Simplify expense management

Expenses add up, but don’t let them cost you time. Manage expenses and simplify bookkeeping, all in one place!

  • Save receipts digitally
  • Run income and expense reports
  • Check VAT balance
  • Connect account to lexoffice

‘I get a notification when I pay by card, then just follow the prompts to snap a photo of the receipt, choose an expense category and sort it for bookkeeping – that’s it! Now my accounting is so easy my accountant curses when he can’t charge more!’

Albert Virtanen, Marketing Consultant

Oh snap! Sort, save – expense management

  • Snap a photo of your receipt
  • Sort it into an expense category
  • Save a record for tax time

Simplify bookkeeping – smart expense reports

All payments in (from online invoicing) and out (from your Holvi Business Mastercard®) sync straight to your accounting reports – and you can download or export reports using Dropbox. For even smoother bookkeeping, grant your accountant direct access.

Claim back your VAT

Taxes keep you safe and sound, but there’s no sense paying more than you need. Real-time VAT balance calculates how much you owe – and what you can claim back.

Holvi dashboard – cash flow management

How much money is in your business account today? Tomorrow? Holvi dashboard keeps you in control. Our smart graph shows your real-time balance and finance forecast – so managing cash flow is easy. No more spreadsheets or asking the accountant.

  • Store receipts and assign to payments
  • Invite users, including your accountant
  • Create bookkeeping categories – or let your accountant do it
  • Connect your account to lexoffice
  • Export reports in PDF and DATEV
  • See your cash flow and finance forecast in Holvi dashboard

Open an account online –
as simple as 1, 2, Holvi

1. Hi, nice to meet you!

Share a few details and verify your identity with a quick video call.

2. So what do you do?

Add some company info to help us verify your business.

3. Let’s work together.

Choose your pricing plan. Start using Holvi and simplify your life.

Real-time insights

Get a 24/7 overview of your finances.

100% digital

Store receipts digitally for tax time.

Bank-level security

This means your funds are always protected.

Still curious?

Find answers to your questions in our Help Centre, or contact Holvi Support.

About us

We’ve lived and learned the entrepreneur life. Now we’re here to simplify yours.

How it works

Holvi is all you need – from business account, to online invoicing, to expense management.


Choose any date range on your Holvi reports. You can download them in XLS or PDF and send via email or Dropbox. Here are the reports we offer:

  • Income statement: Total income, expenses and their sum (net income).
  • Budget report: A breakdown of your income and expense categories, including their transactions and total amounts.
  • Invoicing report: A full list of your invoices, including issue date, due date, payment date and VAT.
  • Accounting journal: A list of every transaction in your account, including date, type, VAT%, category and other important information (accrual/cash based).
  • General ledger: A breakdown of your income and expense categories and transactions they contain, including date, type, VAT%, category and other important information (cash based).
  • VAT report (if your account is VAT liable): A list of transactions that include VAT, organised by their VAT% (cash based).

DATEV reports: Four export files developed according to DATEV’s interface. Your accountant can easily upload these into DATEV as an import file. Holvi offers two different reports, each in SKR03 and SKR04:

  • DATEV accounting reports contain the Holvi transactions including categorisation (e.g., according to SKR03 or 04) and VAT rate.
  • DATEV payment report contains only transactions. For more information, see our FAQ on DATEV reports.