Holvi the business current account: Modern digital banking for freelancers and entrepreneurs

Modern digital banking for freelancers and entrepreneurs

Get a complete set of business management tools in one easy-to-use current account.

Open account

Can your bank do this?

Holvi makes it easy to manage your business finances with powerful integrated tools like digital invoicing, bookkeeping preparation and the auto-expensing Holvi Business Mastercard®. It’s the business current account that gives you back your time.

More than your average business current account

Smart invoicing

Create and send digital invoices for your business in seconds. Get notified the moment they’re paid.

An account just for business

Stop using your personal bank account to run your business – with Holvi, your personal finances are always kept separate.

The Holvi Business Mastercard®

Stay on top of your cash flow with the powerful payment card that connects directly to your Holvi account.

Sell products and services online

Create an online store for your business in minutes, and give your customers more ways to pay.

Multiple account users

Give account access to your entire team – plus your partners, bookkeeper and accountant.

Effortless expense management

Save time on bookkeeping and expense reporting with powerful automated tools to manage your finances.

No more lost receipts

Make a payment with your Holvi Business Mastercard, and the information is automatically saved and categorised for instant expense reporting. Just upload your receipt with your phone’s camera, and let Holvi take care of the rest.

A better way to get paid

Holvi makes it easy to create, send and track invoices for your business. Whether you’re billing for your time or selling a new product, Holvi’s powerful invoicing tool makes getting paid a breeze.

Give your customers more ways to pay

Holvi makes it easy to accept payments online via credit card, SEPA transfer, SumUp and even your very own online store.

Real-time cash flow

With the Holvi mobile app, you’ll know right away when an invoice has been paid or your Holvi Business Mastercard has been used. So on the couch or on the go, you’re always up to date.

Join a community of thriving entrepreneurs

Get access to our expert customer support team, and join a growing community of entrepreneurs from around the world.

And don’t take our word for it: get to know some of our members, and find out how Holvi has made their lives easier.

Hear more from our customers

Security at Holvi


In accordance with the Finnish Payment Institution Act and the EU Payment Services Directive, Holvi customer funds are always kept separate from Holvi company funds.


Holvi utilises the latest technology to secure its systems, including two-factor authentication, TLS/ SSL encryption and Mastercard® Identity Check™ 3D Secure authentication.


Holvi is licensed and regulated by the Financial Supervisory Authority of Finland (FIN-FSA). Operating across the EEA, it follows the same strict security standards as traditional banks.