Banking for expats
Business banking 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 Flex
0 €
0 €
/monthThe business account with essential payment features. Pay only for what you need and stay flexible.
Holvi Lite
9 € 4,5 €
9 €
/month + VATEverything from Holvi Flex, plus more IBANs, more cards, transactions and expense management.
Holvi Pro
15 € 9 €
15 €
/month + VATEverything from Holvi Lite, plus more payment cards, e-invoicing and advanced accounting features.
Holvi Pro+
18 € 15 €
18 €
/month + VATGenerate more revenue. Everything from Holvi Pro, plus a seamlessly integrated sales platform.
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.