Grower – take balance up a level

Unlimited invoicing and e-invoicing, straight from your business account. Full-time self-employment, simplified.

  • All-in-one business account
  • Unlimited invoicing & e-invoicing
  • Get more cards for your team
  • Open account – 100% online

Grow your business, under one roof

Self-employment is hard work, Grower makes it simpler. Everything you need to run and grow your business – stress free.

  • A German IBAN
  • Unlimited transfers
  • Holvi Business Mastercard® (3 included)
  • Unlimited invoicing & e-invoicing
  • Expense management tools, so you stay tax ready
  • 2% cash withdrawal at atms worldwide

Unlimited invoicing & e-invoicing – get the job done, fast

It’s not over till you get paid. You’ve done the work, now collect earnings effortlessly.

  • Unlimited invoicing & e-invoicing (XRechnung & ZUGFeRD)
  • Boost brand with professional-looking invoices
  • Create, send, track and store invoices
  • Save contacts and products/services for fast, easy billing
  • Run income reports, stay tax ready

Snappier expense management

Automate everyday bookkeeping tasks to lighten the load. Grower helps you stay tax ready, without ever opening a spreadsheet.

  • Snap, sort and save receipt capture
  • Categorise expenses for easy bookkeeping
  • Run income and expense reports
  • See real-time cash flow in Holvi dashboard
  • Invite your accountant

Is Grower for you?

Holvi is most helpful when you unlock all features. With Grower, everything works together to simplify your work life. If you:

  • Want everything in Starter, and then some
  • Need to invoice lots of clients each month – unlimited invoicing. Send, receive and track your bills
  • Need to create and send e-invoices for Federal Government or public sector clients
  • Have a team and need more cards – includes up to 3 Holvi Business Mastercards®, and you can add on more
  • Benefit from cheaper cash withdrawal – take out cash anywhere in the world at just 2%

  • Business account with German IBAN
  • Holvi Business Mastercard® – 3 included
  • Unlimited SEPA transfers
  • Unlimited invoicing & e-invoicing (XRechnung & ZUGFeRD)
  • Worldwide cash withdrawal at 2%
  • Schedule payments and set up recurring payments
  • Download financial statements with just a few taps
  • Lock and unlock your card online
  • Forgot PIN? See it in the Holvi mobile app
  • Card safety with Mastercard® Identity Check™ 3D Secure
  • Keep your account safe with two-factor authentication (2-FA)
  • Order additional cards for your whole team

Biometric login

Fingerprint or Face ID login keeps access to your Holvi account safe and simple.


From 2-FA to 3D Secure, we use the latest SCA tech to protect your TLS-encrypted account.

Bank-level security

Your money is safe with us. Bank-level security means your funds are always protected.

Open a business account online –
as simple as 1, 2, Holvi

1. Hi, nice to meet you!

Share a few details and verify your identity with a quick video call.

2. So what do you do?

Add some company info to help us verify your business.

3. Let’s work together.

Choose your pricing plan. Start using Holvi and simplify your work life.

Ernährungsberaterin Leena Putkonen nutzt das Holvi Geschäftskonto.

‘Having a separate business account makes life simpler – and so does the Holvi Business Mastercard. Now I don’t need to sift through my personal records to find business expenses. Everything is there in plain sight.’

Leena Putkonen, Nutritional Therapist


€0 /month

Starting a new business or side-gigging on top of the 9–5? Starter is for you.

  • Free business account
  • Holvi Business Mastercard® – 1 card included
  • Send 3 invoices/month
  • Snap, sort and save receipts for tax time


€12 /month

Up and running with your own full-time business? Grower is for you.

  • Everything in Starter plus
  • Holvi Business Mastercard® – 3 cards included
  • Unlimited invoicing & e-invoicing
  • Atm cash withdrawal at 2%


Holvi is online business banking for the self-employed. As a licensed payment institution, Holvi does not offer overdrafts or other forms of lending or loans.

This means you can never spend more than you have. You’ll need sufficient funds to make a purchase or send a payment. Check your balance quickly in the Holvi app, and scan your finance forecast in Holvi dashboard.

Your Holvi Business Mastercard® is a debit card. It’s linked to your Holvi business account, so no need to manually load it. As income flows in, your balance grows and you can use your card to pay expenses. Having everything in one place keeps life simple.

No, with Holvi’s Grower plan you can send and receive effectively unlimited invoices and e-invoices.*

*We draw the line at 500 e-invoices per month in Grower. After this, there’s a €0.50 charge per e-invoice. (That’s 16.66 e-invoices per day, every day. So far no one has come close to this limit.) See our Fair Use Policy.

You can receive money via SEPA transfer in euros. Connect your account to payment terminals like SumUp to accept card payments.

Yes. Our partner IDnow carries out the identity check. They accept ID cards and passports from other countries. However, not all ID cards and passports have the necessary security features. If you’re concerned about whether your ID will be accepted, please contact our support team. Drivers’ licenses, residence permits or provisional ID cards are unfortunately not suitable for the identity check.

Still curious?

Find answers to your questions in our Help Centre, or contact Holvi Support.

About us

We’ve lived and learned the entrepreneur life. Now we’re here to simplify yours.

How it works

Holvi is all you need – from business account, to online invoicing, to expense management.