More than just business banking
A German business account you can rely on and run entirely in English. Made for freelancers, founders and small businesses (SMEs) in Germany.
Trusted since 2011 · BaFin-regulated · English-speaking phone support
For founders
From share capital to your first invoice. All from one account.
Every company starts with the right business account.Share capital confirmation, a German IBAN and a formation service that guides you from GmbH/UG to trade registration. In English, clearly structured and fully digital.
For solo entrepreneurs
Invoice sent, receipt captured, books sorted.
Invoices in minutes, receipts captured as you pay, VAT and profit always in view. More time spent on the work that matters, less on admin.
For SMEs
Everyone who buys gets their own card, with a limit you set before they spend.
Company cards with limits, every payment in view and spending synced with your bookkeeping. One place for the money, whoever’s watching it. You don’t have to move everything: Holvi works alongside your existing bank.
Business banking you can rely on
One account for everything your business needs
Account and IBANs, team cards, invoices, receipts, bookkeeping and financing all in one place. Instead of four tools that don’t talk to each other. The admin that comes with running a German business gets handled instead of piling up. And your accountant gets clean data without anyone having to export a thing.
German business account & IBAN
A German business account with up to 15 IBANs. For projects, reserves and a clean split of expenses.
Corporate cards
Physical and virtual cards for your team, with individual limits per card.
Business credit card
A credit line up to €50,000. Bridge a short cash-flow gap with ease.
International transfers
Send and receive payments in 18 currencies. No third-party detour.
Invoicing & e-invoicing
Invoices and e-invoices straight from your account, with incoming payments easy to match.
Bookkeeping & exports
Capture receipts and keep categories and expenses in order. DATEV-ready exports for your Steuerberater.
Expense management for your team
Assign cards, limits and roles. Keep every movement in view.
Investments
Put surplus capital to work and keep it available. GmbH and UG only.
integrations
Connected to your bookkeeping
Connect 10+ bookkeeping tools so your exports land where they should. Data is automatically transferred, with less to enter by hand. Your other business accounts can be connected too.
Just call us, in English. Our team is there for you.
English-speaking phone support, Monday to Friday. Our team can help you withquestions about your account, your cards or your bookkeeping. So you can get back to running the business.
Real people, real solutions.
“I’ve been a customer with our GmbH for four years. Holvi has grown with us, service-minded all the way.”
“I have a business account with Holvi and with Germany’s biggest bank. Holvi is ahead on price, app, features and customer support.”
“Keeping private and business spending apart is far easier now. It saves time and cuts mistakes.”
“Being able to match receipts to payments straight away is brilliant. Everything’s in one place. The mobile app is great for scanning receipts on the go.”
“Holvi is really practical, with lots of integrations and the design is simply great. Work is easy to split across the team and account access is secure to manage.”
No more chasing my accountant. No more year-end chaos. It just runs.
Clear, predictable pricing.
Free to open, fair terms and flexible plans built for growing businesses. From Holvi Flex at €0/month to Holvi Business for GmbHs and UGs with a team.
