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 Holvi What is Holvi Pricing About us FAQ Log in ABOUT US Our story We founded Holvi in 2011, in Helsinki. As self-employed people wading through oceans of paperwork, we noticed something funny going on – traditional banks were giving us the cold shoulder. Why not help ourselves? We asked. And so, with time and effort (and lots of coffee), we mastered small business finance – and Holvi was born. Our vision is simple Eliminate the distractions of financial admin and simplify work life, because running a business is hard enough. You shouldn’t have to worry about spreadsheets and lost receipts. Life is a balancing act And self-employment is too. One that’s not limited to the standard 9–5. Strategy, marketing, tech, ops, finance – you need to know it all. Plus be your own personal HR manager and somehow find time for a life outside of work. Because your small business might be your livelihood, but it’s not your whole life. How Holvi helps Think of Holvi as your business’ financial home. With a business account and Holvi Business Mastercard®, invoicing and bookkeeping tools all in one place, Holvi eliminates the time-consuming distractions of financial admin, helping you to find balance as an entrepreneur. More time for actual work means you can clock off earlier, if you want. That’s work life simplified. 200,000+ small business owners trust Holvi 3 offices in Helsinki, Berlin and Madrid The fine print Holvi is a Financial Payment Institution operating as a Mastercard Principal member, meaning we issue our own Holvi Business Mastercard®. We’re authorised by the Finnish Financial Supervisory Authority (FIN-FSA) to operate within the European Economic Area (EEA). Work at Holvi Looking for something different? At Holvi, we’re changing the world of self-employment – one small business at a time. Open positions The Holvi blog Check out our blog for the latest tips, tricks and expert advice in business and entrepreneurship – just for small business owners like you. Read our blog 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. Holvi is regulated by the Financial Supervisory Authority of Finland as an Authorised Payment Institution. Terms of Service Privacy Policy Acceptable Use Policy Site Notice