BUSINESS ACCOUNT FOR SMES
One account, cards for your team, full overview
For small and medium businesses with several team members. A card with its own limit for each person, receipts attached right to the transaction and bookkeeping that sorts itself.
In business since 2011 · Supervised by BaFin · English-language phone support
Business banking you can rely on
Who is this account for?
For businesses with around 2 to 20 people, mostly GmbHs or UGs, where several people buy for the company. The books are kept by a tax advisor, usually with DATEV.
What’s included?
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An account and cards for everyone
Everyone gets their own card with their own limit. 15 German IBANs keep projects, reserves and tax money cleanly separated.
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Clean data for your tax advisor
Your bookkeeping reaches the tax office automatically and already prepared. Receipts are included, tagged with the right VAT rate, cost centres and chart of accounts. DATEV connection included.
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Send invoices, e-invoice included
Invoices are created straight in the account and sent in seconds. E-invoices in the legal format can be created and received without any hassle.
DATEV connection, already included
Most banks charge extra for a connection to your bookkeeping. With Holvi Business, the DATEV connection is included. Payment and transaction data go straight to the tax office.
Use Holvi alongside your main bank
Holvi works as an addition to your main bank. External bank accounts can be connected, so all your transactions come together in one place. Switching your main account later is always possible.
Put idle cash to work
Between two projects, money often sits in the account. GmbHs and UGs can invest capital straight from the Holvi business account. No separate securities account, no extra app.
The investment is made through a money market fund. Investing involves risks to the capital invested. The value can therefore rise or fall. Past performance is not a reliable indicator of future performance.
What our customers say
„I have a business account with both Holvi and Germany’s largest bank. Holvi comes out ahead on price, app, features and customer support — all at a fixed monthly price.”
„Holvi has become my full main bank, and I handle all my banking with Holvi.”
“What I like best are the sub-accounts and how much runs automatically. And that the data goes to DATEV automatically.”
“The mix of business account and bookkeeping is convincing. Invoices are created straight from the account — with automatic matching of payments and VAT.”
“The combination of mobile app and desktop version is fast and flawless. Opening the account was smooth and quick.”
One fixed price for SMEs
Holvi Business costs €59 per month (plus VAT)*. Included are 5 physical and 20 virtual cards, 15 German IBANs, unlimited SEPA transfers and the DATEV connection.
*On a 12-month term, billed monthly. Without a contract, €69 per month (plus VAT).
Secure from day one
For over 15 years, businesses have trusted Holvi to keep their money safe.
3D Secure on every online payment
Extra protection, built into every card.
Lock and unlock with one tap
A card can be locked instantly in the app and unlocked just asquickly.
Money that’s protected
Holvi is supervised by BaFin. Customer funds are held in accounts at credit institutions and kept separate from Holvi’s own funds.
Frequently asked questions about the Holvi business account for SMEs
For small and medium businesses (SMEs), Holvi Business costs €69 (plus VAT) per month, or €59 (plus VAT) per month on an annual contract. It includes company cards with individual limits, 15 German IBANs, unlimited SEPA transfers and the DATEV connection. See the pricing overview
The Holvi business account for SMEs is designed for businesses with 2 to around 20 people. It’s especially suited to GmbHs or UGs where several people buy for the company. The focus is on teams that need company cards with limits, shared bookkeeping and access for their tax advisor. For solo businesses, there’s the business account for the self-employed.
Holvi Business is built for SMEs: company cards with their own limits, an included bookkeeping connection like DATEV, and several IBANs for projects and reserves. See the pricing overview for a direct plan comparison.
Yes. The DATEV connection runs over a secure EBICS connection and is included with Holvi Business. On all other Holvi plans it costs €3 per month. Account transactions are transferred to your tax advisor automatically — no PDFs or spreadsheets needed, as everything flows across on its own. Setup is explained in the articles FAQ – DATEV connection and How to connect DATEV with Holvi
Holvi Business includes 5 physical and 20 virtual cards, each with its own limit. Additional physical cards cost €3 per month, virtual cards €1 per month. New cards can be ordered by the person who created the account or by administrators. You can add an unlimited number of users with different roles. More under managing account users.
Your tax advisor gets their own access with defined rights. We recommend the Editor role: it allows viewing the data, without releasing transfers and without ordering cards. For the available roles and what each can do, see our Help Center article user roles and permissions.
Nein, bestehende Konten bei der Hausbank müssen nicht sofort gekündigt werden. Das Holvi Business Firmenkonto kann problemlos parallel als Zweit- oder Hauptkonto genutzt werden. Eine vollständige Umstellung zum Hauptkonto ist ebenso möglich.No. You don’t have to close your existing accounts at your main bank. The Holvi Business account works fine in parallel, as a second account or as your main one. A full switch to your main account is just as possible.Nein, bestehende Konten bei der Hausbank müssen nicht sofort gekündigt werden. Das Holvi Business Firmenkonto kann problemlos parallel als Zweit- oder Hauptkonto genutzt werden. Eine vollständige Umstellung zum Hauptkonto ist ebenso möglich.
No, Holvi is not a bank but a licensed payment institution. In Germany, Holvi is supervised by the Federal Financial Supervisory Authority (BaFin). As a payment institution, Holvi does not take deposits from customers. Instead, the money in your Holvi business account is held as customer funds, kept separate from Holvi’s own funds and safeguarded. For more on how Holvi protects your money, see our Help Center.
More than just an account
International payments:
Pay and get paid in 18 currencies, with a virtual USD or GBP card.
Starting a GmbH or UG
From share capital to day-to-day business in one account.
