Business banking for the self-employed

One card, one account – everything you need to run your business.

  • All-in-one account
  • Separate your finances
  • Open account – 100% online
  • Keep up to date with Holvi dashboard

‘Having a separate business account makes life simpler – and so does the Holvi Business Mastercard. Now I don’t need to sift through my personal records to find business expenses. Everything is there in plain sight.’

Leena Putkonen, Nutritional Therapist

Bye-bye, traditional banking

Our digital business account offers much more than any traditional bank. Invoices, expenses and bookkeeping become a smooth and stressless part of your day to day. But our account features are impressive, too. With unlimited free SEPA transfers and your free card, you can easily manage business transactions.

Holvi Business Mastercard® – stay tax ready

Holvi Business Mastercard® connects expenses to bookkeeping. With each purchase, you’ll get a notification nudging you to snap a photo of your receipt. Holvi then sorts and saves it for tax time.

See real-time cash flow and look into the future

Our dashboard keeps you in control. A smart graph shows your real-time balance and a finance forecast – so you always know how your business is doing. No more asking the accountant.

Work seamlessly across devices – connect anywhere

Your business stays with you every moment of every day, so our app works across devices. That means mobile, tablet, laptop or desktop – wherever you work, we’re with you.

  • Digital company account
  • Unlimited transfers in the SEPA region
  • Add as many users as you want
  • Schedule payments and set up recurring payments
  • Download financial statements with just a few taps
  • Lock and unlock your card online
  • Forgot PIN? See it in the Holvi mobile app
  • Card safety with Mastercard® Identity Check™ 3D Secure
  • Keep your account safe with two-factor authentication (2-FA)
  • Order additional cards for your whole team

Open an account online –
as easy as 1, 2, Holvi

1. Hi, nice to meet you!

Share a few details and verify your identity with a quick video call.

2. So what do you do?

Add some company info to help us verify your business.

3. Let’s work together.

Choose your pricing plan. Start using Holvi to simplify work life.

Biometric login

Fingerprint or Face ID login keeps access to your Holvi account safe and simple.


From 2-FA to 3D Secure, we use the latest SCA tech to protect your TLS-encrypted account.

Bank-level security

Your money is safe with us. Bank-level security means your funds are always protected.

Still curious?

Find answers to your questions in our Help Centre, or contact Holvi Support.

About us

We’ve lived and learned the entrepreneur life. Now we’re here to simplify yours.

How it works

Holvi is all you need – from business account, to online invoicing, to online bookkeeping.


Holvi is online business banking for the self-employed. As a licensed payment institution, Holvi does not offer overdrafts or other forms of lending or loans.

This means you can never spend more than you have. You’ll need sufficient funds to make a purchase or send a payment. Check your balance quickly in the Holvi app, and scan your finance forecast in Holvi dashboard.

Your Holvi Business Mastercard® is a debit card that’s linked to your Holvi business account, so no need to manually load it. As income flows in, your balance grows and you can use your card to pay expenses. Having everything in one place keeps life simple.

You can receive money via SEPA transfer in euros. Connect your account to payment terminals like SumUp to accept card payments.

Yes. Our partner IDnow carries out the identity check. They accept ID cards and passports from other countries. However, not all ID cards and passports have the necessary security features. If you’re concerned about whether your ID will be accepted, please contact our support team. Driver’s licenses, residence permits or provisional ID cards are unfortunately not suitable for the identity check.