Your free Business Credit Card

With Holvi’s credit card for the self-employed, you can optimise your cash flow. €0 fees, 0% interest when repaid at the end of the month!

Open account

New customers can apply for a Holvi credit card at the earliest 3 months after opening a Holvi business account.

Holvi Business Credit Card

More flexibility for your business expenses

Simply pay by credit card and pay back at the end of the month – or choose a repayment option. Your cash flow will thank you.

Business credit card – with credit line up to €5,000
Pay worldwide – wherever Mastercard® is accepted
Highest level of acceptance – for SaaS subscriptions, car rentals and hotel bookings
Secure online payments – backed by Mastercard® 3D-Secure and Holvi’s bank-level security

Open account

Upcoming and past transactions shown in the Holvi app

€0 fees, 0% interest.

Repayment at the end of the month. The cheapest option for the Holvi Business Credit Card.

Up to €5000 credit limit – for your business expenses.
€0 monthly fee – no hidden costs.
0% interest – repayment at the end of the month.
Optional payment deferral: repayment 1 month later at a fair interest rate of 16%.

Open account

Credit card for your business

The credit card made for small businesses and the self-employed.

Affordable

€0 fees, 0% interest when repaid at the end of the month.

Monthly billing

You’ll get a monthly credit card statement with your repayment amount and any interest.

Highest security

Biometric login and bank-level security.

As requested: even more financial flexibility.

For larger purchases, choose one of the installment payment options from 3 to 12 months. Predictable costs, clear repayment structure.

Repay in 3 instalments

€3 per month card fee*

Pay back this month’s expenses in 3 monthly instalments starting next month
Or you can pay back in this month – interest-free

16% interest rate
Credit limit of up to €5,000
Virtual and physical card included

Open account

Repay in 6 instalments

€6 per month card fee*

Pay back this month’s expenses in 6 monthly instalments starting next month
Or you can pay back in this month – interest-free

16% interest rate
Credit limit of up to €5,000
Virtual and physical card included

Open account

Repay in 12 instalments

€12 per month card fee*

Pay back this month’s expenses in 12 monthly installments starting next month
Or you can pay back in this month – interest-free

16% interest rate
Credit limit of up to €5,000
Virtual and physical card included

Open account

* Only available on our Holvi Pro pricing plan. Credit card fees are billed separately, in addition to the cost of Holvi Pro. New customers can apply for a Holvi credit card at the earliest 3 months after opening a Holvi business account.

When is it worth paying in installments?

✔️ Invest in your business

Fund projects you can’t afford upfront. Cover urgent expenses – like that new software licence you need for ongoing work.

✔️ Cover payment gaps

Fluctuating income? Clients paying late? Bridge payment gaps and keep business running smoothly.

✔️ Split larger expenses

Big purchases can put a dent in your cash flow. Split them into manageable instalments, and pay them off over time.

✔️ Buy time

With credit card transactions due at the end of next month, you have ample time to budget.

Apple Pay & Google Pay

Fast and easy card-free payments

Now you can enjoy all the benefits of your Holvi card using Apple Pay or Google Pay™️. The fast, easy and secure way to pay in stores, apps and online with just a touch or a glance.

Discover Apple Pay

Discover Google Pay