Business account for founders
From idea to day-to-day operations – a reliable business account for the self-employed and companies. Open in minutes.
Since 2011 · BaFin-regulated · English-language phone support
Business banking you can rely on
Who it’s for
First-time founding
The first step into self-employment. With an account that grows with you.
Start a business part-time
Start small alongside your employment. From €0 per month.
Founding as a team
Multiple founders, shared expenses, clear separation from the start.
Switch from a personal account
Keep business finances separate as soon as an idea starts generating revenue.
The right start for every legal form
Whether alone or in a team, every business formation leads to the right account here.
GmbH & UG
Deposit the share capital, open an account and get started. For new formations or existing companies.
GbR
Found a business together, run one account and keep expenses neatly separated from the start.
Solopreneur
From business registration to your first client. Open an account and get started right away.
Freelancers
For consulting, creative work, healthcare professions and more. An account that takes the work off your hands.
Small businesses
Start part-time or on a small scale, without double-entry bookkeeping.
Set up a company with our partner beglaubigt.de
beglaubigt.de helps with the company formation, the business account is provided by Holvi. This turns the idea into a company.
Articles of association, notarial certification and commercial register – digitally assisted. Deposit the share capital directly and receive the deposit confirmation immediately. From €99.
Articles of association and registration for the GbR – together and hassle-free.
Complete the business registration (Gewerbeanmeldung) online for solopreneurs and small businesses.
Everything founders need
Whether alone or in a team, every new business leads to the right account here.
Business account
Separate IBANs for taxes, projects and reserves. Real-time transfers included.
Corporate cards
Debit and virtual cards in every plan, physical or virtual. With Apple Pay and Google Pay.
Online bookkeeping
Prepare your books with Holvi or have it done completely.
Expenses under control
Receipt attached to each payment, per-card limits and every expense visible in real time.
E-invoices
Create, send and receive electronic invoices in the legally required format.
International transfers
Pay and invoice in different currencies, with USD and GBP accounts directly in Holvi.
„As a founder with a holding, I needed a business account that actually works the way I do. A free business account that’s fast to set up, fully digital and built for founders.”
Fideus GmbH
Start from €0/month
Holvi Flex is the business account with a €0/month base fee. Made for all legal forms. If the company grows, simply switch to Holvi Lite, Pro or Business.
The advantages: More cards, up to 15 IBANs, more free transactions, and much more.
Frequently asked questions about the Holvi business account for founders
A business account for founders separates business from personal finances and accompanies the company from the first euro to day-to-day operations. Holvi supports the following types of companies:
- Einzelunternehmen / Gewerbe (nicht eingetragen) (Sole proprietorship / unregistered trade)
- Eingetragener Kaufmann/Kauffrau (e.K.) (Registered merchant)
- Freiberufler (Liberal professionals / regulated professions)
- OHG – Offene Handelsgesellschaft (General partnership)
- KG – Kommanditgesellschaft (Limited partnership)
- GbR – Gesellschaft bürgerlichen Rechts (Civil law partnership)
- eGbR – Eingetragene Gesellschaft bürgerlichen Rechts (Registered civil law partnership)
- GmbH in Gründung (Vor-GmbH) (Limited liability company in formation)
- GmbH – Gesellschaft mit beschränkter Haftung (Limited liability company)
- GmbH & Co. KG – Gesellschaft mit beschränkter Haftung & Compagnie Kommanditgesellschaft (Limited liability company & limited partnership)
- UG in Gründung – Unternehmergesellschaft (haftungsbeschränkt) (Entrepreneurial company [limited liability] in formation)
- UG – Unternehmergesellschaft (haftungsbeschränkt) (Entrepreneurial company [limited liability])
- UG & Co. KG – Unternehmergesellschaft (haftungsbeschränkt) & Co. KG (limited liability company (UG) acting as the sole general partner of a limited partnership)
Yes. GmbHs and UGs in formation can open the account before the commercial register entry, deposit the share capital and use the confirmation for the notary and the registry court. More details are available in our Help Center How do I open a founder account?
There is no SCHUFA check when opening a Holvi business account.
Opening the account for formation takes a few minutes. After identity confirmation and verification of the company, the account can be used fully. This usually takes only a few working days.
Special case for GmbH/UG in formation: During the formation phase, only transactions related to the formation itself (e.g. depositing the share capital) are possible. Business transactions (e.g. revenues) are only possible once the formation phase has ended. How long it takes depends on the respective notary and the registry court. Typically, formation takes between 4 and 8 weeks.
Holvi Flex is available for €0/month, permanently and for any legal form. Holvi Lite, Pro and Business offer more features, transparently and without hidden costs. More info is available on our pricing page.
No, Holvi is not a bank but a licensed payment institution. In Austria, Holvi is supervised by the Financial Market Authority (FMA).
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.
Generally, a form of identification and the company details are required. For GmbH and UG, the formation documents are additionally required. Everything can be uploaded online. Our Help Center provides more information about the required documents: