Keep control of every euro with a virtual card
Created in seconds – for subscriptions, software, ad accounts and your team. All in one business account, without ever exposing your main card.
Ready in seconds
Create a virtual card fully activated and ready to pay. No waiting for anything to arrive in the post.
Total
control
Lock, unlock or cancel any card in a tap. Set one up for a single payment and freeze it until the next.
Your main card stays protected
Each card has its own number and CVC. If one is ever compromised, cancel it. Your main card keeps working.
A card for every cost
Give each subscription, tool or ad account its own card, and see exactly where the money goes.
Fully digital, its own card number
What is a virtual card?
A virtual card is a Holvi Business Mastercard® that lives in your app, not your wallet. Each one has its own card number, CVC and expiry date, so you can pay online, in apps and in stores, while your main card details stay private. Create one for a single subscription, a project or a team member, and lock or cancel it the moment you no longer need it.
Tame your subscriptions and ad spend
Software licences, ad accounts, tools for the team – recurring spend adds up and becomes messy. Give each its own virtual card with its own limit, and every payment sorts itself.
Every payment is visible in real time and syncs clean to your accounting. When a tool is cancelled or a campaign ends, freeze the card in a tap.
Paying a US or UK vendor? Create a dedicated USD or GBP virtual card and spend straight from your USD or GBP account. See the rate before you convert, and switch to euros only when you choose.
Made for the way your business pays online
From ad accounts to international software, give every kind of online spend its own controlled card.
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A card per client, campaign or SaaS tool – including dedicated USD and GBP cards for US and UK software. Spin one up in seconds, set the limit, and keep ad and subscription spend clean and separate.
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A card for every channel. Ad platforms, marketplace fees and the SaaS that runs your shop. Set a limit per card, keep spend separate by platform, and freeze one the moment a campaign or tool ends.
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Book travel, tools and software on cards you control – while your main card details stay private.
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Pay online suppliers and portals without exposing your main card. Cancel and replace a single card in seconds if it’s ever compromised.
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A card for every cost centre and vendor. Real-time visibility and clean, exportable data for a faster month-end.
Apple Pay & Google Pay
Pay in stores, straight from your phone
Add your virtual card to Apple Pay or Google Pay™ and pay on the go – no physical card needed. Perfect while you wait for a physical card to arrive, and a handy backup that’s always in your pocket.
- Automatic sync to DATEV, sevdesk, Lexware Office and more
- Receipts matched to transactions
- Error-free, time-saving month-end
Get your virtual card today
Open a Holvi account and create your first virtual card in the app – nothing to wait for in the post, and no hidden fees.
- At least 1 free virtual debit card included in every plan
- Up to 20 virtual cards free of charge on Holvi Business
- Created instantly in the Holvi app
- Ready to use today – online, in apps and in stores
- Separate USD and GBP virtual cards for international suppliers
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
This needs copy. The practical questions a first-time self-employed account-opener asks, answered honestly before she has to ask.
Once you’ve created a virtual card, you’ll find the card details (card number, CVC and expiry date) in your Holvi app. You can use these card details to pay online and in apps. You can also add your virtual cards to Apple Pay and Google Pay to pay in stores with your mobile device.
A virtual debit card is included in all Holvi plans. Payments with virtual debit cards are debited directly from your business account, the same as your physical Holvi Business Debit Card.
If you have a Holvi Business Credit Card, a virtual credit card is also included in your credit plan. Payments with the virtual credit card are credited from your credit line, which you can repay flexibly.
Virtual cards come pre-activated so you can use them instantly. You can create a Holvi virtual card in seconds and start using it right away.
Virtual cards are just the start. Bring the rest of your spending together.
Expense management
Give the team cards and drop reimbursements for good.
Corporate Cards
Physical and virtual Business Mastercard® cards, all from one account
Online bookkeeping
Send clean, matched data to your accountant in just a few clicks.