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 + VAT1 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
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.
Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.
(By application)
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.
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.
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.
Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.
(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.
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.
The investment offering is currently only available for GmbHs and UGs.
Invoicing and sales
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
Level up your sales. Everything in Holvi Pro plus an online sales platform connected to your business account and bookkeeping.
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.
Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.
(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.
Manage transfers in-app. Transfers and direct debits beyond those included in your plan are charged at €0.25 per transfer.
Easily send money abroad in euros to non-SEPA countries. €6 per incoming/outgoing transfer. Foreign currency transfers coming soon.
The investment offering is currently only available for GmbHs and UGs.
Invoicing and sales
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 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.
Banking and cards
Number of German IBANs with country code DE that are included free of charge. Create additional IBANs (max. 10) for €1 / month each.
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
€0.25 / extra transfer
€0.25 / extra transfer
Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.
Easily send money abroad in euros to non-SEPA countries. Foreign currency transfers coming soon.
All our cards work with Apple Pay and Google Pay.
€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 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 globally, but we charge a small exchange fee for non-euro transactions outside the EU.
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.
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.
By application, plans start from €6 / month
By application, plans start from €6 / month
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.
A revolving credit line that refills as you repay your credit balance.
We calculate annual percentage rate based on your credit rating when you apply for a credit card.
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
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
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.
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.
Holvi Lite
Number of German IBANs with country code DE that are included free of charge. Create additional IBANs (max. 10) for €1 / month each.
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
Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.
Easily send money abroad in euros to non-SEPA countries. Foreign currency transfers coming soon.
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 globally, but we charge a small exchange fee for non-euro transactions outside the EU.
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.
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.
A revolving credit line that refills as you repay your credit balance.
We calculate annual percentage rate based on your credit rating when you apply for a credit card.
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).
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.
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.
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.
Holvi Pro
Number of German IBANs with country code DE that are included free of charge. Create additional IBANs (max. 10) for €1 / month each.
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
Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.
Easily send money abroad in euros to non-SEPA countries. Foreign currency transfers coming soon.
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 globally, but we charge a small exchange fee for non-euro transactions outside the EU.
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.
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.
By application, plans start from €6 / month
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.
A revolving credit line that refills as you repay your credit balance.
We calculate annual percentage rate based on your credit rating when you apply for a credit card.
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).
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.
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.
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.
Holvi Pro+
Number of German IBANs with country code DE that are included free of charge. Create additional IBANs (max. 10) for €1 / month each.
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
Receive instant transfers within the SEPA region. Coming soon: send instant SEPA transfers.
Easily send money abroad in euros to non-SEPA countries. Foreign currency transfers coming soon.
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 globally, but we charge a small exchange fee for non-euro transactions outside the EU.
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.
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.
By application, plans start from €6 / month
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.
A revolving credit line that refills as you repay your credit balance.
We calculate annual percentage rate based on your credit rating when you apply for a credit card.
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).
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.
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.
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.