Open a business account for your GmbH or UG online
For new and established GmbH and UG: deposit your share capital with no bank appointment and get the statement for the commercial register right away. Your daily business runs from the same account.
Since 2011 · Supervised by BaFin · English-language phone support
Business banking you can rely on
The account for a fast company formation
Open the account online, pay in your share capital straight away and download the statement for the notary: no bank appointment, no weeks of waiting.
Would you rather form your company with Holvi? Digital express formation starts at €99 (plus VAT).
Everything your GmbH or UG needs
Open the account online
Open a Holvi account for your GmbH i.G. (in Gründung / in formation) or UG i.G. and upload your formation documents.
Deposit the share capital
Transfer the money for the share deposit, download the statement and the notary can notarise.
Banking & corporate cards
Handle payments, manage spending and give the team cards with their own limit.
Connect your bookkeeping
Clean data straight to your tax adviser. Via DATEV, Lexware Office, sevdesk and more.
From formation to a working account
Have the GmbH i.G. or UG i.G. notarised. Fastest with Holvi’s formation packages.
Open your Holvi account for the GmbH i.G. or UG i.G. online and upload the formation documents.
Note: Before entry in the commercial register, only transactions directly connected to the formation are possible with your Holvi account (e.g. notary, local court). Apart from the share capital deposit, no incoming payments are accepted yet. After successful registration, you can fully use your account.
Simply transfer the deposit with the reference “Stammkapital”. With several shareholders, each pays in their own share separately – from an account in their own name. Download the statement and the notary can notarise the GmbH or UG.
After entry in the commercial register, upload the certificate of registration (Handelsregisterauszug) in your Holvi account. We check it and unlock the account for unrestricted use.
Registered sooner, liability shorter
Until the company is entered in the register, the shareholders are personally liable. A fast, clean capital deposit closes that gap sooner. With Holvi, every step runs online.
It usually takes only 4–5 working days to get the statement for the notary. The optional express formation from €99 also includes six months of Holvi Lite or Pro with no monthly fee.
One account for your day-to-day business
After registration, the company’s transactions run from the same account. Holvi offers different plans with different features, suitable for your business.
- Up to 15 German IBANs – for taxes and reserves
- Real-time transfers and standing orders – quickly done
- International transfers – with 18 currencies
- Connect other accounts – e.g. from your main bank
Team cards for every expense
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Pay in person, receipt attached
Pay for materials, fuel or supplies in-store directly with the card. Photograph the receipt and attach it to the transaction. Up to 5 physical cards on Holvi Business, usable worldwide with Apple Pay and Google Pay.
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Pay online, ready instantly
Pay for SaaS, ad platforms or subscriptions online – with up to 20 virtual cards on Holvi Business. Created in seconds, each with its own limit. Plus full overview of costs. Every payment shows up instantly in the app and works with Apple Pay and Google Pay.
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For more financial headroom
When a customer payment arrives late or a larger expense is coming up, the Holvi Business credit card bridges the gap. Up to €50,000 credit line and up to 18% interest p.a. for GmbH and UG – physical and virtual card available. Applied for separately and granted after a credit check (assessment of ability to repay).
The business account for different industries
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Materials, fuel and site supplies run on cards with a limit. Every receipt is photographed and attached to the transaction. DATEV exports for your accountant
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Parts, tools and supplier orders across the team. Every payment is easy to track. No more out-of-pocket spending, no re-submitting receipts.
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Cards for drivers and teams on the road. Everything managed from one app, wherever each person is. With individual limits and an overview of every expense.
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Manage ad budgets, software and subscription payments on their own cards. When people leave, cards can be blocked and reissued instantly. So no payment continues unplanned.
Invoices and e-invoices, straight from the account
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Create invoices with Holvi
Create and send invoices in a few clicks (with Holvi Pro and higher). Incoming payments are matched to the invoices you’ve sent, so you can see at a glance what’s still open.
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Ready for mandatory e-invoicing
Receive, check, pay and legally archive incoming e-invoices with Holvi Lite and higher. Create, send and track them from Holvi Pro. In both German standard formats (ZUGFeRD and XRechnung).
Clean books, a happy accountant
The connection to your accountant runs in the background. Sorted data, receipts already attached to the payments and their own access to the account. For just €3/month with Holvi Pro or at no extra cost with Holvi Business.
Put idle liquidity to work
GmbH and UG can park capital flexibly, have it paid back out when needed and get the chance of a return in the meantime.
All it takes is the Holvi business account: no separate account, no extra app. The documents you need for tax season are ready to download at year-end.
Investments carry risk. The value of the investment can fluctuate. The capital invested is not guaranteed and can lose value. Past performance is not a reliable indicator of future results.
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 fast.
Your money, safeguarded
Holvi is supervised by BaFin and customer funds are held as safeguarded funds.
Why GmbH and UG choose Holvi
“Quick to set up, a free business account, fully digital. No more chasing my tax adviser. No more year-end chaos. It just runs.”
“I hold company accounts with both Holvi and Germany’s largest bank. Holvi is ahead on price, app, features and support – with no extra charge per payment.”
“What I like best are the sub-accounts and how much runs automatically. And that the data goes to DATEV automatically.”
“The mix of business account and bookkeeping is convincing. Invoices are created straight from the account – with automatic matching of payments and VAT.”
“The combination of mobile app and desktop version is fast and flawless. Opening the account was smooth and quick.”
FAQs about the business account for a GmbH or UG
No, unfortunately, this is not possible. To open a business account and to transfer your share capital, we first need your signed and certified founding documents.
You will only gain full access to your business account after you enter your company in the trade registry (Handelsregister) and upload the certificate of registration (Handelsregisterauszug).
During the founding phase, these are the limitations that apply to your business account:
- You can only use the account for payments directly related to founding your company (e.g. payment made to a notary).
- Incoming payments, except the share capital transfers, will be rejected.
- Your account may be restricted or closed immediately if the IBAN is used for any unrelated activities – for example, incoming payments, direct debit, etc.
Read more about opening a Holvi founder account in our Help Centre.
The share capital must be transferred from an account in the shareholder’s own name. With several shareholders, each pays in their own share separately. Add the reference “Stammkapital”, so the payment can be assigned correctly.
During the formation phase, the shareholders are personally liable with their own assets. The liability lasts until the capital is deposited and the final GmbH or UG is entered in the commercial register. A fast, smooth capital deposit reduces that risk. With Holvi, every step runs online: from opening the account to depositing the capital and downloading the statement.
Once the pre-GmbH or pre-UG (GmbH i.G. or UG i.G.) is notarised, the business account opens online within minutes. From opening the account to downloading the statement for the notary usually takes 4–5 working days.
The duration of the subsequent register entry depends on the notary and the court of registration (Registergericht).
To open a business account for your GmbH or UG, you will have to provide:
- personal identity: name and address
- company details: name, sector and location
- email and phone number
- a valid ID document: personal ID or passport
- a smartphone: for verification purposes.
About the company:
- estimated annual turnover
- ownership details
For a GmbH or UG in formation:
- sample protocol (Musterprotokoll) or
- formation deed with annex (Gründungsurkunde mit Anlage oder Satzung) or
- the articles of association (Gesellschaftsvertrag)
For an existing GmbH or UG:
- certificate of registration (Handelsregisterauszug, retrieved within the last 6 months)
- articles of association or sample protocol (Gesellschaftsvertrag oder Musterprotokoll)
- shareholder list if applicable
- VAT ID
- tax number (Steuernummer), if applicable
Holvi is more than just a business account
Expense management
Budgets, approvals and receipts for the whole team in one place
International transfers
Pay supplier invoices in 18 currencies. Straight from the account, no separate tools needed.
Holvi App
Your whole account in one app. For your GmbH or UG on the go. Manage cards, capture receipts – everything controlled.