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A credit card that helps run your business? Yes please.
A flexible credit card* designed for small businesses that brings financial freedom to your everyday life. Shop around the world and pay later. Starting at €0/month.
Holvi Business Credit Card
Pay anything, anywhere
The Holvi credit card is here for all your business expenses, big and small – even when balance is low. Introducing your new financial cushion.
- Business credit card – with credit line up to €5,000
- Pay worldwide – wherever Mastercard® is accepted
- Highest level of acceptance – for SaaS subscriptions, car rentals and hotel bookings
- Secure online payments – backed by Mastercard® 3D-Secure and Holvi’s bank-level security
Run your business with Holvi
Manage receipts & invoice clients
We created our credit card to work seamlessly with Holvi Pro. Manage all your finances in one account and stay tax ready – with expense management, unlimited invoicing and accounting features.
- Business account with Finnish IBAN
- Push notifications for card payments
- Scan and save receipts
- Manage and categorise expenses
- Create and send invoices & e-invoices
- Prepare accounting for tax time
Apple Pay & Google Pay
Fast and easy card-free payments
Now you can enjoy all the benefits of your Holvi card using Apple Pay or Google Pay™️. The fast, easy and secure way to pay in stores, apps and online with just a touch or a glance.
Extra time to pay – for free
You can easily get extra time to pay. If you pay your credit card bill in full by the end of the month, you won’t have to pay any monthly credit card fees or interest.
- Credit limit up to €5000
- €0 monthly payment when you pay your credit card bill by the end of the month
- 0% interest when you pay your credit card bill by the end of the month
- Need extra payment time? We only charge 16% interest if you want to pay your credit card bill by the end of the following month.
Want to pay back early? You can pay back your balance before your monthly statement – 100% interest-free.
Your financial cushion
A credit card with credit line up to €5,000 to spend as you like – to soften all life’s expenses.
✔️ Invest in your business
Fund projects you can’t afford upfront. Cover urgent expenses – like that new software licence you need for ongoing work.
✔️ Cover payment gaps
Fluctuating income? Clients paying late? Bridge payment gaps and keep business running smoothly.
✔️ Split larger expenses
Big purchases can put a dent in your cash flow. Split them into manageable instalments, and pay them off over time.
✔️ Buy time
With credit card transactions due at the end of next month, you have ample time to budget.
For the self-employed
Up to €5,000 credit line. No individual loan pre-approval – for all life’s solo expenses.
Affordable
Starting at €0/month and 0% interest if you pay your bill by the end of the month.
Monthly billing
You’ll get a monthly credit card statement with your repayment amount plus interest.
Secure
Notifications of payments, and lock and unlock the card in the Holvi app.
Available in 3 instalment plans
How much flexibility do you want? Choose how you repay your credit balance.
Repay in 3 instalments
€3 per month card fee*
- Split larger expenses
- Pay back this month’s expenses in 3 monthly instalments starting next month
- Or you can pay back in this month – interest-free
- Interest rates from 16%
- Credit limit of up to €5,000
- Virtual and physical card included
Repay in 6 instalments
€6 per month card fee*
- For more flexibility
- Pay back this month’s expenses in 6 monthly instalments starting next month
- Or you can pay back in this month – interest-free
- Interest rates from 16%
- Credit limit of up to €5,000
- Virtual and physical card included
Repay in 12 instalments
€12 per month card fee*
- For maximum flexibility
- Pay back this month’s expenses in 12 monthly instalments starting next month
- Or you can pay back in this month – interest-free
- Interest rates from 8% – 17%
- Credit limit of up to €5,000
- Virtual and physical card included
* Only available on our Holvi Pro pricing plan. Credit card fees are billed separately, in addition to the cost of Holvi Pro.
Top-security credit card
& business banking
Secure login and online card payments with 2FA and Mastercard® Identity Check™.
As a licenced payment institution, we follow the same strict security rules as a bank.
Lock and unlock cards in-app, get notified the moment a payment goes through.
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.