Business Current Account

Focus on doing what you love. Everything from banking to invoicing in one simple service.

Business Current Account

A business account that’s,
made for entrepreneurs

Your digital business current account

– All the payment features of a traditional bank account.
– Easy to use on desktop and mobile.
– Fast and secure bank transfers.

Integrated money management tools

– Money collection tools: invoicing tool and online store.
– Expense management tools: Holvi Business Mastercard and Holvi mobile app.
– Paperless bookkeeping features: save source documents digitally.


IBAN business current account

Make fast and secure bank transfers with a few clicks. Holvi is a secure business account the follows the European wide IBAN-standard.

Enjoy all the payment features of a traditional bank account combined with money management tools designed for your business. Holvi has it’s own bank Identification Code (IC): HOLVFIHH. 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 the same strict security standards. Holvi employs the latest tools and techniques to secure our systems. This guarantees your money is always protected. As per the EU Payment Services Directive (2007/64/EC) and the Finnish Payment Institutions Act, Holvi customers’ funds are kept segregated from Holvi company funds. In the unlikely case of insolvency, there is neither risk nor delay. You can transfer your funds at all times.

Tools to collect money

Easily collect money from your customers. You account works together with the Holvi invoicing tool and the online store.

Use these tools from the same interface you manage your business account from. This gives you more control and a comprehensive view of your finances.
Read more about invoicing or online store

Tools for expense management

The included Holvi Business Mastercard and mobile app that makes expense management a breeze.

Mobile notifications will keep you up-to-date with your finances and you can archive receipts on the go with just a few taps. Read more about Holvi Business Mastercard

Paperless bookkeeping features

Take the hassle out of recording business transactions. Archive receipts, categorise transactions and add VAT in just a few taps of the Holvi mobile app.

Your Holvi business current account automatically saves as much information as possible so that you spend less time going through receipts and reconciling transactions. Your account will also provide you with advanced reports like bookkeeping journal and general ledger from all your transactions.

Pro Account

The best account for your fulltime business.

€ 8,00 / Month

Fees & pricing

Basic Account
Pro Account
Monthly fee

€ 0

€ 8,00

Holvi Business Mastercard

Free to use in stores & online

ATM fee €2 + 1%
foreign currency exchange fee 2%
€5 per extra Holvi card (one-time fee)

SEPA Bank transfers

€ 0,50 per transfer (incoming and outgoing)

50 transfers (incoming and outgoing) included monthly

After this € 0,50 per transfer

Paperless bookkeeping features



Invoicing with automatic payment tracking



Your own Holvi online store

3% per sale

Minimum charge €0,50

2,5% per sale

Minimum charge €0,50


Sid Kumpurinne and Ilmari Mansikkamäki

Secret Synapse Design Agency

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. Traditional banks don’t provide the features that Holvi has.


How to use

Find out how to use Holvi with our Help Centre.
Or contact us via email:
or via phone:
Austria: +43 720 116 270
Germany: +49 30 568 37032
Finland: +358 75 325 2935