Holvi Flex – a business account with 0 € monthly fee
Manage your business finances in one place with a flexible business account. Pay only for what you use and stay in control.
Since 2011 · BaFin-regulated · English-language phone support
Business banking you can rely on
No opening fee
Open your account quickly and easily from the comfort of your own home. No opening fee.
Clear pricing
Pay only what you use: €0 for the account and card, €0.25 per transfer.
Grows with your business
Change your pricing plan easily as your needs change.
Smart finances for your business
- 1 German IBAN account – manage your business payments with ease
- Additional accounts €3/month per account – create separate accounts for different projects
- €0,25/SEPA payment – pay only what you use
- Foreign currency payments €6/transaction – pay in 18 currencies at a competitive price
- Accounting software integration €6/month – your accountant will thank you
Virtual Debit Card
- Pay safely online and in apps
- Add Apple and Google Pay™️ and pay in-store
- Get payment notifications on your phone
- Scan receipts and upload them to Holvi
- Open and close your card in the app whenever needed
- Physical or virtual additional cards for €3/month per card
More than a bank
We understand the daily life of an entrepreneur
Holvi is a Finnish company on a mission to make everyday life easier for entrepreneurs. We know local practices inside out – from e-invoicing to VAT requirements.
Avoid unnecessary bureaucracy – get started right away
Open a business account easily online – without paperwork nor branch visits. Holvi is designed for entrepreneurs who value speed and simplicity.
All your tools in one place
Holvi is more than just a business account. Holvi offers a complete financial management toolkit that brings together your business account, payment cards, invoicing, and accounting preparation all in one place.
Trusted and experienced
We’ve been serving European entrepreneurs since 2011. As a payment institution authorised and supervised by the Finnish Financial Supervisory Authority (Finanssivalvonta), your funds and data are safe with us.
What they say about us…
“If you want to save time and a fuss-free way to bank, you’re in the right place. They’re always a step ahead of the others – remarkable. Support is fast whenever you need it. It all just fits — I’m very happy.”
“Banking the way it should be. A clear overview of the banking side, and all the key functions link up fast. The reports and exports are spot on. Quick transactions, and the reports go straight to my accountant.”
“For years, Holvi has been a trusted partner in my business. By now it’s indispensable. It’s become my main bank for everything, and moving money in real time gives me real standing with the people I work with.”