment in 1 month
- Repayment in 12 months
The instalment for both models is either taken from your linked Holvi account or paid by you in the app.
If you pay in full by month-end, no interest applies, provided you settle the balance of your account yourself by then.
The card is free to hold: €0 a month, with no monthly card fee. Repay the balance in full each month and no interest applies either. Interest of 18% p.a. only applies if a balance is spread over 1 or 12 months.
The following interests and fees apply:
- €0 a month for the card
- 0% interest if the balance is repaid in full each month
- 18% p.a. on the 1-month or 12-month repayment model
Yes. As a full Mastercard®, the card works worldwide, in-store and online. An additional fee between 1% and 2.5% per payment will accrue, depending on the Holvi plan.
No, cash withdrawals and direct transfers from the credit account (as of 10/2026) are currently not supported. The regular Holvi business account is there for both.
Yes, a creditworthiness check is carried out. This means that we look at the company’s financial situation to confirm its creditworthiness (ability to repay a loan).
This check helps us to tailor the offer and the credit limit to best suit the business. This ensures that everything remains secure and financially realistic. A prerequisite is that the company can demonstrate that it has been actively doing business for at least 6 months.
Credit is one piece. Simplify the rest of your finances.
Corporate cards
Debit and virtual cards for the whole team, included in every plan.
Expense management
Every team purchase captured automatically, no reimbursements
Online bookkeeping
Send clean data to your accountant in a click.