An account for every business

Number of German IBANs with country code DE included free of charge. Additional IBANs: €2/month each (Holvi Flex) or €1/month (all other pricing models)

Manage transfers in-app.

Send and receive instant payments in the SEPA area – no extra fees.

Send and receive payments in 18 currencies – without the need for third-party providers.

A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.

All our cards work with Apple Pay and Google Pay.

Make online payments with virtual cards and use them in-store with Apple Pay and Google Pay.

Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.

We’re fully digital, but you can withdraw cash with physical cards for a small fee.

Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.

Create custom labels for easy spend management.

Add Holvi cards to Apple Pay and Google Pay for fast, easy and secure payments.

Lock and unlock your cards in seconds.

Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.

Add money instantly to your account via card payment.

A monthly inactivity fee will be charged if no SEPA or card transactions are made. For new customers, this fee only takes effect 12 months after opening an account.

Digital express formation for GmbHs or UGs: Create formation documents online and get a short-notice notary appointment. Coordination of further registration obligations upon request. Includes 6 months of Holvi Lite or Holvi Pro business account with no account management fees.

Quick deposit of share capital(s) via real-time transfer, with no additional costs, as proof for GmbH/UG formation.

The investment offering is currently only available for GmbHs and UGs.

Connect Holvi with Lexware Office bookkeeping software, automatically synchronise your transactions and simplify bookkeeping.

Connect Holvi with DATEV via a secure EBICS connection and automate your accounting and payment processes. €3 / month.

Cover short-term gaps in cashflow and invest in your business.

Repay this month’s spending at the end of next month.

Repay this month’s spending in 3 equal instalments spread over 3 months.

Repay this month’s spending in 6 equal instalments spread over 6 months.

Repay the current month’s expenses in 12 equal installments over 12 months

A revolving credit line that refills as you repay your credit balance.

Turn on automatic payments to transfer the minimum balance due from your Holvi business current account to your credit account by the invoice due date.

Download your credit account statement as a PDF, .xslx or electronic account statement (camt.052).

Upload received e-invoices to check, pay and archive them in a legally compliant way.

Create invoices and e-invoices in PDF format or send via email.

Send and receive e-invoices via an e-invoicing network (Peppol).

We’ll match incoming payments to your sent invoices based on reference number.

Manage contacts from banking and invoicing, all in one place.

Manage invoice items, for example services and products.

Enjoy quick visibility over your finances.

View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.

A clear view of your VAT balance in real-time.

Get in-depth daily and weekly reports sent to your email.

Customise your notification settings and get notified of important events.

Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready

Categorise your transactions in-app, add VAT, split transactions and add notes.

File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.

Download your account statement as a PDF, .xslx or electronic account statement (camt.052).

Sort transactions with missing bookkeeping details or filter by transaction type.

Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.

Accounting journal, general ledger, order lists.

VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus DATEV payments and bookeeping reports.

Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.

You can reach our support team via direct message when logged into your account. We respond as soon as we can via message and email.

Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.

For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.

Number of German IBANs with country code DE included free of charge. Additional IBANs: €2/month each (Holvi Flex) or €1/month (all other pricing models)

Manage transfers in-app.

Send and receive instant payments in the SEPA area – no extra fees.

Send and receive payments in 18 currencies – without the need for third-party providers.

A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.

All our cards work with Apple Pay and Google Pay.

Make online payments with virtual cards and use them in-store with Apple Pay and Google Pay.

Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.

We’re fully digital, but you can withdraw cash with physical cards for a small fee.

Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.

Create custom labels for easy spend management.

Add Holvi cards to Apple Pay and Google Pay for fast, easy and secure payments.

Lock and unlock your cards in seconds.

Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.

Add money instantly to your account via card payment.

A monthly inactivity fee will be charged if no SEPA or card transactions are made. For new customers, this fee only takes effect 12 months after opening an account.

Digital express formation for GmbHs or UGs: Create formation documents online and get a short-notice notary appointment. Coordination of further registration obligations upon request. Includes 6 months of Holvi Lite or Holvi Pro business account with no account management fees.

Quick deposit of share capital(s) via real-time transfer, with no additional costs, as proof for GmbH/UG formation.

The investment offering is currently only available for GmbHs and UGs.

Connect Holvi with Lexware Office bookkeeping software, automatically synchronise your transactions and simplify bookkeeping.

Connect Holvi with DATEV via a secure EBICS connection and automate your accounting and payment processes. €3 / month.

Cover short-term gaps in cashflow and invest in your business.

Repay this month’s spending at the end of next month.

Repay this month’s spending in 3 equal instalments spread over 3 months.

Repay this month’s spending in 6 equal instalments spread over 6 months.

Repay the current month’s expenses in 12 equal installments over 12 months

A revolving credit line that refills as you repay your credit balance.

Turn on automatic payments to transfer the minimum balance due from your Holvi business current account to your credit account by the invoice due date.

Download your credit account statement as a PDF, .xslx or electronic account statement (camt.052).

Upload received e-invoices to check, pay and archive them in a legally compliant way.

Create invoices and e-invoices in PDF format or send via email.

Send and receive e-invoices via an e-invoicing network (Peppol).

We’ll match incoming payments to your sent invoices based on reference number.

Manage contacts from banking and invoicing, all in one place.

Manage invoice items, for example services and products.

Enjoy quick visibility over your finances.

View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.

A clear view of your VAT balance in real-time.

Get in-depth daily and weekly reports sent to your email.

Customise your notification settings and get notified of important events.

Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready

Categorise your transactions in-app, add VAT, split transactions and add notes.

File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.

Download your account statement as a PDF, .xslx or electronic account statement (camt.052).

Sort transactions with missing bookkeeping details or filter by transaction type.

Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.

Accounting journal, general ledger, order lists.

VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus DATEV payments and bookeeping reports.

Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.

You can reach our support team via direct message when logged into your account. We respond as soon as we can via message and email.

Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.

For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.

Number of German IBANs with country code DE included free of charge. Additional IBANs: €2/month each (Holvi Flex) or €1/month (all other pricing models)

Manage transfers in-app.

Send and receive instant payments in the SEPA area – no extra fees.

Send and receive payments in 18 currencies – without the need for third-party providers.

A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.

All our cards work with Apple Pay and Google Pay.

Make online payments with virtual cards and use them in-store with Apple Pay and Google Pay.

Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.

We’re fully digital, but you can withdraw cash with physical cards for a small fee.

Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.

Create custom labels for easy spend management.

Add Holvi cards to Apple Pay and Google Pay for fast, easy and secure payments.

Lock and unlock your cards in seconds.

Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.

Add money instantly to your account via card payment.

A monthly inactivity fee will be charged if no SEPA or card transactions are made. For new customers, this fee only takes effect 12 months after opening an account.

Digital express formation for GmbHs or UGs: Create formation documents online and get a short-notice notary appointment. Coordination of further registration obligations upon request. Includes 6 months of Holvi Lite or Holvi Pro business account with no account management fees.

Quick deposit of share capital(s) via real-time transfer, with no additional costs, as proof for GmbH/UG formation.

The investment offering is currently only available for GmbHs and UGs.

Connect Holvi with Lexware Office bookkeeping software, automatically synchronise your transactions and simplify bookkeeping.

Connect Holvi with DATEV via a secure EBICS connection and automate your accounting and payment processes. €3 / month.

Cover short-term gaps in cashflow and invest in your business.

Repay this month’s spending at the end of next month.

Repay this month’s spending in 3 equal instalments spread over 3 months.

Repay this month’s spending in 6 equal instalments spread over 6 months.

Repay the current month’s expenses in 12 equal installments over 12 months

A revolving credit line that refills as you repay your credit balance.

Turn on automatic payments to transfer the minimum balance due from your Holvi business current account to your credit account by the invoice due date.

Download your credit account statement as a PDF, .xslx or electronic account statement (camt.052).

Upload received e-invoices to check, pay and archive them in a legally compliant way.

Create invoices and e-invoices in PDF format or send via email.

Send and receive e-invoices via an e-invoicing network (Peppol).

We’ll match incoming payments to your sent invoices based on reference number.

Manage contacts from banking and invoicing, all in one place.

Manage invoice items, for example services and products.

Enjoy quick visibility over your finances.

View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.

A clear view of your VAT balance in real-time.

Get in-depth daily and weekly reports sent to your email.

Customise your notification settings and get notified of important events.

Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready

Categorise your transactions in-app, add VAT, split transactions and add notes.

File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.

Download your account statement as a PDF, .xslx or electronic account statement (camt.052).

Sort transactions with missing bookkeeping details or filter by transaction type.

Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.

Accounting journal, general ledger, order lists.

VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus DATEV payments and bookeeping reports.

Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.

You can reach our support team via direct message when logged into your account. We respond as soon as we can via message and email.

Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.

For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.

Number of German IBANs with country code DE included free of charge. Additional IBANs: €2/month each (Holvi Flex) or €1/month (all other pricing models)

Manage transfers in-app.

Send and receive instant payments in the SEPA area – no extra fees.

Send and receive payments in 18 currencies – without the need for third-party providers.

A small currency conversion fee applies to incoming and outgoing SWIFT payments made in currencies other than EUR. This fee is calculated and applied during the currency conversion process.

All our cards work with Apple Pay and Google Pay.

Make online payments with virtual cards and use them in-store with Apple Pay and Google Pay.

Create custom spending limits for different Holvi cards. Get notifications and manage spending in-app.

We’re fully digital, but you can withdraw cash with physical cards for a small fee.

Holvi cards work worldwide, but we charge a small fee for payments not made in euros. Mastercard® daily exchange rates apply. Read more in our price list.

Create custom labels for easy spend management.

Add Holvi cards to Apple Pay and Google Pay for fast, easy and secure payments.

Lock and unlock your cards in seconds.

Issue payment cards to your team, give colleagues and accountants access to your account and manage access rights.

Add money instantly to your account via card payment.

A monthly inactivity fee will be charged if no SEPA or card transactions are made. For new customers, this fee only takes effect 12 months after opening an account.

Digital express formation for GmbHs or UGs: Create formation documents online and get a short-notice notary appointment. Coordination of further registration obligations upon request. Includes 6 months of Holvi Lite or Holvi Pro business account with no account management fees.

Quick deposit of share capital(s) via real-time transfer, with no additional costs, as proof for GmbH/UG formation.

The investment offering is currently only available for GmbHs and UGs.

Connect Holvi with Lexware Office bookkeeping software, automatically synchronise your transactions and simplify bookkeeping.

Connect Holvi with DATEV via a secure EBICS connection and automate your accounting and payment processes. €3 / month.

Cover short-term gaps in cashflow and invest in your business.

Repay this month’s spending at the end of next month.

Repay this month’s spending in 3 equal instalments spread over 3 months.

Repay this month’s spending in 6 equal instalments spread over 6 months.

Repay the current month’s expenses in 12 equal installments over 12 months

A revolving credit line that refills as you repay your credit balance.

Turn on automatic payments to transfer the minimum balance due from your Holvi business current account to your credit account by the invoice due date.

Download your credit account statement as a PDF, .xslx or electronic account statement (camt.052).

Upload received e-invoices to check, pay and archive them in a legally compliant way.

Create invoices and e-invoices in PDF format or send via email.

Send and receive e-invoices via an e-invoicing network (Peppol).

We’ll match incoming payments to your sent invoices based on reference number.

Manage contacts from banking and invoicing, all in one place.

Manage invoice items, for example services and products.

Enjoy quick visibility over your finances.

View business KPIs at a glance in our smart dashboard. A detailed view of your financials during any period for complete business control.

A clear view of your VAT balance in real-time.

Get in-depth daily and weekly reports sent to your email.

Customise your notification settings and get notified of important events.

Snap, sort and save receipts in-app – add categories and quick notes to stay tax ready

Categorise your transactions in-app, add VAT, split transactions and add notes.

File expense claims yourself and let your team fill them in, or send someone a link to review and approve claims in Holvi.

Download your account statement as a PDF, .xslx or electronic account statement (camt.052).

Sort transactions with missing bookkeeping details or filter by transaction type.

Add outside transactions (e.g. cash, payments made with other cards) and prepare them for tax time.

Accounting journal, general ledger, order lists.

VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus DATEV payments and bookeeping reports.

Export all transactional and bookkeeping data with attachments or create custom reports to export via Dropbox.

You can reach our support team via direct message when logged into your account. We respond as soon as we can via message and email.

Our virtual assistant Hilla answers your questions 24/7. Log in to your account and click on the message button in the bottom left corner. You find Hilla also on our website.

For a speedy fix, search our help centre to see if we’ve covered your question before. Find engaging articles on all Holvi topics.