Online business banking, no fuss

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

  • All-in-one account
  • Separate your finances
  • Open account – 100% online

‘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, Registered Dietitian

Unusually helpful business banking

Say bye to business as usual. Our business account offers tools to simplify your work life. Invoicing, expenses, and bookkeeping are now a smooth and stressless part of your day-to-day.

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, 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.

  • IBAN, just like a traditional business account
  • Unlimited transfers in the SEPA region
  • Add multiple users
  • Schedule payments and set up recurring payments
  • Download monthly statements with a tap
  • Lock and unlock card
  • Forgot PIN? See it in the Holvi mobile app
  • Card safety with Mastercard® Identity Check™ 3D Secure
  • Keep your account safe with 2-FA
  • Get cards for the whole team

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

1. Hi, nice to meet you!

Share a few details and verify your identity with your passport or national ID.

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 and simplify your work life.

Biometric login

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

Multi-Factor-Authentication

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 a full suite of tools – from business account, to invoicing, to bookkeeping.

FAQs

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 prepaid card that’s linked to your Holvi business account, so no need to manually load it. It works just like a debit card – 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. 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.