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Holvi in short

Holvi was founded in 2011 in Helsinki, Finland and is led by CEO Antti-Jussi Suominen.

This is banking for Makers and Doers, built by entrepreneurs for entrepreneurs. Unlike the dinosaurs in the financial world, Holvi is providing a place for starting, running and growing a business.

What’s included?

A business current account with International Bank Account Number (IBAN) combined with a Holvi Business Mastercard and the tools to grow your business.

With Holvi you can manage everything from selling online and invoicing customers to managing expenses and automating bookkeeping. All in one simple to use offering.

There’s no more having to purchase subscriptions to expensive accounting software and manually copy and categorise transactions from your business account.


Holvi is from entrepreneurs, for entrepreneurs. We are driven about ideas and the people who make them happen. We want to take away the difficulties of business admin so those people can focus on building and growing something special.

The user is always at the heart of what we do. Our purpose is and always will be to create effortless business banking for real people, something they care about and something they genuinely want to use. To do this, we are introducing intuitive design, usability and beauty to banking.

Makers and Doers

There are over 40 million small business owners, freelancers, sole traders, project workers, and entrepreneurs in Europe. Nine out of ten businesses in Europe are micro-enterprises and nearly 80% of all jobs are created by small and medium enterprises.

These Makers and Doers are currently being limited by traditional banking and the everyday complexity related to managing their finances. Holvi is changing this by providing a digital banking service to help small businesses take care of their finances in a simple and intuitive way. We want to help business, not hinder it.

Origins of “Holvi”

The word “Holvi” comes from the Finnish word which translates to “vault” in English. The Holvi infrastructure is built on the principle of combining the qualities of an impenetrable vault with a unique, easy-to-use UI.


We are a licensed payment institution authorised by the Financial Supervisory Authority (FSA) of Finland for operations across the EU under the Payment Service Directive.

Holvi is entirely independent and does not operate on the backend of any existing bank.

Press Inquiries

Philipp Seidel
Head of PR / +49 176 46082909