Earn up to
3.66 % p.a.¹ for your business
- Flexible investments in low-risk money market funds
- Easy access to your cash
- Digital onboarding for a smooth start
- No cap on your investment
¹Net yield after fund manager fees, based on annualised 30-day performance (as of 31.10.2024). 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 31.03.2025.
The alternative to a business savings accounts
Low risk
Money market funds are protected as special assets with unlimited protection against bank insolvency.
Easy access
Access your capital when you need it.
Easy onboarding
Our digital onboarding makes it easy to start investing with just a few clicks.
Got questions?
Speak with our team to learn more about our investment offering.
Easy onboarding
We’ll guide you step by step through the account opening process.
Low-risk funds
Your money is held in a low-risk, yield-paying fund managed by State Street Global Advisors.
Managed by State Street Global Advisors
With over 45 years of experience, State Street Global Advisors is the world’s fourth-largest asset manager, overseeing $4.42 trillion globally.
Transparent pricing,
no hidden costs
Holvi Lite
Holvi Pro
²Net yield after fund manager fees, based on annualised 30-day performance (as of 30.11.2024). 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 31.03.2025.
Cash management for your business
Set aside money for future expenses
With money market funds, you can mitigate the effects of inflation while optimising your returns.
Your financial runway
Park your funds for future investments – simple and flexible.
Easy access, maximum efficiency
Invest your capital short-term with money market funds and earn attractive returns.
Invest in three simple steps
1. Open account
Sign up to open your new Holvi account.
2. Add personal details
Verify your identity to get started.
3. Add business details
Verify your business to get up and running.
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.
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.
Our chosen money market fund is an accumulating fund, meaning any interest earned is directly reinvested. Instead of regular payouts, the value of your shares in the fund grows, and you receive your returns when you sell. This way, the money you earn starts earning more, which is known as compounding.
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.