Open your business account online in minutes

Open a business account online – no paperwork needed. Separate business and personal finances, and track your VAT in real time.

  • Corporate account
  • Debit, credit and virtual cards
  • VAT calculator
  • Save receipts
  • 100% online
Home screen of Holvi account

Corporate Account

All-in-one business account

It all starts here. Business banking, invoicing, expense management and tax prep – all in one account.

  • 500 free SEPA transfers per month
  • Expense management and receipt storage
  • Add users and manage their access rights
  • Invite your accountant
  • Download reports & account statements

Debit, credit & virtual cards

Smart payment cards

Simplify your work life with Holvi’s Business Debit Card, Business Credit Card and virtual cards. 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
  • Apple Pay and Google Pay™️ – currently only available in Germany and Finland
Holvi's Business Debit Card and Credit Card
Holvi VAT calculator

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.


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

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 has you covered – from business account, to online invoicing, to online bookkeeping.

FAQs – Holvi business account

You can open your Holvi business account online in a matter of minutes. From our side, the verification and activation process of your account usually takes a couple of days. After that, your account is ready to go!

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 the following:

  • A free virtual card
  • A Holvi Business Debit Card

You can also apply for the Holvi Business Credit Card in Germany and Finland. This lets you cover short-term cash flow gaps and invest in your business.

Read more about our Holvi Payment Cards here.

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.

For more financial freedom you can apply for the Holvi Business Credit Card – currently only available in Germany and Finland.

We offer founders accounts in Germany for the company forms GmbH and UG. You can pay your share capital into this account before the commercial register extract is available. All other types of companies must be fully verified when opening an account.