Home for your business finances

Banking, invoicing and bookkeeping – plus a new business credit card. All in one place, so you can focus on what matters. That’s work life simplified.

What is Holvi?

Mobile banking

A business account with German IBAN and up to 500 free transfers per month.

Pay worldwide

Pay conveniently with your Holvi Business Debit Card. Manage expenses in real time.

Invoice clients

Create and send invoices easily from your business account. Get notified the moment you’re paid.

Easy bookkeeping

Scan expense receipts on the go, add missing details and export your data – all set for tax time.

We 💛 small business

Holvi makes self-employment a little easier.
If you’re one of these business types, Holvi is for you.

Sole traders

Freelancers and (small) traders who are not in the commercial registry.

GmbH & UG

Solo self-employed people and small teams with their own GmbH or UG (Mini-GmbH).


You can use Holvi to invest startup capital and set up a GmbH or UG.

Smarter small business banking

See how much money is yours in real time

Imagine your business account always knows how much VAT you need to set aside for taxes, and what your balance will be in two weeks. With Holvi, you can manage cash flow in real time and see how finances are doing, at a glance.

  • VAT calculator: Shows how much you have to save for tax time
  • Real-time profit: Shows how much revenue is left after expenses
  • Balance forecast: Shows your upcoming balance based on scheduled transactions in and out – so you always stay ahead of the curve

Integrated online invoicing

Billing clients, so easy with Holvi

Send invoices and e-invoices to your customers directly from your business account. We’ll let you know when an invoice is paid and alert you of overdue invoices.

  • Create, send and track invoices online
  • Get notified the moment an invoice is paid
  • Inbound payments auto-match to invoices
  • Downloadable income reports

Bookkeeping & tax preparation

Prep for tax time effortlessly on the go

With Holvi, bookkeeping is so easy you won’t even know you’re doing it. We take the stress out of tax time.

  • Scan receipts in the Holvi mobile app
  • Categorise income and expenses, add VAT and notes
  • Download reports to simplify tax declarations via Elster
  • Or share bookkeeping data with your tax advisor online

Open an account online or in-app

Get up and running in just a few days.

1. Confirm your identity via video call

2. Fill in your company information

3. Choose your plan

Happy Holvi customers

A nutritionist shares her recipe for financial wellbeing

‘Holvi has been invaluable in helping me follow cash flow in an easy, visual way – in real time!

A kombucha startup owner finds balance in work life

‘Holvi got our business up and running smoothly – and it’s still making life easier every day.’

Albert loves marketing. But paperwork? Not so much.

‘I can manage most of my finances on the go from my phone. No need to put things off till I get home.’

Virtual cards are here!

Now you can create virtual debit cards for online purchases. With your own card number, for even more security and cost control.

Clear and simple pricing

Holvi Lite

€9 /month + VAT

Get control of your business finances. Manage payments and stay on top of the numbers.

  • Business banking
  • 1 Business Debit Card
  • 1 Virtual Card
  • Scan & store receipts
  • Real-time profit/loss*
  • Real-time VAT balance*
  • Apple Pay & Google PayTM

Holvi Pro

€15 /month + VAT

Simplify work life. Manage banking, expenses, invoicing and accounting – all in one account.

Everything in Holvi Lite plus:

  • 3 Business Debit Cards
  • Business Credit Card (apply now)
  • 1 Virtual Card
  • Unlimited invoicing & e-invoicing
  • Payment-to-invoice matching
  • Bookkeeping preparation
  • Export reports for tax filing
  • Accounting integrations – or invite your accountant
  • Cheaper ATM & FX fees

Holvi Pro+ Online sales

€18 /month + VAT

Master your finances and start selling online in minutes. Connect sales to bookkeeping and stay tax ready.

Everything in Holvi Pro plus:

  • Ready-to use sales platform
  • No coding needed, anyone can sell
  • Money from sales goes into your Holvi account
  • Holvi bookkeeping features to prep sales for tax time
  • Frictionless shopping experience for your customers
  • Custom URL under Holvi’s domain
  • Downloadable sales reports

*For an accurate estimation and/or proper accounting you need to add all your business transactions to Holvi.

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.