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
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.
Choose your plan – Simplify work life
€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
€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
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
Secure login and online card payments with 2FA and Mastercard® Identity Check™.
Verify transactions using a combination of passwords, codes, and biometrics (e.g. fingerprint).
As a licenced payment institution, we follow the same strict security rules as a bank.