The only business account you’ll need
Handle payments, invoicing and cards in one online business account, with real-time VAT and everything in a single app. Spend less time on admin and more on building your business.
15+ years in business · FMA-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 IBANs to keep taxes, projects and business expenses apart.
See every euro in real time
Track income and spend as it happens, with a real-time VAT calculation, so tax time never catches you out.
Clean data for your tax advisor
Transactions and receipts are sorted and export-ready. Hand over clean data or give your tax advisor direct access. No manual files.
Cards for the whole team
Give each person a card with its own limit and keep spending under control.
Your business, your Austrian 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 updates in real time.
- Up to 15 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.
-
A card with a set limit for each of the crew, materials and fuel tracked in real time, and clean, export-ready data for your tax advisor.
-
Virtual cards for ad spend, software and subscriptions – created in seconds and controlled like every other card.
-
Pay suppliers in their own currency and reconcile every sale, without switching between apps.
-
Separate IBANs for projects and VAT, effortless invoicing, and receipts that sort themselves.
Clean books your tax advisor will thank you for
Every transaction and receipt is captured and sorted as you go. No exports to fix, no receipts to hunt down – the month-end close is faster and your tax advisor gets clean, export-ready 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. Create more virtual cards in seconds, set a limit for each team member, and pay with Apple Pay and Google Pay.
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 is supervised by FMA. Customer funds are held in accounts with credit institutions, separately from Holvi’s own funds.
Open your business account in 3 easy steps
This really couldn’t be any easier. 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 scanning your passport or ID card with AutoIdent.
A few company details and you’re set.
Frequently asked questions about the Holvi business account
Holvi isn’t a bank – it’s a licensed payment institution supervised by the FMA and authorised to operate across the European Economic Area. You get a full business account with an Austrian 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. Our verification partner AutoIdent accepts a range of ID cards and passports from different countries. A few IDs don’t carry the security features needed for verification, and driving licences, residence permits and temporary ID cards can’t be used. If yours isn’t accepted, our support team can help.
Holvi is built for the self-employed and small businesses in Austria – including sole proprietors (EPU), freelancers (Freiberufler*innen) and GmbHs.
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 a minimum of one virtual Holvi Business Debit Card. You can order more cards for your team and set a limit for each one.
Yes. Your transactions and receipts are export-ready (XLS/PDF). Holvi also connects with bookkeeping tools such as FreeFinance and ProSaldo.net.
No. You can only spend what’s in your account, so you can’t go overdrawn. Check your balance anytime in the Holvi app.
Your account is just the start. Streamline the rest.
Expense management
Give the team cards and say goodbye to reimbursements.
Online bookkeeping
Send clean data to your tax advisor in a few clicks.