About us

Founded in 2011 and based in Helsinki, Finland, Holvi is the world’s premier digital banking service for freelancers and entrepreneurs. Combining powerful money management tools with an easy-to-use business account, Holvi offers an innovative banking experience that actually helps you run your business.

Holvi was built by entrepreneurs who understand the unique challenges of starting a small business. Using the latest innovations in financial technology (FinTech), Holvi has created an all-in-one banking service that streamlines the most complicated and time-consuming financial processes. It’s digital banking that gives entrepreneurs back their time.

Our story

We are entrepreneurs, first and foremost. We understand what it takes to turn a passion into a business – that’s why we’re so dedicated to helping you grow yours.

We have Nordic roots, but we’re a global community of over 140 team members representing 30 different nationalities, with offices in Helsinki, Berlin and Madrid. In addition to creating one of the world’s most innovative digital financial services, we’re also part-time bloggers, designers, developers, photographers and musicians. We’re driven by unique ideas and experiences, and every day we’re working hard to make life easier for our customers.

Holvi is banking for Makers and Doers

Holvi is a financial service that operates with its own license as a payment institution. The Finnish Financial Supervisory Authority (FIN-FSA) authorises us to operate in within the European Economic Area (EEA).

Work at Holvi

Do the work that matters to you.
Join us on our mission to creating a better banking experience for Makers and Doers.


Antti-Jussi Suominen


Holvi CEO Antti-Jussi Suominen is a senior executive with a proven track record in driving new business growth for B2B and B2C companies, including Sonera, Nokia and Elisa. He has extensive general management experience building and running new businesses and has facilitated innovation in the mobile and online services domains in both corporate and startup environments. Antti-Jussi’s background in a range of diverse industries (most recently in online gaming and mobile commerce) plays an essential role in accelerating Holvi’s transition from a fast-growing fintech company to an even more customer-centric online service.

Tuomas Toivonen


Holvi was concepted and co-founded by passionate entrepreneur and visionary technologist Tuomas Toivonen. Tuomas has founded multiple payment and technology companies, including Fishpool, a software consultancy, and Scred, a peer-to-peer money platform. Having consulted governments and mobile operators worldwide on payment infrastructure for over 15 years, he decided to build a radically improved business banking solution from the ground up. Holvi was born out of his own desire to have simple and efficient tools to manage the finances of his own companies. Known for his expertise in financial technology and EU regulation, Tuomas is a respected keynote speaker and an opinion leader on the future of finance.

The Holvi blog

Check out our blog for the latest tips, tricks and expert advice in business and entrepreneurship –
just for small business owners like you.