A pioneer businesses still trust
Since 2011, Holvi has helped solopreneurs and growing businesses across Finland, Germany and Austria bank with confidence.
One of Europe’s first fintechs
Holvi started in Helsinki in 2011, among the first fintechs in Europe to build a digital business account for solopreneurs. As those early customers grew, Holvi grew alongside them, evolving step by step into a platform trusted by small and scaling businesses across three markets.
Recognized by the industry
The economy runs on small business
Small and growing businesses keep the economy moving, yet traditional banking was never built with them in mind. Holvi exists to change that, with tools made for how independent businesses actually work.
Operating since 2011
15+ years of experience serving small and scaling businesses.
Active in three markets
Finland, Germany and Austria, with support built for each.
Regulated and supervised
Licensed and supervised as a payment institution across markets: by Finland’s FIN-FSA, Germany’s BaFin, and Austria’s FMA.
Funds kept safe
Customer funds are safeguarded, held separately from Holvi’s own operating funds.
40,000+ businesses served
Trusted by more than 40,000 customers across Finland, Germany and Austria.
From solo founders to scaling teams
Holvi serves independent professionals, growing companies and everything in between, across Finland, Germany and Austria. Whatever stage a business is at, from the first invoice to a full finance team, it deserves banking that keeps pace.
More than a business account
A Holvi account brings everyday banking together with invoicing and expense tools, delivered with the same precision and care at every size. Explore the full product overview to see what’s included.
Built, owned, and run by our team
Holvi is made by the people who work here: 150+ team members across Finland, Germany and Austria, who also own the company they’re building together. Explore careers at Holvi to join them.
“We’re proud of what we’ve achieved, and of how successfully we’ve developed our offering to serve our customers even better. […] Our solid foundation and customer focus give us a good basis to continue on this path.”
Tuomas Toivonen, Founder of Holvi
Frequently asked questions
No, Holvi is not a bank but a licensed payment institution. In Germany, Holvi is supervised by the Federal Financial Supervisory Authority (BaFin).
Yes. As a payment institution, Holvi does not accept customer deposits. Instead, the funds held in Holvi Business Accounts are held and safeguarded as customer funds, separately from Holvi’s own funds.
You can find out more about how your funds are protected at Holvi in our Help Centre.
A payment institution is authorised to provide payment and account services but, unlike a bank, cannot accept deposits or offer lending in the same way. Funds held in Holvi business accounts are deposited with credit institutions in Europe, where they are covered by the European deposit insurance scheme. In the event of a failure of one of these credit institutions, up to €100,000 per customer and per bank would be covered by the deposit insurance.
Holvi was built specifically for independent businesses rather than adapted from consumer banking, with faster onboarding, modern tools, and support from a team that understands how small and scaling businesses actually work.