Holvi is more than just a business account and business Mastercard®. With online invoicing, e-invoicing, expense management, and an interest-bearing business account, Holvi is your new financial home. Dig down into financial details, prepare bookkeeping, and get ready for tax time with the full suite of tools on the Holvi web app.

NEW! Features for effortless money management

✔️ Interest-bearing business account: Put your business funds to work. Earn up to 1.5% interest on your payment account balance, calculated daily and paid out monthly. (FI only)
✔️ Multiple payment accounts: Create accounts with unique IBANs (subaccounts) for different projects, income streams, or tax reserves. Transfer money between your own accounts instantly.
✔️ Connect accounts from other banks to get a full financial overview
✔️ Earn yield on your business funds: With Holvi, businesses can park cash flexibly, withdraw it easily when needed – and benefit from ongoing returns. (DE only)
✔️ Hassle-free account switching: Switch your business account to Holvi in minutes. Our free service, powered by Qwist, moves your direct debits and standing orders and notifies partners –no paperwork required. (DE only)
✔️ Digital company formation: Found your GmbH or UG quickly and easily. Use our express digital formation packages (starting from €99) to create documents and secure a short-notice notary appointment. (DE only)

Business banking for freelancers & the self-employed

✔️ Business account with IBAN*
✔️ Unlimited transfers within Europe (SEPA)
✔️ Send and receive international transfers in 18 currencies
✔️ Keep a clear overview of finances
✔️ Open an account 100% online in the Holvi app

Pay expenses – Holvi Business Mastercard®

✔️ Holvi Business Mastercard® included
✔️ Debit card for worldwide payments and cash withdrawals
✔️ Invite team members to manage their expenses with their own cards and permissions.
✔️ Secure online payments with Mastercard® Identity Check™
✔️ Lock & unlock card and retrieve PIN via the app

Collect earnings – easy online invoicing & sales

✔️ Create and send invoices & e-invoices (ZUGFeRD/XRechnung)in the Holvi app
✔️ Invoice reminders: Automatically send reminders for overdue invoices to get paid faster.
✔️ Start selling online with your integrated Online Store (payments go straight to your Holvi account)
✔️ Get real-time notifications on paid invoices
✔️ Track the status of your invoices in the app
✔️ Incoming payments are matched with invoices

Manage money – small business bookkeeping & expert support

✔️ Manage expenses – save receipts via the app
✔️ Categorise transactions and prepare accounting
✔️ See real-time VAT balance and cash flow projection
✔️ Full-Service Accounting: Option to add Holvi Zen or Zen+ in Finland to outsource your bookkeeping, VAT, and tax filing to a professional accountant for a fixed monthly fee. Service is available in Finnish and English.
✔️ Payroll: Manage salary payments directly via Palkkaus.fi integration.
✔️ Connect to your accounting software (e.g., Netvisor) to automate data transfer
✔️ Download accounting reports (PDF/CSV)

*Holvi offers Finnish and German IBANs, depending on the user’s country of residence.
Over 35k small businesses in Europe use Holvi to simplify work life. Open your business account in the Holvi app today - and calm the chaos of self-employment.

This is Holvi

Holvi was founded in Helsinki in 2011, by entrepreneurs for entrepreneurs. We are a payment service provider authorised by the Finnish Financial Supervisory Authority (FIN-FSA) to operate throughout the European Economic Area (EEA). We keep our customer funds in top-rated European partner banks, where they are protected under the applicable deposit insurance scheme.