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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.
New customers can apply for a Holvi credit card once the business demonstrates an active business history of at least 6 months. This can be shown via your Holvi business account or an external account using Open Banking.
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 €50,000
- 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 €50,000
- €0 monthly – no monthly fee
- Repayment on your terms: pay in full at the end of the month for 0% interest, or use instalments at 18% p.a.
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 €50,000 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 €50,000 credit line. No individual loan pre-approval – for all life’s solo expenses.
Affordable
€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.
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.