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 Flex
0 €
0 €
/monthOnly available as a monthly plan
The business account with essential payment features. Pay only for what you need and stay flexible.
Banking and cards
Create additional IBANs (max. 10) for €2/month each.
Pay online and with Apple Pay and Google Pay – also in store. Classic cards €3/month each.
Send and receive instant payments in the SEPA area – no extra fees.
(by application)
Ideal for those with a low volume of payments, such as side businesses and self-employed individuals. Transactions between Holvi accounts are free of charge.
Send and receive payments in 18 currencies – without the need for third-party providers.
The investment offering is currently only available for GmbHs and UGs
Invoicing and sales
Expenses and bookkeeping
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.
As a PDF, .xslx, or as an electronic bank statement in camt.052 format.
Holvi Lite
9 € 4,5 €
9 €
/month + VAT1 year subscription, monthly billing
Everything from Holvi Flex, plus more IBANs, more cards, transactions and expense management.
Banking and cards
Up to 2 German IBANs (country code DE) included. Create additional IBANs (max. 10) for €1 / month each.
All our cards work with Apple Pay and Google Pay. Maximum 5 physical cards and 5 virtual cards.
Send and receive instant payments in the SEPA area – no extra fees.
(By application)
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
Send and receive payments in 18 currencies – without the need for third-party providers.
The investment offering is currently only available for GmbHs and UGs.
Invoicing and sales
Upload received e-invoices to check, pay and archive them in a legally compliant way.
Expenses and bookkeeping
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.
Connect Holvi with Lexware Office bookkeeping software, automatically synchronise your transactions and simplify bookkeeping.
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
Standard reports: Account statement, accounting journal, general ledger, order lists.
Holvi Pro
15 € 9 €
15 €
/month + VAT1 year subscription, monthly billing
Everything from Holvi Lite, plus more payment cards, e-invoicing and advanced accounting features.
Banking and cards
Up to 5 German IBANs (country code DE) included. Create additional IBANs (max. 10) for €1 / month each.
All our cards work with Apple Pay and Google Pay. Maximum 5 physical cards and 10 virtual cards.
Send and receive instant payments in the SEPA area – no extra fees.
(By application)
Get a free credit card with up to €5000 credit limit. €0 fees, 0% interest on end-of-month repayments. Other repayment options available for an additional fee.
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
Send and receive payments in 18 currencies – without the need for third-party providers.
The investment offering is currently only available for GmbHs and UGs.
Invoicing and sales
Upload received e-invoices to check, pay and archive them in a legally compliant way.
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.
Expenses and bookkeeping
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.
Connect Holvi with Lexware Office bookkeeping software, automatically synchronise your transactions and simplify bookkeeping.
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
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.
A clear view of your VAT balance in real-time.
Holvi Pro+
18 € 15 €
18 €
/month + VAT1 year subscription, monthly billing
Generate more revenue. Everything from Holvi Pro, plus a seamlessly integrated sales platform.
Banking and cards
Up to 5 German IBANs (country code DE) included. Create additional IBANs (max. 10) for €1 / month each.
All our cards work with Apple Pay and Google Pay. Maximum 5 physical cards and 10 virtual cards.
Send and receive instant payments in the SEPA area – no extra fees.
(By application)
Get a free credit card with up to €5000 credit limit. €0 fees, 0% interest on end-of-month repayments. Other repayment options available for an additional fee.
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
Send and receive payments in 18 currencies – without the need for third-party providers.
The investment offering is currently only available for GmbHs and UGs.
Invoicing and sales
Upload received e-invoices to check, pay and archive them in a legally compliant way.
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.
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
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.
Connect Holvi with Lexware Office bookkeeping software, automatically synchronise your transactions and simplify bookkeeping.
Snap, sort and save receipts in-app, forever – add categories and quick notes to stay tax ready
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.
A clear view of your VAT balance in real-time.
Personal support
You can reach us easily via direct message. 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.
Banking and cards
Number of German IBANs with country code DE included free of charge. Create additional IBANs (max. 10) for €2/month (Holvi Flex) or €1/month (all other pricing models).
Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 per transaction
€0.25 / extra transfer
€0.25 / extra transfer
€0.25 / extra transfer
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.
€3 / month per card (up to 5)
€3 / month per extra card (up to 5)
€3 / month per extra card (up to 5)
€3 / month per extra card (up to 5)
Make online payments with virtual cards and use them in-store with Apple Pay and Google Pay.
€3 / month per additional card (up to 5)
€3 / month per extra card (up to 5)
€2 / month per extra card (up to 10)
€2 / month per extra card (up to 10)
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.
Add multiple users – like your accountant – and manage their 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.
Investments
The investment offering is currently only available for GmbHs and UGs.
Connections
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.
Business credit
Cover short-term gaps in cashflow and invest in your business.
Upon request
Upon request
0% APR
0% APR
Repay this month’s spending at the end of next month.
16% APR
16% APR
Repay this month’s spending in 3 equal instalments spread over 3 months.
16% APR
16% APR
Repay this month’s spending in 6 equal instalments spread over 6 months.
16% APR
16% APR
Repay the current month’s expenses in 12 equal installments over 12 months
16% APR
16% APR
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).
Invoicing and sales
Upload received e-invoices to check, pay and archive them in a legally compliant way.
Create, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
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
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
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.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using credit and debit cards. Money from sales goes right into your business account.
Business insights
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.
Expense management
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.
Bookkeeping & reports
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.
Customer care
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.
Holvi Flex
Number of German IBANs with country code DE included free of charge. Create additional IBANs (max. 10) for €2/month (Holvi Flex) or €1/month (all other pricing models).
Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 per transaction
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.
€3 / month per card (up to 5)
Make online payments with virtual cards and use them in-store with Apple Pay and Google Pay.
€3 / month per additional card (up to 5)
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.
Add multiple users – like your accountant – and manage their 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.
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, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
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.
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
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.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using credit and debit cards. Money from sales goes right into your business account.
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.
Holvi Lite
Number of German IBANs with country code DE included free of charge. Create additional IBANs (max. 10) for €2/month (Holvi Flex) or €1/month (all other pricing models).
Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 / extra transfer
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.
€3 / month per extra card (up to 5)
Make online payments with virtual cards and use them in-store with Apple Pay and Google Pay.
€3 / month per extra card (up to 5)
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.
Add multiple users – like your accountant – and manage their 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.
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, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
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.
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
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.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using credit and debit cards. Money from sales goes right into your business account.
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.
Holvi Pro
Number of German IBANs with country code DE included free of charge. Create additional IBANs (max. 10) for €2/month (Holvi Flex) or €1/month (all other pricing models).
Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 / extra transfer
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.
€3 / month per extra card (up to 5)
Make online payments with virtual cards and use them in-store with Apple Pay and Google Pay.
€2 / month per extra card (up to 10)
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.
Add multiple users – like your accountant – and manage their 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.
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.
Upon request
0% APR
Repay this month’s spending at the end of next month.
16% APR
Repay this month’s spending in 3 equal instalments spread over 3 months.
16% APR
Repay this month’s spending in 6 equal instalments spread over 6 months.
16% APR
Repay the current month’s expenses in 12 equal installments over 12 months
16% APR
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, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
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
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
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.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using credit and debit cards. Money from sales goes right into your business account.
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.
Holvi Pro+
Number of German IBANs with country code DE included free of charge. Create additional IBANs (max. 10) for €2/month (Holvi Flex) or €1/month (all other pricing models).
Manage transfers in-app. Incoming and outgoing transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
€0.25 / extra transfer
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.
€3 / month per extra card (up to 5)
Make online payments with virtual cards and use them in-store with Apple Pay and Google Pay.
€2 / month per extra card (up to 10)
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.
Add multiple users – like your accountant – and manage their 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.
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.
Upon request
0% APR
Repay this month’s spending at the end of next month.
16% APR
Repay this month’s spending in 3 equal instalments spread over 3 months.
16% APR
Repay this month’s spending in 6 equal instalments spread over 6 months.
16% APR
Repay the current month’s expenses in 12 equal installments over 12 months
16% APR
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, preview and send invoices as PDF attachments via email or download to send later. Track invoice activity in-app.
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
We’ll match incoming payments to your sent invoices based on reference number.
Manage contacts from banking, invoicing and online store – all in one place.
Manage invoicing and online store items. Add product images, stock limits, discounts and more.
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.
Analyse traffic and optimise your store using Google Analytics 4 (GA4), Google AdWords conversion ID and Facebook pixel ID.
Your customers can pay using credit and debit cards. Money from sales goes right into your business account.
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.
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¹ Net yield after fund manager fees, based on annualised 30-day performance (as of 10.06.2025). 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 30.06.2025.
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.