Banking for expats
Your business account in Germany

Bookkeeping, invoicing and smart payment cards. Banking tools made in Germany – designed to simplify your work life.

Business banking available in English

See your real-time cash flow in the Holvi app

With Holvi, you can manage your cash flow in real time and see how your 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

Accounting Germany

Stress-free German tax returns, almost

No more time-consuming receipt sorting and reconciliation at the end of each month. Bookkeeping with Holvi is so easy you won’t even know you’re doing it.

1. Scan & save receipts
2. Add VAT with a few clicks
3. Categorise transactions

Download bookkeeping details and attachments anytime, or invite your accountant directly to your Holvi account.

Starting a GmbH or UG in Germany?

Everything you need to start your business

Did you know? Holvi has a founder account designed for limited companies in formation.

  • Open your business account completely online
  • An account for your share capital
  • Company formation in just 4-5 days
  • Get started for €9 per month
  • No minimum commitment

Choose your plan – Simplify work life

Holvi Lite

€9 /month + VAT

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

  • Business banking
  • Business debit card
  • Scan & store receipts
  • Real-time profit/loss
  • Real-time VAT balance

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)
  • Unlimited invoicing & e-invoicing
  • Payment-to-invoice matching
  • Bookkeeping preparation
  • Export reports for tax filing
  • Accounting integrations – or invite your accountant
  • Cheaper ATM & instant top-up 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

Your new work life is waiting

Focus on your business and take care of banking, invoicing and bookkeeping easily. 
All in one app – available in English.

Stay up-to-date with the German business world

Starting a business online – how to set up a limited company online.

Since August 1, 2022, it is possible to set up a GmbH or UG completely online!

An expat’s guide to a business account – 5 reasons to open a Geschäftskonto (2023)

So you moved to Germany and started your new expat life. The question is: should you open a separate business account?

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.