For those who are the whole business
The business account for the self-employed in Austria
Invoicing, receipts and real-time VAT view – all in one place with Austrian IBAN and cards. From €0/month.
Since 2011 · supervised by FMA · English-language phone support
New: Fewer hurdles with an Austrian IBAN
Until now the choice was simple but unfair: a modern neobank without an Austrian IBAN or a traditional bank with one, but often expensive.
With Holvi’s new AT-IBAN, direct debits, payroll and dealings with authorities run smoothly. For greater trust with business partners and magistrates.
Built for one-person businesses
It’s just you and the business. Consultants, designers, developers, therapists and coaches. Electricians, transport, repair, cleaning and field services. Holvi keeps the daily admin off your plate, so you can get on with the work.
A local Austrian IBAN, no bank price tag
Your account comes with a genuine Austrian IBAN. Traditional banks offer a local IBAN typically from €5 to €10 a month. With Holvi, it starts at €0 per month.
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Send the invoice, see the money in
Create and send professional invoices straight from your account. Every payment is matched to its invoice by the reference.
You will see what’s been paid, without having to use a second tool. See your balance forecast at a glance. -
Every cost caught as you pay for it
Pay with your Holvi Business Mastercard, snap the receipt, and you’re done. Holvi links it to the payment and keeps your VAT balance current, so nothing goes missing. Physical and virtual cards, a limit you set per card and lock or unlock in the app.
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Books ready as you work
Receipts, bookkeeping categories and VAT fall into order as you go, with a real-time VAT balance. So you know what you owe before the preliminary VAT return (UVA), not after (on Holvi Pro).
Transactions from outside Holvi, cash included, can be added by hand, so the picture is complete.
HOW IT WORKS
Open your account in three steps
Fast and fully online. Start from wherever you are.
Verify your identity online and set up your login. No branch visit needed.
Tell us about you and your business. Choose your plan and have your business documents to hand. We’ll tell you exactly which. You can also find a list in our Help Centre.
Once verified, your account is immediately active and ready to use.
Clear, predictable pricing.
Free to open, fair terms and flexible plans built for growing businesses. From Holvi Flex at €0/month to Holvi Business for GmbHs and UGs with a team.
Secure by default.
For over 15 years, businesses have trusted Holvi to keep their money safe.
3D Secure on every online payment
Two-factor protection built in, backed by Mastercard® Identity Check™.
Lock and unlock in a tap
Block a card instantly from the app, and switch cash withdrawals or online payments on and off.
Your money, safeguarded
Holvi Payment Services is supervised by the Austrian Financial Market Authority (FMA) as an Authorised Payment Institution.
Frequently asked questions about the Holvi account for the self-employed
If you’re self-employed, you’re not legally required to keep a separate account, but splitting business and private money makes VAT, bookkeeping and your tax return far simpler. Holvi gives you a dedicated business account with your own Austrian IBAN and the integrated tools to run your business finances.
Plans start at €0 a month with Holvi Flex and you can see exactly what each plan includes before you open an account. Please note: A €4.50 monthly inactivity fee will be charged on Holvi Flex, if no SEPA or card transactions are made for over 30 days. For new customers on all other plans, this fee only takes effect 12 months after opening an account.
You will need to show us proof of identity and give some basic details about you and your business. You verify your identity online, no branch visit needed. More information can be found in our Help Centre.
Yes, your Holvi account comes with a local Austrian IBAN.
Yes. Holvi keeps your bookkeeping ready as you work and exports straight to FreeFinance, ProSaldo.net and more, so your accountant gets what they need. This will save you and your accountant precious time.
Holvi shows a real-time VAT balance, so you can see your position before the preliminary VAT return (UVA) is due rather than reconstructing it afterwards. This is available on the Holvi Pro plan.
Holvi supports the following business types in Austria:
- Sole Proprietorship (not entered in the commercial register). Also known as “Einzelunternehmen” (nicht im Firmenbuch eingetragen) or „nicht protokolliertes Einzelunternehmen”.
- New Self-Employed: Also known as “Neue Selbstständige”.
- Freelancer / Liberal Profession: Also known as “Freiberufler*innen” (freie Berufe).
- Limited Liability Company (GmbH): Also known as “Gesellschaft mit beschränkter Haftung” (GmbH).
Taken on your first employee?
When someone else starts spending for the business, it’s not just you any more. Give your team their own cards and shared visibility
Paying in foreign currencies?
Transfer money in up to 18 currencies. Pay from USD and GBP virtual cards and convert to euros only when you choose.
