Choose the plan that suits you best

Smart banking and cards, expense management, invoicing and bookkeeping – all in one place, so you can focus on what matters.

Holvi Lite

9 € 4,50 €

9 €

/month + VAT

1 year subscription, monthly billing

The business account that lets you keep an eye on your finances. Use multiple IBANs, international transfers and smart insights.

Banking and cards
2 German IBANs

Up to 2 German IBANs (country code DE) included. Create additional IBANs (max. 10) for €1 / month each.

1 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Maximum 5 physical cards and 5 virtual cards.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card
(By application)
500 SEPA transfers and direct debits

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

SWIFT tansfers

Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.

Earn up to 3.17 % p.a.¹ for your business

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

NEW
Invoicing and sales
Integrated invoicing and e-invoicing
Online store and sales collection
Expenses and bookkeeping
DATEV connection

A direct line to your tax office: Connect Holvi with DATEV via a secure EBICS connection and automate your accounting and payment processes. €3 / month.

NEW
Lexware Office connection

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

Receipt scanning, bookkeeping prep and insights

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

Standard reports

Standard reports: Account statement, accounting journal, general ledger, order lists.

VAT balance calculator
Top pick

Holvi Pro

15 € 9 €

15 €

/month + VAT

1 year subscription, monthly billing

Everything from Holvi Lite, plus more payment cards, e-invoicing and advanced accounting features.

Banking and cards
5 German IBANs

Up to 5 German IBANs (country code DE) included. Create additional IBANs (max. 10) for €1 / month each.

3 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Maximum 5 physical cards and 10 virtual cards.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card
(By application)

Cover short-term gaps in cashflow and invest in your business. Credit offers are made based on individual credit score and cannot be guaranteed. Plans start from €6 / month.

500 SEPA transfers and direct debits

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

SWIFT tansfers

Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.

Earn up to 3.17 % p.a.¹ for your business

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

NEW
Invoicing and sales
Integrated invoicing and e-invoicing

Create, send and track invoices. Send and receive e-invoices. Up to 500 sent, 500 received invoices / month. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.

Online store and sales collection
Expenses and bookkeeping
DATEV connection

A direct line to your tax office: Connect Holvi with DATEV via a secure EBICS connection and automate your accounting and payment processes. €3 / month.

NEW
Lexware Office connection

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

Receipt scanning, bookkeeping prep and insights

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

Advanced reports and exports

Standard reports: Account statement, accounting journal, general ledger, order lists. Advanced reports: VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus DATEV payments and bookkeeping reports.

VAT balance calculator

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

Holvi Pro+

18 € 15 €

18 €

/month + VAT

1 year subscription, monthly billing

Level up your sales. Everything in Holvi Pro plus an online sales platform connected to your business account and bookkeeping.

Banking and cards
5 German IBANs

Up to 5 German IBANs (country code DE) included. Create additional IBANs (max. 10) for €1 / month each.

3 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Maximum 5 physical cards and 10 virtual cards.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card
(By application)

Cover short-term gaps in cashflow and invest in your business. Credit offers are made based on individual credit score and cannot be guaranteed. Plans start from €6 / month.

500 SEPA transfers and direct debits

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

SWIFT tansfers

Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.

Earn up to 3.17 % p.a.¹ for your business

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

NEW
Invoicing and sales
Integrated invoicing and e-invoicing

Create, send and track invoices. Send and receive e-invoices. Up to 500 sent, 500 received invoices / month. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.

Online store and sales collection

Start selling online in minutes. We host your online store and secure checkout portal. Accept credit and debit card payments. 2.5% per-transaction fee.

Expenses and bookkeeping
DATEV connection

A direct line to your tax office: Connect Holvi with DATEV via a secure EBICS connection and automate your accounting and payment processes. €3 / month.

NEW
Lexware Office connection

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

Receipt scanning, bookkeeping prep and insights

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

Advanced reports and exports

Standard reports: Account statement, accounting journal, general ledger, order lists. Advanced reports: VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus DATEV payments and bookkeeping reports.

VAT balance calculator

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

Holvi Lite

9 € 4,50 €

9 €

/month + VAT

1 year subscription, monthly billing

The business account that lets you keep an eye on your finances. Use multiple IBANs, international transfers and smart insights.

Banking and cards
2 German IBANs

Up to 2 German IBANs (country code DE) included. Create additional IBANs (max. 10) for €1 / month each.

1 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Maximum 5 physical cards and 5 virtual cards.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card
(By application)
500 SEPA transfers and direct debits

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

SWIFT tansfers

Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.

Earn up to 3.17 % p.a.¹ for your business

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

NEW
Invoicing and sales
Integrated invoicing and e-invoicing
Online store and sales collection
Expenses and bookkeeping
DATEV connection

A direct line to your tax office: Connect Holvi with DATEV via a secure EBICS connection and automate your accounting and payment processes. €3 / month.

NEW
Lexware Office connection

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

Receipt scanning, bookkeeping prep and insights

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

Standard reports

Standard reports: Account statement, accounting journal, general ledger, order lists.

VAT balance calculator
Top pick

Holvi Pro

15 € 9 €

15 €

/month + VAT

1 year subscription, monthly billing

Everything from Holvi Lite, plus more payment cards, e-invoicing and advanced accounting features.

Banking and cards
5 German IBANs

Up to 5 German IBANs (country code DE) included. Create additional IBANs (max. 10) for €1 / month each.

3 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Maximum 5 physical cards and 10 virtual cards.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card
(By application)

Cover short-term gaps in cashflow and invest in your business. Credit offers are made based on individual credit score and cannot be guaranteed. Plans start from €6 / month.

500 SEPA transfers and direct debits

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

SWIFT tansfers

Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.

Earn up to 3.17 % p.a.¹ for your business

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

NEW
Invoicing and sales
Integrated invoicing and e-invoicing

Create, send and track invoices. Send and receive e-invoices. Up to 500 sent, 500 received invoices / month. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.

Online store and sales collection
Expenses and bookkeeping
DATEV connection

A direct line to your tax office: Connect Holvi with DATEV via a secure EBICS connection and automate your accounting and payment processes. €3 / month.

NEW
Lexware Office connection

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

Receipt scanning, bookkeeping prep and insights

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

Advanced reports and exports

Standard reports: Account statement, accounting journal, general ledger, order lists. Advanced reports: VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus DATEV payments and bookkeeping reports.

VAT balance calculator

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

Holvi Pro+

18 € 15 €

18 €

/month + VAT

1 year subscription, monthly billing

Level up your sales. Everything in Holvi Pro plus an online sales platform connected to your business account and bookkeeping.

Banking and cards
5 German IBANs

Up to 5 German IBANs (country code DE) included. Create additional IBANs (max. 10) for €1 / month each.

3 physical + 1 virtual debit card

All our cards work with Apple Pay and Google Pay. Maximum 5 physical cards and 10 virtual cards.

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

NEW
Business Credit Card
(By application)

Cover short-term gaps in cashflow and invest in your business. Credit offers are made based on individual credit score and cannot be guaranteed. Plans start from €6 / month.

500 SEPA transfers and direct debits

Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

SWIFT tansfers

Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.

Earn up to 3.17 % p.a.¹ for your business

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

NEW
Invoicing and sales
Integrated invoicing and e-invoicing

Create, send and track invoices. Send and receive e-invoices. Up to 500 sent, 500 received invoices / month. E-invoices beyond those included in your plan are charged at €0.50 per e-invoice.

Online store and sales collection

Start selling online in minutes. We host your online store and secure checkout portal. Accept credit and debit card payments. 2.5% per-transaction fee.

Expenses and bookkeeping
DATEV connection

A direct line to your tax office: Connect Holvi with DATEV via a secure EBICS connection and automate your accounting and payment processes. €3 / month.

NEW
Lexware Office connection

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

Receipt scanning, bookkeeping prep and insights

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

Advanced reports and exports

Standard reports: Account statement, accounting journal, general ledger, order lists. Advanced reports: VAT report, Income statement, Invoicing report, electronic account statement (camt.052). Plus DATEV payments and bookkeeping reports.

VAT balance calculator

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

Personal support

You can reach us easily via live chat. Or find answers to your questions around the clock in our help centre.

Over 10 years of business banking experience

Founded in Helsinki in 2011, with its own branch in Berlin since 2019 – Holvi has a great track record.

Bank-level security

Keeping your account and your money secure is as important to us as it is to you – Holvi’s versatile security features and expert customer support take care of that.

Top-rated by the self-employed

People who are self-employed and small business owners value us. We regularly receive top marks on Trustpilot.

Holvi Lite

Holvi Pro

Holvi Pro+

Banking and cards

Numbers of IBANs

Number of German IBANs with country code DE that are included free of charge. Create additional IBANs (max. 10) for €1 / month each.

2
5
5
SEPA transfers and direct debits per month

Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

500

€0.25 / extra transfer

500

€0.25 / extra transfer

500

€0.25 / extra transfer

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

SWIFT transfers incoming and outgoing

Easily send money abroad in euros to non-SEPA countries. Foreign currency transfers coming soon.

€6 / transfer
€6 / transfer
€6 / transfer
Physical debit cards

All our cards work with Apple Pay and Google Pay.

1

€3 / month per extra card (up to 5)

3

€3 / month per extra card (up to 5)

3

€3 / month per extra card (up to 5)

Virtual debit cards

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

1

€3 / month per extra card (up to 5)

3

€2 / month per extra card (up to 10)

3

€2 / month per extra card (up to 10)

Custom card spending limits

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

ATM withdrawals

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

2.5%
2%
2%
Foreign card usage

Holvi cards work globally, but we charge a small exchange fee for non-euro transactions outside the EU.

2%
2%
2%
Card labels

Create custom labels for easy spend management.

Apple Pay and Google Pay

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

Instant card lock and unlock

Lock and unlock your cards in seconds.

Multiple users

Add multiple users – like your accountant – and manage their access rights.

Instant top-up

Add money instantly to your account via card payment.

2.5%
2%
2%

Investments

Earn up to 3.17 % p.a.¹ for your business

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

Connections

Lexware Office connection

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

DATEV connection

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

€6 / month
€6 / month
€6 / month

Business credit

Holvi Business Credit Card

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

By application, plans start from €6 / month

By application, plans start from €6 / month

1-month repayment plan

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

€6 /month card fee
€6 /month card fee
3-month instalment plan

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

€9 /month card fee
€9 /month card fee
6-month instalment plan

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

€12 /month card fee
€12 /month card fee
Credit line

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

Up to €5,000
Up to €5,000
Interest rate

We calculate annual percentage rate based on your credit rating when you apply for a credit card.

8 – 17% APR
8 – 17% APR
Automatic repayments

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.

Credit account statement

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

Invoicing and sales

Create, send and track invoices

Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.

E-invoice sending

Send up to 500 e-invoices and stay compliant with public sector clients. Sent e-invoices beyond those included in your plan are charged at €0.50 per e-invoice.

500 sent / month

500 sent / month

Payment-to-invoice matching

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

Contact management

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

Inventory management

Manage invoicing and online store items. Add product images, stock limits, discounts and more.

Online store

Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.

Online store tracking

Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.

Online sales collection

Your customers can pay using credit and debit cards. Money from sales goes right into your business account.

Business insights

Cashflow forecast

Enjoy quick visibility over your finances.

Income, expenses, profit and VAT summaries

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

VAT balance calculator

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

Daily and weekly business reports

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

Email, push and SMS notifications

Customise your notification settings and get notified of important events.

Expense management

Receipt scanning and storing

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

Bookkeeping preparation categories, VAT rates and notes

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

Expense claims

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

Bookkeeping & reports

Account statement

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

Smart transaction filters for easy bookkeeping prep

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

Add non-Holvi transactions

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

Bookkeeping reports

Accounting journal, general ledger, order lists.

Advanced reports and exports

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

Export account information via Dropbox

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

Customer care

Live chat and email support

Our support team is available to answer your questions via live chat on weekdays from 10:00-16:00. You can always reach us through our support request form. Our support team usually replies within one working day.

24/7 Solvi chatbot

To receive assistance with your existing Holvi account, please log in before using our chat support. To access the chat, click the “help” button in the bottom right corner of this page. Our chatbot, Solvi, is immediately ready to help you.

Banking and cards
Numbers of IBANs

Number of German IBANs with country code DE that are included free of charge. Create additional IBANs (max. 10) for €1 / month each.

2
SEPA transfers and direct debits per month

Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

500

€0.25 / extra transfer

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

SWIFT transfers incoming and outgoing

Easily send money abroad in euros to non-SEPA countries. Foreign currency transfers coming soon.

€6 / transfer
Physical debit cards

All our cards work with Apple Pay and Google Pay.

1

€3 / month per extra card (up to 5)

Virtual debit cards

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

1

€3 / month per extra card (up to 5)

Custom card spending limits

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

ATM withdrawals

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

2.5%
Foreign card usage

Holvi cards work globally, but we charge a small exchange fee for non-euro transactions outside the EU.

2%
Card labels

Create custom labels for easy spend management.

Apple Pay and Google Pay

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

Instant card lock and unlock

Lock and unlock your cards in seconds.

Multiple users

Add multiple users – like your accountant – and manage their access rights.

Instant top-up

Add money instantly to your account via card payment.

2.5%
Investments
Earn up to 3.17 % p.a.¹ for your business

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

Connections
Lexware Office connection

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

DATEV connection

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

€6 / month
Business credit
Holvi Business Credit Card

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

1-month repayment plan

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

3-month instalment plan

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

6-month instalment plan

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

Credit line

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

Interest rate

We calculate annual percentage rate based on your credit rating when you apply for a credit card.

Automatic repayments

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.

Credit account statement

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

Invoicing and sales
Create, send and track invoices

Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.

E-invoice sending

Send up to 500 e-invoices and stay compliant with public sector clients. Sent e-invoices beyond those included in your plan are charged at €0.50 per e-invoice.

Payment-to-invoice matching

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

Contact management

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

Inventory management

Manage invoicing and online store items. Add product images, stock limits, discounts and more.

Online store

Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.

Online store tracking

Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.

Online sales collection

Your customers can pay using credit and debit cards. Money from sales goes right into your business account.

Business insights
Cashflow forecast

Enjoy quick visibility over your finances.

Income, expenses, profit and VAT summaries

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

VAT balance calculator

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

Daily and weekly business reports

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

Email, push and SMS notifications

Customise your notification settings and get notified of important events.

Expense management
Receipt scanning and storing

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

Bookkeeping preparation categories, VAT rates and notes

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

Expense claims

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

Bookkeeping & reports
Account statement

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

Smart transaction filters for easy bookkeeping prep

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

Add non-Holvi transactions

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

Bookkeeping reports

Accounting journal, general ledger, order lists.

Advanced reports and exports

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

Export account information via Dropbox

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

Customer care
Live chat and email support

Our support team is available to answer your questions via live chat on weekdays from 10:00-16:00. You can always reach us through our support request form. Our support team usually replies within one working day.

24/7 Solvi chatbot

To receive assistance with your existing Holvi account, please log in before using our chat support. To access the chat, click the “help” button in the bottom right corner of this page. Our chatbot, Solvi, is immediately ready to help you.

Banking and cards
Numbers of IBANs

Number of German IBANs with country code DE that are included free of charge. Create additional IBANs (max. 10) for €1 / month each.

5
SEPA transfers and direct debits per month

Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

500

€0.25 / extra transfer

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

SWIFT transfers incoming and outgoing

Easily send money abroad in euros to non-SEPA countries. Foreign currency transfers coming soon.

€6 / transfer
Physical debit cards

All our cards work with Apple Pay and Google Pay.

3

€3 / month per extra card (up to 5)

Virtual debit cards

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

3

€2 / month per extra card (up to 10)

Custom card spending limits

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

ATM withdrawals

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

2%
Foreign card usage

Holvi cards work globally, but we charge a small exchange fee for non-euro transactions outside the EU.

2%
Card labels

Create custom labels for easy spend management.

Apple Pay and Google Pay

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

Instant card lock and unlock

Lock and unlock your cards in seconds.

Multiple users

Add multiple users – like your accountant – and manage their access rights.

Instant top-up

Add money instantly to your account via card payment.

2%
Investments
Earn up to 3.17 % p.a.¹ for your business

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

Connections
Lexware Office connection

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

DATEV connection

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

€6 / month
Business credit
Holvi Business Credit Card

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

By application, plans start from €6 / month

1-month repayment plan

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

€6 /month card fee
3-month instalment plan

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

€9 /month card fee
6-month instalment plan

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

€12 /month card fee
Credit line

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

Up to €5,000
Interest rate

We calculate annual percentage rate based on your credit rating when you apply for a credit card.

8 – 17% APR
Automatic repayments

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.

Credit account statement

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

Invoicing and sales
Create, send and track invoices

Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.

E-invoice sending

Send up to 500 e-invoices and stay compliant with public sector clients. Sent e-invoices beyond those included in your plan are charged at €0.50 per e-invoice.

500 sent / month

Payment-to-invoice matching

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

Contact management

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

Inventory management

Manage invoicing and online store items. Add product images, stock limits, discounts and more.

Online store

Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.

Online store tracking

Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.

Online sales collection

Your customers can pay using credit and debit cards. Money from sales goes right into your business account.

Business insights
Cashflow forecast

Enjoy quick visibility over your finances.

Income, expenses, profit and VAT summaries

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

VAT balance calculator

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

Daily and weekly business reports

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

Email, push and SMS notifications

Customise your notification settings and get notified of important events.

Expense management
Receipt scanning and storing

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

Bookkeeping preparation categories, VAT rates and notes

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

Expense claims

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

Bookkeeping & reports
Account statement

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

Smart transaction filters for easy bookkeeping prep

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

Add non-Holvi transactions

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

Bookkeeping reports

Accounting journal, general ledger, order lists.

Advanced reports and exports

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

Export account information via Dropbox

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

Customer care
Live chat and email support

Our support team is available to answer your questions via live chat on weekdays from 10:00-16:00. You can always reach us through our support request form. Our support team usually replies within one working day.

24/7 Solvi chatbot

To receive assistance with your existing Holvi account, please log in before using our chat support. To access the chat, click the “help” button in the bottom right corner of this page. Our chatbot, Solvi, is immediately ready to help you.

Banking and cards
Numbers of IBANs

Number of German IBANs with country code DE that are included free of charge. Create additional IBANs (max. 10) for €1 / month each.

5
SEPA transfers and direct debits per month

Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.

500

€0.25 / extra transfer

SEPA instant transfers

Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.

SWIFT transfers incoming and outgoing

Easily send money abroad in euros to non-SEPA countries. Foreign currency transfers coming soon.

€6 / transfer
Physical debit cards

All our cards work with Apple Pay and Google Pay.

3

€3 / month per extra card (up to 5)

Virtual debit cards

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

3

€2 / month per extra card (up to 10)

Custom card spending limits

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

ATM withdrawals

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

2%
Foreign card usage

Holvi cards work globally, but we charge a small exchange fee for non-euro transactions outside the EU.

2%
Card labels

Create custom labels for easy spend management.

Apple Pay and Google Pay

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

Instant card lock and unlock

Lock and unlock your cards in seconds.

Multiple users

Add multiple users – like your accountant – and manage their access rights.

Instant top-up

Add money instantly to your account via card payment.

2%
Investments
Earn up to 3.17 % p.a.¹ for your business

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

Connections
Lexware Office connection

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

DATEV connection

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

€6 / month
Business credit
Holvi Business Credit Card

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

By application, plans start from €6 / month

1-month repayment plan

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

€6 /month card fee
3-month instalment plan

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

€9 /month card fee
6-month instalment plan

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

€12 /month card fee
Credit line

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

Up to €5,000
Interest rate

We calculate annual percentage rate based on your credit rating when you apply for a credit card.

8 – 17% APR
Automatic repayments

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.

Credit account statement

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

Invoicing and sales
Create, send and track invoices

Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.

E-invoice sending

Send up to 500 e-invoices and stay compliant with public sector clients. Sent e-invoices beyond those included in your plan are charged at €0.50 per e-invoice.

500 sent / month

Payment-to-invoice matching

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

Contact management

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

Inventory management

Manage invoicing and online store items. Add product images, stock limits, discounts and more.

Online store

Start selling online in minutes with a hosted online store web domain and secure checkout portal. Customise your store for a branded look and feel.

Online store tracking

Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.

Online sales collection

Your customers can pay using credit and debit cards. Money from sales goes right into your business account.

Business insights
Cashflow forecast

Enjoy quick visibility over your finances.

Income, expenses, profit and VAT summaries

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

VAT balance calculator

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

Daily and weekly business reports

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

Email, push and SMS notifications

Customise your notification settings and get notified of important events.

Expense management
Receipt scanning and storing

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

Bookkeeping preparation categories, VAT rates and notes

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

Expense claims

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

Bookkeeping & reports
Account statement

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

Smart transaction filters for easy bookkeeping prep

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

Add non-Holvi transactions

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

Bookkeeping reports

Accounting journal, general ledger, order lists.

Advanced reports and exports

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

Export account information via Dropbox

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

Customer care
Live chat and email support

Our support team is available to answer your questions via live chat on weekdays from 10:00-16:00. You can always reach us through our support request form. Our support team usually replies within one working day.

24/7 Solvi chatbot

To receive assistance with your existing Holvi account, please log in before using our chat support. To access the chat, click the “help” button in the bottom right corner of this page. Our chatbot, Solvi, is immediately ready to help you.

¹ Net yield after fund manager fees, based on annualised 30-day performance (as of 31.12.2024). This estimate assumes consistent performance over the full year, though money market returns may vary with changing market conditions. The service fee for the investment offering is not included, as it’s waived until 31.03.2025.

Find more information on our pricing models for Holvi Lite and Holvi Pro

Additional VAT applies to all prices.

Investment brokerage under the liability and for the account of lemon.markets brokerage GmbH, Kottbusser Damm 79, D-10967 Berlin.

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