Holvi – Business banking

Holvi is more than just a business account and business Mastercard®. With online invoicing, e-invoicing and expense management tools in one powerful online business account, the Holvi mobile app lets you run your business on the go – because your business stays with you, wherever you go. Dig down into financial details, prepare bookkeeping and get ready for tax time with the full suite of tools on the Holvi web app. Welcome to your business’ new financial home.

NEW Now you can create multiple payment accounts with one Holvi login.

Create accounts with unique IBANs (subaccounts) for different projects, sources of income or tax reserves.You can also transfer money between your own accounts instantly. This makes it even easier to manage your finances!
You decide how you want to use these additional accounts. You can:

✔️Monitor budgets and customers by creating your own accounts
✔️Set aside sales tax so you don't accidentally spend it
✔️Use your own IBANs for different income streams
✔️Save money for larger expenses in a separate account

Business banking for freelancers & the self-employed

✔️ Business account with IBAN*
✔️ Unlimited transfers within Europe (SEPA)
✔️ 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
✔️ Secure online payments with Mastercard® Identity Check™
✔️ Lock & unlock card and retrieve PIN via the app

Collect earnings – easy online invoicing

✔️ Create and send invoices & e-invoices in the Holvi app
✔️ 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

✔️ Manage expenses – save receipts via the app
✔️ Categorise transactions and prepare accounting
✔️ See real-time VAT balance and cash flow projection
✔️ Download accounting reports (PDF/CSV), or share via Dropbox

*Holvi offers Finnish and German IBANs, depending on the user’s country of residence.

Over 200,000 freelancers and entrepreneurs 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.