The only business account you need
Handle payments, invoicing and bookkeeping prep in one online business account, with a German IBAN and real-time VAT. Spend less time on admin and more on building your business.
15+ years in business · BaFin-regulated · Human support you can reach
Business banking you can rely on
Everything in one place
Payments, invoicing, cards and bookkeeping prep in a single account, with separate German IBANs to keep taxes, projects and business expenses apart.
Follow every euro in real time
Track income and spending as it happens, with a real-time VAT preview – so tax time never catches you out.
Clean data for your accountant
Transactions and receipts export straight to DATEV, Lexware Office and sevDesk. No manual files.
Cards for the whole team
Give each person a physical or virtual card with its own limit, and keep spending under control.
Your business, your German IBAN
Open your account online and keep your finances in order from day one. Separate IBANs let you set money aside for VAT, projects or tax reserves. Everything is updated in real time.
- Up to 15 German IBANs
- Real-time SEPA transfers and standing orders
- International transfers in 18 currencies (SWIFT)
- Clear overview about current profit
Made for the way you work
Whatever your line of business, Holvi keeps your everyday finances simple.
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A card with a set limit for each of the crew. Materials and fuel tracked in real time, and clean, DATEV-ready data for your accountant.
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Virtual cards for ad spend, software and subscriptions – created in seconds and controlled like every other card.
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Pay suppliers in their own currency and reconcile every sale, without switching between apps.
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Separate IBANs for projects and VAT, effortless invoicing, and receipts that sort themselves.
Clean books your accountant will thank you for
Every transaction and receipt flows straight into your accounting tool. No exports to fix, no receipts to hunt down. Month-end closes faster and your accountant gets accurate data every time.
Pay and get paid in 18 currencies
Receive, hold and send money in 18 currencies, straight from Holvi. Pay an overseas supplier in their own currency without opening a second tool. Transparent pricing and no hidden fees.
Smart cards for you and your team
Every plan includes a minimum of one virtual Holvi Business Mastercard® debit card. Minimum one physical card included with Holvi Lite and above. Create more virtual cards in seconds, set a limit for each team member, and pay with Apple Pay and Google Pay. Business credit cards are available on application.
For GmbH & UG
Put spare cash to work
With Holvi, GmbHs and UGs can flexibly park capital, withdraw it quickly whenever needed and benefit from ongoing yields.
The best part: All it takes is your Holvi business account. No extra brokerage account, no additional app. All the necessary documents for your taxes are automatically provided at the end of the year.
Investment brokerage under the liability and for the account of lemon.markets brokerage GmbH, Kottbusser Damm 79, D-10967 Berlin.
“Holvi takes care of all the tasks involved in keeping a business running. Whether it’s invoicing or bookkeeping – now I can focus on my core responsibilities. I really appreciate Holvi for that.”
Founder of Sprogis Media UG
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.
Open your business account in 3 easy steps
Open your business account from wherever your work has taken you. With human support in English, if you need it.
Share a few personal details
By video call or electronic ID.
A few company details and you’re set.
Frequently asked questions about Holvi business account
Holvi isn’t a bank – it’s a licensed payment institution supervised by BaFin. You get a full business account with a German IBAN, cards and payments, plus invoicing and bookkeeping tools most traditional banks hardly offer. Your money is held as safeguarded, segregated funds, kept separate from Holvi’s own at all times.
Yes. Holvi is open to founders and business owners from outside Germany. You go through the same simple online process as anyone else:
- verify your identity,
- add your company details and
- you can manage everything from the Holvi app.
More information about who can open a Holvi account can be found in our Help Centre.
You can open a Holvi business account for these company types in Germany:
- Einzelunternehmen / Gewerbe (nicht eingetragen) – Sole proprietorship / unregistered trade
- Freiberufler – Freelancer
- e.K. (eingetragene Kauffrau/eingetragener Kaufmann) – registered merchant
- GbR (Gesellschaft bürgerlichen Rechts)
- eGbR – eingetragene Gesellschaft bürgerlichen Rechts
- OHG – Offene Handelsgesellschaft
- KG – Kommanditgesellschaft
- GmbH – limited liability company
- GmbH i.G. – GmbH in formation
- GmbH & Co. KG
- UG – Unternehmergesellschaft (limited liability)
- UG i.G. – Unternehmergesellschaft (limited liability) in formation
For further details, feel free to read our Help Centre article about the supported company types.
To open a Holvi business account, we will need:
- your name and place of residence
- company information (name, type, location)
- email address and phone number
More information can be found here.
You can apply in a matter of minutes. Verification and activation usually take 1-3 business days, and then your account is fully ready to go.
Every plan includes at least one free virtual card. A physical card is included in Holvi Lite, Pro and Business. You can also apply for the Holvi Business Credit Card for more headroom – up to €50,000.
Yes, Holvi connects to DATEV, so your data reaches your accountant cleanly. Also, you can connect Holvi to various bookkeeping tools, such as Lexware Office, sevDesk and BuchhaltungsButler.
Holvi does not offer overdrafts. This means you can not spend more than you have. You’ll need sufficient funds to make a purchase or send a payment. For more financial freedom you can apply for the Holvi Business Credit Card. A credit card with a credit line of up to €50,000 to spend as you like.
Yes, for GmbH and UG in formation. Deposit your share capital and receive a capital-deposit confirmation before your commercial-register extract is available.
Your account is just the start. Streamline the rest.
Team cards & expense management
Give the team cards and say goodbye to reimbursements.
Invoicing
Create and send invoices from your account. Know the moment you’re paid
Online bookkeeping
Send clean data to your accountant in a few clicks.