Cookies at Holvi.com We use cookies to personalise content and ads, to provide social media features and to analyse our traffic. We may share information about your use of our site with our social media, advertising and analytics partners. Read our Cookie Policy Accept and close Control Cookies Holvi What is Holvi Pricing About us FAQ Log in Our premium business credit card is coming soon – more features, more financial freedom. Join the waitlist Your all-in-one account for self-employment Banking, invoicing and bookkeeping – plus credit (coming soon). All in one place, so you can focus on what matters. That’s work life simplified. Open account All features Mobile banking A business account with IBAN and up to 500 free transfers per month. Business account Pay worldwide Pay conveniently with your Holvi Business Debit Mastercard®. Manage expenses in real time. Business Mastercard® Invoice clients Create and send invoices easily from your business account. Get notified the moment you’re paid. Online invoicing Easy bookkeeping Scan expense receipts on the go, add missing details and export your data – all set for tax time. Online bookkeeping We small business Holvi makes self-employment a little easier. If you’re one of these business types, Holvi is for you. Solo workers Sole traders looking to simplify work life with easy invoicing, expense management and bookkeeping tools. Micro businesses 1–9 employees. Self-employed people and small teams looking to manage team spending and scale smart. Small businesses 10–50 employees. Established small businesses looking to streamline operations and gain financial clarity. Smarter small business banking See how much money is yours in real time Imagine your business account always knows how much VAT you need to set aside for taxes, and what your balance will be in two weeks. With Holvi, you can manage cash flow in real time and see how finances are doing, at a glance. VAT calculator: Shows how much you have to save for tax time Real-time profit: Shows how much revenue is left after expenses Balance forecast: Shows your upcoming balance based on scheduled transactions in and out – so you always stay ahead of the curve Discover business account Integrated online invoicing Billing clients, so easy with Holvi Send invoices to your customers directly from your business account. We’ll let you know when an invoice is paid and alert you of overdue invoices. Create, send and track invoices online Get notified the moment an invoice is paid Inbound payments auto-match to invoices Downloadable income reports Discover invoicing Bookkeeping & tax preparation Prep for tax time effortlessly on the go With Holvi, bookkeeping is so easy you won’t even know you’re doing it. We take the stress out of tax time. Scan receipts in the Holvi mobile app Categorise income and expenses, add VAT and notes Download reports to simplify tax declarations Or share bookkeeping data with your accountant online Discover bookkeeping Holvi premium business credit card More financial freedom? Yes please. Flexible repayment options for more financial freedom – plus primo card features to help you manage expenses and run your business. Holvi’s premium credit card is coming soon. Discover Holvi credit Open an account online or in-app Get up and running in just a few days. 1. Confirm your identity online (via ID check) 2. Fill in your company information 3. Choose your plan Open account online Happy Holvi customers A nutritionist shares her recipe for financial wellbeing ‘Holvi has been invaluable in helping me follow cash flow in an easy, visual way – in real time!‘ Read story A kombucha startup owner finds balance in work life ‘Holvi got our business up and running smoothly – and it’s still making life easier every day.’ Read story Albert loves marketing. But paperwork? Not so much. ‘I can manage most of my finances on the go from my phone. No need to put things off till I get home.’ Read story Holvi Business Debit Mastercard® Team cards – made for small businesses Pay and manage your team’s business expenses conveniently with Holvi company cards. Avoid the hassle of expense reports and manage company finances – all in one place. Discover Holvi Business Mastercard® Clear and simple pricing Holvi Lite €6 /month Get a better view on your business finances. Manage payments and stay on top of the numbers. Business banking Business Debit Mastercard® Scan & store receipts See your profit* VAT balance in real time* Learn more Previous Next *For an accurate estimation and/or proper accounting you need to add all your business transactions to Holvi. Still curious? Find answers to your questions in our Help Centre, or contact Holvi Support. Visit Help Centre About us We’ve lived and learned the entrepreneur life. Now we’re here to simplify yours. Who is Holvi? How it works Holvi has you covered – from business account, to invoicing, to bookkeeping. Find out more Country Europe Germany Finland Austria What is Holvi Business account and card Credit card (coming soon) Invoicing Bookkeeping Holvi mobile app Pricing Testimonials Support Holvi Status Page Help Centre Blog Company About us Careers Press Code of conduct for suppliers Facebook Instagram Twitter Youtube Linkedin Holvi Payment Services Ltd is regulated by the Financial Supervisory Authority of Finland as an Authorised Payment Institution. The current account issued by Holvi is a payment account and the funds held on the account are managed as segregated customer funds. Funds on the payment account are not covered by deposit insurance and the funds do not accrue interest. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Card is issued by Holvi Payment Services Oy (“Holvi”) pursuant to licence by Mastercard International Inc. 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