The business account for freelancers
The Holvi business account for people who run their business single-handed. Business and private funds stay separate. Your invoices go out and your bookkeeping is prepared. All from one account.
Since 2011 · Supervised by BaFin · English-language phone support
Business banking you can rely on
See exactly what’s left
Your income and outgoings at a glance.
- VAT: shows how much to set aside for the tax office, so there’s no surprise later.
- Profit: a clean overview of what’s left after your costs, with a view of the past months.
Your own German IBAN. Business kept clearly apart.
Every business payment sits separately from your private finances. So your accountant no longer has to ask.
- German IBAN – for a clean split
- Up to 15 IBANs on higher plans – for taxes and reserves
- Real-time transfers and standing orders – made quickly
- Store receipts in the app – attached right to the transaction
- Add other accounts – keep the full picture
Invoicing and e-invoicing, straight from your account
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Create invoices with Holvi
Create and send invoices in a few clicks (with Holvi Pro and higher). Incoming payments are matched to the invoices you’ve sent, so you can see at a glance what’s still open.
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Ready for mandatory e-invoicing
Receive, check, pay and legally archive incoming e-invoices with Holvi Lite and higher. Create, send and track them from Holvi Pro. In both German standard formats (ZUGFeRD and XRechnung).
Clean books, a happy accountant
The connection to your accountant runs in the background. Sorted data, receipts already attached to the payments and their own access to the account. DATEV, sevdesk, Lexware Office and many other tools seamlessly.
A flexible card for the business
Pay for business spending and save the receipt as you go.
The debit card comes in a physical or virtual format, with Apple Pay and Google Pay. Every payment shows up straight away.
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 quickly.
Your money, safeguarded
Holvi is supervised by BaFin and customer funds are held as safeguarded funds.
“Having a platform like Holvi can solve a lot of problems for an entrepreneur”
Filmmaker
Freelancer or something else?
Kleingewerbe
For a registered small trade, often under the small business regulation (Kleinunternehmerregelung).
Self-employed
For the self-employed with a trade licence.
GmbH / UG
For limited companies, from formation on. Also as a one-person company.
FAQs about the Holvi business account for freelancers
No. For freelancers (Freiberufler*innen) it isn’t a legal requirement (only limited companies such as a GmbH or UG must run a separate account). It still makes sense, though: a dedicated account that works out VAT and profit as you go keeps things clear, so you don’t spend money that isn’t actually yours.
In principle yes, but it rarely pays off. Business and private transactions get mixed together. At tax time that means sorting through countless bookings to prove to the tax office what was business. Many banks also don’t allow business use of a private current account and later ask you to switch. This means more effort than a tidy start.
A freelancer account should generally offer:
- a mobile app
- a VAT preview
- profit & loss preview
- receipts attached right to the payment
- invoices sent from the account
- a connection to accounting software or your accountant
- cards for business spending
With Holvi, all of it comes from a single account.
Holvi Flex, up to higher plans with more IBANs, cards and e-invoicing. Compare all plans on the pricing page.
Once you’ve opened online, your IBAN is usually ready to use straight away and the account is live. In some cases, activation takes a little longer. The card follows by post.
Usually an ID card or passport, plus your tax number or VAT ID. There’s a checklist for opening in our Help Centre.
No, opening a Holvi business account as an individual leaves your SCHUFA score untouched. A check only happens if you later apply for a Holvi credit card.