For those who are the whole business
German business account for solo entrepreneurs
Invoicing, receipt management and real-time VAT tracking in one place—with seamless tax advisor handovers. Fully compatible with incoming e-invoice rules today and prepared for the 2028 mandate.
Since 2011 · BaFin-regulated · English-language phone support
Business banking you can rely on
Built for one-person businesses
It’s just you and the business. Consultants, designers, developers, therapists and coaches. Electricians, transport, repair, cleaning and field services. Whether you keep the books yourself or hand them to an accountant, Holvi keeps the daily admin off your plate, so you can get on with the work.
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Send the invoice, see the money in
Create and send professional invoices straight from your account, including the e-invoices (ZUGFeRD and XRechnung) every German business now has to handle. No second tool needed. See your balance forecast at a glance.
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Pay anywhere, anytime
Pay worldwide with the Holvi Business Mastercard. Physical and virtual cards available with individual limits per card. Lock and unlock in the app at any time.
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Bookkeeping runs in the background
Photograph and upload receipt: Holvi automatically assigns an accounting category and VAT rate. The tax is already determined before the preliminary VAT return (USt‑VA).
Built for your accountant’s software
Connect Holvi to DATEV, Lexware Office, sevdesk, etc. The data then goes straight to the tool your accountant already works in. No exporting files by hand, no spreadsheets, no emails. DATEV integration is available in all plans for €3/month and included in Holvi Business.
HOW IT WORKS
Open your account in three steps
Quick and fully online. Start from wherever you are.
Verify your identity online and set up your login. No branch visit needed.
Tell us about you and your business. Then, choose your plan.
Once verified, your account is immediately active and ready to use.
Clear, predictable pricing.
Free to open, fair terms and flexible plans built for growing businesses. From Holvi Flex at €0/month to Holvi Business for GmbHs and UGs with a team.
Secure by default.
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 in a tap
Block a card instantly from the app and unblock it just as quickly.
Your money, safeguarded
Holvi is supervised by BaFin and customer funds are held as safeguarded funds.
Real people, real solutions.
“If you want to save time and a fuss-free way to bank, you’re in the right place. They’re always a step ahead of the others – remarkable. Support is fast whenever you need it. It all just fits — I’m very happy.”
“Banking the way it should be. A clear overview of the banking side, and all the key functions link up fast. The reports and exports are spot on. Quick transactions, and the reports go straight to my accountant.”
“For years, Holvi has been a trusted partner in my business. By now it’s indispensable. It’s become my main bank for everything, and moving money in real time gives me real standing with the people I work with.”
Taken on your first employee?
When someone else starts spending for the business, it's not just you any more. Give your team their own cards and shared visibility
Paying in foreign currencies?
Transfer money in up to 18 currencies. Pay from USD and GBP virtual cards and convert to euros only when you choose.
Thinking about a GmbH or UG?
Form your company online from €99 and open the account alongside it.
Frequently asked questions about the Holvi account for the self-employed
As a solo entrepreneur, you’re not legally required to keep a separate account, but splitting business and private money makes VAT, bookkeeping and your tax return far simpler. Holvi gives you a dedicated business account with your own German IBAN and the integrated tools to run your business finances.
Plans start at €0 a month with Holvi Flex and you can see exactly what each plan includes before you open an account. See full pricing list.
You will need to show us proof of identity and give some basic details about you and your business. You verify your identity online, no branch visit needed. More information can be found in our Help Centre.
Since 1 January 2025, every business in Germany must be able to receive e-invoices. Issuing becomes mandatory for everyone by 2028. Holvi creates and sends e-invoices in ZUGFeRD and XRechnung format and lets you receive and pay incoming e-invoices in the same place. Creating and sending e-invoices is on the Holvi Pro plan.
Yes. Holvi keeps your bookkeeping ready as you work and exports straight to DATEV, Lexware Office, sevdesk and more, so your accountant gets what they need. This will save you and your accountant precious time.
Holvi shows a real-time VAT balance, so you can see your position before the advance VAT return (USt-VA) is due rather than reconstructing it afterwards. This is available on the Holvi Pro plan.