Online business banking, and beyond

Everything you need for self-employment success – online, without the paperwork.

All your business, under one roof

It all starts here. Business banking, invoicing, expense management and tax prep – all in one account. Use your Holvi Business Mastercard® on expenses, and see the big picture in Holvi dashboard.

Invoices that get you paid, fast

From scratch to finish, Holvi streamlines every step of invoicing: create, send, track and store reports. Boost your brand with professional-looking invoices that get the job done.

Expense management, without the time cost

Automate everyday bookkeeping tasks to lighten the load. Save receipts, sort your income and expenses, add comments and see all your numbers – without ever opening a spreadsheet.

Krister Häll founded his Kombucha Startup The Good Guys. He uses Holvi as a tool for managing his company finances.

‘The better your tools, the easier you can handle business admin and scale. That’s why I use Holvi. Saving my brainpower for real work means my business is always moving forward.’

Krister Häll, Kombucha Brewer

Connect anywhere

Use Holvi seamlessly across devices – at home or on the go.

Get started for €0

Simple pricing with no minimum commitment – upgrade plans as you grow.

We speak small business

Our support team is made up of Makers and Doers.

FAQs

Not exactly. Holvi is business banking for the self-employed and small businesses – but there are a few key differences between us and banks. Back in 2011, Holvi received a payment institution licence from the Financial Supervisory Authority of Finland (FIN-FSA). With this licence, we could spread our wings and help self-employed professionals across Europe. We’ve been doing that ever since, adapting our product to promote financial well-being in different markets and working under the relevant national authorities.

Yes. Holvi offers bank-level security. To be exact, in accordance with the Payment Services Directive (PSD2), Holvi holds all customer funds in separate accounts at partner banks, where they’re protected under deposit insurance. This means that in the unlikely event of Holvi’s insolvency, customer funds would remain unaffected. Your money is safe and sound.

You can open a Holvi business account for these types of companies in Germany:

  • Sole proprietorship / trade (not registered)
  • Freelancer
  • GmbH in formation (pre-GmbH)
  • GmbH – limited liability company
  • UG – Entrepreneurship (limited liability) in formation
  • UG – Unternehmergesellschaft (limited liability)

Holvi doesn’t support ownership structures that include one or more legal entities with 25% or more shares in the company. This means that if your company belongs to another company, then we unfortunately can’t offer you an account.

Yes. We offer founders accounts for the German company forms GmbH and UG. You can pay your share capital into this account before the commercial register extract is available. All other types of company must be fully verified when opening an account.