Looking for a free business account?

As a small business owner, you don’t want to spend more money than necessary. Our business account isn’t free – but with the time and money it saves you, Holvi more than pays off.

  • Business account for the self-employed
  • Banking with the Holvi app
  • Low cost, flat monthly rate
  • Open account online

Your business in plain sight – for the price of 2 oat milk lattes

Sure, you could open a free business account – or one that helps you keep business finances effortlessly under control. That’s why Holvi exists. Because why sacrifice on a business account? Here’s what you get for the cost of just two oat milk lattes a month:

  • Business account for the self-employed
  • Unlimited free transfers in euros
  • Holvi Business Debit Card included
  • Scan and store receipts
  • Keep an eye on your business numbers

More than just a free business account

Holvi Lite

€9 /month

Get a better view on your business finances. Manage payments and stay on top of the numbers.

  • Business banking
  • Business Debit Mastercard®
  • Scan & store receipts
  • See your profit in real time*
  • VAT balance in real time*

Holvi Pro

€15 /month

Lighten the load of running your business. Make managing expenses, invoicing and accounting a breeze – everything in one account.

Everything Holvi Lite offers plus:

  • Invoicing & e-invoicing
  • Payment matching – get notified of paid invoices
  • Prepare & export transactions for tax filing

*For an accurate estimation and/or proper accounting you need to add all your business transactions to Holvi.

You deserve more than a free business account

  • Get a business account with German IBAN
  • Unlimited transfers in euros (SEPA payments)
  • 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
  • DATEV and lexoffice connections
  • Order additional cards for your whole team

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 your Holvi business account

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.

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


We are constantly developing Holvi to help make your independent lifestyle a little easier. In order to offer you the product you know and value, and to further develop and improve it, we’ve redesigned our pricing models. Holvi will remain affordable to all self-employed people, to every freelancer. In our minds, no business is too small to deserve the best business account.

On 4 March 2021, we introduced new pricing models. We replaced Starter with Holvi Lite for €9/month.

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 online bookkeeping.