Holvi – beyond digital banking

Holvi is the digital solution for the self-employed and freelancers. Everything you need for your finances – online, without the paperwork.

Manage all your business in one account

This is where your business comes together. Create invoices online, manage your expenses and save receipts for tax time. When you pay with the free Holvi Business Mastercard®, your Holvi account automatically syncs expenses with your accounting.

Invoices that get you paid, fast

From scratch to finish, Holvi streamlines every step of invoicing: create, send, track and store reports. Boost your brand with professional-looking invoices that get the job done.

Better bookkeeping, minus the effort

Automate everyday bookkeeping tasks to lighten the load. Save receipts, sort your income and expenses, add comments and see all your numbers – without ever opening a spreadsheet.

‘The better your tools, the easier you can handle business admin and scale. That’s why I use Holvi. Saving my brainpower for real work means my business is always moving forward.’

Krister Häll, Kombucha Brewer
Krister Häll founded his Kombucha Startup The Good Guys. He uses Holvi as a tool for managing his company finances.

Connect anywhere

Use Holvi seamlessly across devices – at home or on the go.

Get started for €9

Simple pricing with no minimum commitment – upgrade plans as you grow.

We speak small business

Our support team is made up of Makers and Doers.


Not exactly. Holvi is business banking for the self-employed and small businesses – but there are a few key differences between us and banks. Back in 2011, Holvi was authorised as a payment institution by the Financial Supervisory Authority of Finland (FIN-FSA). With this authorisation, we could spread our wings and help self-employed professionals across Europe. We’ve been doing that ever since, adapting our product to promote financial well-being in different markets and working under the relevant national authorities.

Yes. Holvi offers bank-level security. Holvi Payment Services Ltd is an Authorised Payment Institution regulated across the EEA by the Financial Supervisory Authority of Finland. All funds deposited by our customers are segregated from Holvi’s own and safeguarded in compliance with the relevant legislation (PSD2). This means that in the unlikely event of Holvi’s insolvency, customer funds would remain unaffected. Your money is safe and sound.