Banking for Makers and Doers

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Business account &
Holvi Business MasterCard®

Holvi is a business current account with its own international bank account number (IBAN). Our accounts and the Holvi Business MasterCard cards are available for our customers in Germany, Austria and Finland.

  • Quick and safe payments with your Holvi card both online and in stores
  • Scan your receipts on the go and categorise them automatically in Holvi
  • Make the monthly receipt hunt a thing of the past
  • Keep informed at all times with real-time notifications of each card transaction
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Paperless bookkeeping

All transactions and data in your Holvi account are presented in a simple, human-readable format. Holvi account collects your bookkeeping in an easy format for your accountant.

  • Automatic financial reports that save your time
  • Your VAT balance is updated in realtime as you use the account
  • You can share your Holvi account with your accountant or team members
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Business apps

In addition to business banking and bookkeeping, Holvi account has powerful business apps that make running your business finances easier.

  • Easy online store with great design
  • Professional invoicing system with automatic payment tracking
  • Expense claim system to reimburse e.g. travel cost
  • Dropbox integration to export your bookkeeping
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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 of MasterCard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd (“WDCS”) pursuant to licence by MasterCard International Inc. WDCS is authorised by the Financial Conduct Authority (UK) to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051).


Independently regulated

Holvi is fully regulated and licenced as a Payment Institution to operate across the Eu by the Financial Supervisory Authority (FIN-FSA) of Finland. We are supervised by the same authority as traditional banks and follow strict security standards. We use the latest tools and techniques to secure our systems. This guarantees your money is always protected and secure.

Your money is your money

As per the EU Payment Services Directive (2007/64/EC) and the Finnish Payment Institutions Act Holvi customer funds are kept segregated from Holvi company funds. In the unlikely case of insolvency there is neither risk nor delays. You can just transfer your funds at all times.

"Holvi allows us to easily manage our financial operations. It’s great that invoicing tool is integrated into the online banking service, which makes it very convenient to follow the payment status of invoices. With the income and expense categories, we can have a complete overview of all money movements and see the full picture of our financial situation. Traditional banks don’t provide the features that Holvi has."

Design agency Secret Synapse

"The best part is how simple it is to create and run an online store on Holvi. It’s super easy to use. Plus, Holvi’s customer support is amazing."

Entrepreneur and musician Juha Pekka Tapani Heikkinen

"We have been using Holvi since the very early days of our startup. It serves well our current needs and it’s very easy to use. For us, Holvi is a very simple accounting tool that allows us to keep track of our overall balance."

Tech startup The O

Ready to start? Open your Holvi account now!

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