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 100% online

Your business in plain sight – for the price of 2 fancy coffees

Sure, you can 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
  • Free Holvi Business Mastercard®
  • Free transfers*
  • Holvi Business Mastercard® included
  • Scan and store receipts
  • Keep an eye on your business numbers

More than just a free business account

Holvi Lite

€9 /month

Get control of your business finances. Manage payments and stay on top of the numbers.

  • Business banking
  • 1 Business Debit Card
  • 1 Virtual Card
  • Scan & store receipts
  • Real-time profit/loss*
  • Real-time VAT balance*
  • Apple Pay & Google PayTM

Holvi Pro

€15 /month

Simplify work life. Manage banking, expenses, invoicing and accounting – all in one account.

Everything Holvi Lite offers plus:

  • 3 Business Debit Cards
  • Business Credit Card (apply now)
  • 1 Virtual Card
  • Invoicing & e-invoicing
  • Payment-to-invoice matching
  • Bookkeeping preparation
  • Export reports for tax filing
  • Accounting integrations – or invite your accountant
  • Cheaper ATM & FX fees

Holvi Zen

€79 /month

Find total peace of mind – with a certified accountant to handle taxes. Focus on business, Holvi does the rest. Available for sole traders in Finnish.

Everything in Holvi Pro plus:

  • Your accounting is done by a certified accountant
  • Personal tax support
  • Never miss a tax deadline – we take care of VAT declaration and payments

You’ve earned more than a free business account

  • Finnish IBAN, just like traditional business accounts
  • 500 free transfers in euros (SEPA area)
  • Schedule payments and set recurring payments
  • Add more users to your account – share with your accountant or team
  • Download reports directly from your account
  • Lock and unlock your card
  • Forgot your PIN? Retrieve it in the Holvi mobile app
  • Your account is secured with 2-factor authentication
  • Mastercard® Identity Check ™ 3D Secure technology keeps your card secure
  • Order additional cards for the 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 your bank credentials.

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 1 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 expense management.