The digital alternative to savings accounts – almost like earning interest
- With Holvi investment access, you can park excess capital – with easy access and up to 2.67% p.a¹.
- Boringly good. For GmbHs and UGs.
Benefits at a glance
Optimise liquidity – with no transaction fees
Your money will be back in your account within a few working days. No lock-in periods or restrictions. And: no transaction fees.
Really simple – even for your accounting
Directly from your Holvi account. No extra depot, no new app. Tax documents automatically available – your accountant will love it.
Save on average 2-4 hours of bookkeeping time per quarter.
What your capital can do
If you park €50,000 for 3 months at a net return of 2.67% p.a., that’s an estimated gross return of about €331². No lock-in. No effort. No interest-hopping.
²Example calculation is for illustrative purposes only. It’s based on a constant net return of 2.67% p.a. and an assumed investment period of three months.
Typical use cases – How other Holvi customers use it
Reserves after tax audit
The CEO of an UG parks €80,000 after a tax audit in Holvi investment access. Everything is documented – their accountant doesn’t have to ask questions.
Liquidity after funding
A startup has received fresh funding – and temporarily invests €150,000 in the fund, instead of letting the money sit idle in their account. This way, they generate returns while keeping their capital liquid.
Better use of planned expenses
An agency reserves €30,000 for salaries and rent for the next three months – until then, the capital works for them instead of staying inactive.
Buffer for project-free months
A consultancy firm uses Holvi to bridge their quiet months in the summer. The capital remains liquid but is not sitting unused.
Got questions?
Speak with our team to learn more about our investment access.
Is this offering for you?
- You run a GmbH or UG
- You have spare capital you don’t currently need
- You want to park it in a simple, transparent way – without any risky speculation
Smart returns, boringly good
This product isn’t exciting. And that’s the point.
Holvi investment access is designed so that you don’t have to worry about it.
Park your capital, see the returns, stay flexible – without any risky speculation, no interest-hopping.
Trust, built by professionals
Your money is managed in a money market fund by State Street Global Advisors. SSGA has been in the market for over 45 years and is the world’s 4th largest asset manager.
Top-rated by small businesses
How it works – In 3 simple steps
1. Open your Holvi account
For your GmbH or UG – 100% online.
2. Activate investment access
Verify your company details, select the fund in the Investment section, set your amount – and you’re done.
3. Manage your capital flexibly
Your money works in the background. Withdrawals are easy.
Transparent pricing,
no hidden costs
Holvi Lite
Holvi Pro
¹Net yield after fund manager fees, based on annualised 30-day performance (as of 30.04.2025). This estimate assumes consistent performance over the full year, though money market returns may vary with changing market conditions. The service fee for the investment offering is not included, as it’s waived until 30.06.2025.
Benefits and risks at a glance
Benefits
- Benefit from current money market rates.
- No need to transfer between different savings accounts.
- You have easy access to your capital.
- Money market funds are stable due to short-term investments.
Risks
- Money market funds are generally low risk, but not risk-free. Value losses are possible.
- The return is not guaranteed and can drop.
- Financial instruments in the fund can fail and cause losses.
FAQ
In the money market, banks, large companies, or the government borrow or lend money on a short-term basis. Money market funds (MMFs) invest your money in these interest-bearing securities, such as overnight or term deposits with a maturity of less than a year. The interest paid on these loans generates the fund’s returns.
MMFs are generally a low-risk way to grow your business’s cash. Banks and large companies have used them for years to preserve capital and manage liquidity, as a means to help mitigate inflationary effects.
To open an investment account with Holvi, you need to meet a few requirements. For now, this offer is available for GmbHs and UGs only. You can find all the details in our Help Centre.
It takes just €20 to start earning yield on your spare cash, with no upper limit on how much you can invest.
Once your sell order is executed, the capital will be available within 3 to 4 working days. We’re working on speeding up this process in the future to give you even quicker access to your funds.
No. You can deposit or withdraw capital from the fund – without transaction fees. There are no fees per transaction, no holding periods, no penalties.
Investing carries risks to the capital invested. As with any investment, the value of your investments can go up or down. Past performance is not a reliable indicator of future results. The returns stated are for illustrative purposes and may differ from actual product performance. This is not an offer or investment recommendation. Investors should note that investing in money market funds is not a guaranteed investment and carries different risks compared to a traditional savings account. Access to investment options is granted upon successful onboarding.
Investment brokerage under the liability and for the account of lemon.markets brokerage GmbH, Kottbusser Damm 79, D-10967 Berlin.