Open a business account for your GmbH or UG online

With Holvi, you can send regular and instant SEPA transfers across Europe, as well as international payments in 18 currencies — all directly from your Holvi account. You can also send and receive e-invoices, and pay with your Holvi Business Mastercard® online, in store, and through Apple Pay and Google Pay. 

Every Holvi business account comes with the Holvi Business Debit Mastercard®, and you can add virtual cards for online purchases and subscriptions. You can order cards for your whole team and set individual spending limits for each card. Eligible businesses can also apply for the Holvi Business Credit Card to cover short-term material costs. All cards work with Apple Pay and Google Pay.

(⚠️ Note: credit offers are based on individual credit assessment — keep the standard disclaimer if legal requires it.)

You can open a Holvi business account completely online in about 30 minutes — no branch visits or paperwork. You’ll need to verify your identity with your online banking credentials and provide some basic details about your company, such as your Business ID. We review your application and get back to you within 1–3 business days.

(⚠️ Verify: exact list of accepted ID methods and whether a Finnish Business ID is strictly required at application.)

The number of IBAN accounts depends on your plan: Holvi Lite includes 2 IBAN accounts, while Holvi Pro includes 5. You can add further accounts for €1 per month each, up to a maximum of 10 accounts per company. Many businesses use separate IBANs to set aside VAT, manage payroll, or track individual projects.

(⚠️ Verify current plan names and IBAN counts against live pricing at time of publishing.)

Holvi is not a traditional bank: it’s a licensed payment institution supervised by the Finnish Financial Supervisory Authority (FIN-FSA). Your money is held safely and kept separate from Holvi’s own funds at all times, in line with EU payment services regulation. In practice, you get a Finnish IBAN, payment cards, and everyday banking features, plus invoicing and bookkeeping tools that traditional banks don’t offer.

(⚠️ Legal must approve the exact regulatory and safeguarding wording — this framing is a draft.)

Yes, and you don’t have to switch overnight. You can open your Holvi account alongside your existing bank account and move payments, invoicing, and cards over at your own pace. You can even connect your other bank accounts to Holvi to see all your business finances in one view while you transition. There’s no cutover day and no downtime for your business.

Yes. Holvi connects directly to Netvisor and Procountor, so your transactions and receipt data flow straight into your bookkeeping software. Your accountant gets clean, ready-to-go data without manual exports or file transfers. If you’d rather outsource bookkeeping entirely, Holvi Zen and Zen+ plans include a professional accounting service.

You can invite your whole team to Holvi and give each person their own payment card and permission level. For example, you can give full account access for a co-founder, spending-only access for employees, or read-only access for your accountant. You set an individual limit for every card, and you see each purchase in real time. The number of cards included depends on your plan, and additional cards are available for a small monthly fee.

(⚠️ Verify: per-plan card counts and additional card pricing — currently €3/month per extra card.)

Yes. Eligible companies can apply for the Holvi Business Credit Card to cover short-term gaps in cash flow — for example, buying materials before a client invoice is paid. Credit decisions are based on an individual assessment of your business, so offers can’t be guaranteed.

Holvi is a fully digital service, so cash deposits aren’t supported directly. Businesses that handle cash typically deposit it through their existing bank or a cash handling service and transfer it to Holvi via a standard bank transfer, which arrives as an instant or same-day SEPA payment. All card payments, transfers, and online sales flow into your Holvi account as normal.

A corporate card lets you and your employees pay for business expenses directly – like the Holvi Business Mastercard® debit card, included in every plan.

Yes. Invite your team members to your business account, and once their profile is verified you can order a card in their name with its own spending limit.

Debit card payments come straight out of your business account, so you spend what’s available. The Holvi business credit card has its own limit of up to €50,000, which you repay at the end of the month.

Anywhere Mastercard® is accepted, worldwide. For car hire and hotel deposits, a credit card with its own limit usually works best.

Yes. Every Holvi card works with both, so you can leave the physical card at home.

Fees only apply to cash withdrawals and to transactions in foreign currencies outside the EU. Full details are in our price lists.

Yes. Both the debit cards and the credit card (up to €50,000) are available for GmbHs and UGs – open your GmbH business account and order your cards. The credit card is subject to application and creditworthiness.