Open your online business account in minutes
Make and receive payments, create invoices, and scan receipts for your accounting – all in one app and in 18 different currencies.
- Payment accounts in 18 currencies
- Business Mastercard®
- Real-time VAT calculation
- Simplified accounting
- Open an account online
Your business, your IBAN
Open a Holvi business account and keep your business finances under control:
- Up to 15 German IBANs
- Accounts in 18 currencies
- Real-time transfers and standing orders
- International transfers (SWIFT)
- Financial insights and VAT preview
- Categorise payments
- Save receipts
- Add other users
- Access to tax advisors
Payment accounts in multiple currencies
Receive, hold, and send money in 18 currencies. Directly through Holvi, with no hidden fees.
- 18 currencies, one dashboard – Open new payment accounts in just a few clicks.
Send, hold and receive money – Pay suppliers, receive customer payments and hold balances in the original currency.
No other tools necessary – Everything runs through Holvi. No switching between tools.
Bookkeeping included – All transactions flow directly into your bookkeeping system.
Works just like your EUR account – Same account structure, same service.
Holvi Business Mastercard®
Smart payment cards
Simplify your work life with Holvi’s Business Debit Card and Virtual Debit Card. Pay worldwide – anywhere Mastercard® is accepted.
- Safe online payments with Mastercard® Identity Check™ 3D Secure & 2FA
- Real-time notifications keep you up to date
- Lock and unlock your cards any time
- View your PIN in your Holvi-App
- Order team cards
New: Additional accountsYour finances, organised
Create your own IBAN accounts for different projects, sources of income or VAT payments. With the help of additional accounts, you keep your finances even better under control.
Smart banking – see your VAT in real time
Holvi’s VAT calculator shows you how much you have to save for tax time. Manage your cash flow and stay in the know.
Expense management without the hassle
Save receipts, sort your income and expenses, add comments and see all your numbers – no spreadsheets needed.
Account security is our top priority
Biometric login
Secure login and online card payments with 2FA and Mastercard® Identity Check™.
Multi-Factor Authentication
Verify transactions using a combination of passwords, codes, and biometrics (e.g. fingerprint).
Bank-level security
As a licenced payment institution, we follow the same strict security rules as a bank.
Clear and simple pricing
Holvi Flex
0 €
0 €
/monthBilled monthly
Only available as a monthly plan
The business account with essential payment features. Pay only for what you need and stay flexible.
Holvi Lite
9 € 4,5 €
9 €
/month + VATBilled monthly
1 year subscription, monthly billing
Everything from Holvi Flex, plus more IBANs, more cards, transactions and expense management.
Holvi Pro
15 € 9 €
15 €
/month + VATBilled monthly
1 year subscription, monthly billing
Everything from Holvi Lite, plus more payment cards, e-invoicing and advanced accounting features.
Holvi Business
69 € 59 €
69 €
/month + VATBilled monthly
1 year subscription, monthly billing
For GmbHs and UGs with multiple employees, budgets and monthly financial tasks.
Open your business account in 3 easy steps
Open your business account from the comfort of your home. Holvi is 100% online.
1. Fill in your personal data
2. Verify your identity with a quick video call
3. Fill in your company info
Invoice your clients
Create and send invoices easily from your business account. Get notified the moment you get paid.
Online expense management
Store expense receipts and invoices right in your business account. Calm the chaos of managing expenses.
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.
FAQ – Holvi business account
You can receive money via SEPA transfer in euros. You can also send invoices and e-invoices from Holvi, and collect payments that way. Connect your account to payment terminals like SumUp to accept card payments.
All pricing plans include a Holvi Business Debit Card and a Holvi Virtual Debit Card.
When using a debit card your purchases are debited directly from your business account. This means you can only spend the money that you already have.
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. Check your balance quickly in the Holvi app, and scan your finance forecast in the Holvi dashboard.
To open a Holvi business account, you need:
- Name and address
- Name, industry and location of your company
- E-mail address and phone number
- A valid ID
- A Smartphone
- An estimation of your annual turnover
- Information about the ownership of your company
Here you can find Holvi’s step-by-step guide to verification
Yes. Our partners at IDNow accept a variety of ID cards and passports from different countries. However, not all ID cards/passports have the necessary security features. In this case, please contact our support team.
Unfortunately, driving licences, residence permits or temporary identity cards are not suitable for identity verification.