Starter – Germany’s free business account

Calm the chaos of self-employment – at no monthly cost. Stress-free business banking.

  • All-in-one business account
  • Easy-to-use mobile app
  • Open account – 100% online
  • No monthly cost – cancel anytime

All your business, under one roof – stress free

Starting a business is scary, but Holvi can help. Work life starts in your free Holvi business account. With a card, online invoicing and expense management, Starter has all you need to get going.

  • Free business account with German IBAN
  • Free Holvi Business Mastercard®
  • Unlimited transfers
  • 3 free invoices per month
  • Expense management tools, so you stay tax ready

Invoices that get you paid, fast

It’s not a real business until you get paid. You’ve worked hard, now collect earnings effortlessly with Holvi online invoicing.

  • Boost brand with professional-looking invoices
  • Create, send, track and store invoices
  • Save contacts and products/services for fast, easy billing
  • Run income reports, stay tax ready
  • 3 free invoices per month

Expense management, without the time cost

Automate everyday bookkeeping tasks to lighten the load. Stay tax ready, without ever opening a spreadsheet.

  • Snap, sort and save receipt capture
  • Categorise expenses for easy bookkeeping
  • Run income and expense reports
  • See real-time cash flow in Holvi dashboard
  • Invite your accountant

Is Starter for you?

Starter has everything you need to get your business up and running – fast and easy, with no monthly subscription. If you’re:

  • Launching your own small business
  • Freelancing on top of the regular 9–5
  • Looking to invoice just a few clients per month
  • Planning to stay small and hone your skills, stress free

Simplify your small business startup

  • Business account with German IBAN
  • Unlimited SEPA transfers
  • Add as many users as you want
  • Schedule payments and set up recurring payments
  • Download financial statements with just a few taps
  • Lock and unlock your card online
  • Forgot PIN? See it in the Holvi mobile app
  • Card safety with Mastercard® Identity Check™ 3D Secure
  • Keep your account safe with two-factor authentication (2-FA)
  • Order additional cards for your whole team

And when you grow, Holvi grows with you

You can add features on to Starter as you need, or upgrade to Grower for:

  • Everything in Starter plus
  • Unlimited invoicing – create, send and track your bills
  • Unlimited e-invoicing – bill the Federal Government and public sector clients
  • Holvi Business Mastercards for your team – up to 3 cards
  • Cheaper atm fees – 2% cash withdrawal

Biometric login

Fingerprint or Face ID login keeps access to your Holvi account safe and simple.


From 2-FA to 3D Secure, we use the latest SCA tech to protect your TLS-encrypted account.

Bank-level security

Your money is safe with us. Bank-level security means your funds are always protected.

Open a free business account online –
as simple as 1, 2, Holvi

1. Hi, nice to meet you!

Share a few details and verify your identity with a quick video call.

2. So what do you do?

Add some company info to help us verify your business.

3. Let’s work together.

Choose your pricing plan. Start using Holvi and simplify your work life – at no monthly cost.

Ernährungsberaterin Leena Putkonen nutzt das Holvi Geschäftskonto.

‘Having a separate business account makes life simpler – and so does the Holvi Business Mastercard. Now I don’t need to sift through my personal records to find business expenses. Everything is there in plain sight.’

Leena Putkonen, Nutritional Therapist


€0 /month

Starting a new business or side-gigging on top of the 9–5? Starter is for you.

  • Free business account
  • Holvi Business Mastercard® – 1 card
  • Send 3 invoices/month
  • Snap, sort and save receipts for tax time


€12 /month

Up and running with your own full-time business? Grower is for you.

  • Everything in Starter plus
  • Holvi Business Mastercard® – up to 3 cards
  • Unlimited invoicing & e-invoicing
  • Atm cash withdrawal at 2%


Holvi is online business banking for the self-employed. As a licensed payment institution, Holvi does not offer overdrafts or other forms of lending or loans.

This means you can never spend more than you have. You’ll need sufficient funds to make a purchase or send a payment. Check your balance quickly in the Holvi app, and scan your finance forecast in Holvi dashboard.

Your Holvi Business Mastercard® is a debit card. It’s linked to your Holvi business account, so no need to manually load it. As income flows in, your balance grows and you can use your card to pay expenses. Having everything in one place keeps life simple.

You can receive money via SEPA transfer in euros. Connect your account to payment terminals like SumUp to accept card payments.

Yes. Our partner IDnow carries out the identity check. They accept ID cards and passports from other countries. However, not all ID cards and passports have the necessary security features. If you’re concerned about whether your ID will be accepted, please contact our support team. Drivers’ licenses, residence permits or provisional ID cards are unfortunately not suitable for the identity check.

Still curious?

Find answers to your questions in our Help Centre, or contact Holvi Support.

About us

We’ve lived and learned the entrepreneur life. Now we’re here to simplify yours.

How it works

Holvi is all you need – from business account, to online invoicing, to expense management.