Holvi - Business banking

Holvi is more than just a business bank account and business Mastercard®. Welcome to your business’ new financial home. With powerful online invoicing and e-invoicing to help you collect income, and smart expense management and bookkeeping tools to balance the books and prepare you for tax time. Find financial insights and run your business on the go in the Holvi mobile app – because your business stays with you, wherever you go.

You can dig deeper into finances when you log in at Holvi.com. Finalise bookkeeping details, download reports, integrate your favourite bookkeeping software or invite your accountant.

All cards now available with Apple Pay.¹

NEW Now you can create multiple payment accounts with one Holvi login.
Create accounts with unique IBANs (subaccounts) for different projects, sources of income or tax reserves.You can also transfer money between your own accounts instantly. This makes it even easier to manage your finances!
You decide how you want to use these additional accounts. You can:

· Monitor budgets and customers by creating your own accounts
· Set aside sales tax so you don't accidentally spend it
· Use your own IBANs for different income streams
· Save money for larger expenses in a separate account


Business banking for small businesses
· Business account with IBAN²
· Unlimited transfers in euros (SEPA)
· Balance forecast shows cash flow in real time
· View VAT and Profit & Loss in real time
· Open an account 100% online in the Holvi app

Pay expenses – Holvi Business Debit & Credit Cards
· Holvi Business Debit Card included
· Holvi Business Credit Card (limited availability)
· Virtual debit and credit cards
· Apple Pay – for fast and easy mobile payments
· Worldwide payments and cash withdrawals
· Secure online payments with Mastercard® Identity Check™
· Lock & unlock card instantly in app

Collect earnings – Online invoicing & e-invoicing
· Create and send invoices & e-invoices
· Get real-time notifications on paid invoices
· Track the status of your invoices
· Incoming payments are matched with invoices

Manage money – Small business bookkeeping
· Manage expenses – save receipts via the app
· Categorise transactions, add VAT and prepare accounting
· Create custom bookkeeping categories
· Download accounting reports (PDF/CSV), share via Dropbox or invite your accountant

Customer support – Never work alone
· Our friendly chatbot Solvi can answer most questions
· Or chat live with our 5-star customer support team
· Check our up-to-date Help Centre for detailed answers
· Enjoy fast response times to customer questions

¹ Apple Pay is currently offered only in Finland and Germany.
² Holvi offers Finnish and German IBANs, depending on which country you live in.

Over 35,000 small businesses use Holvi to simplify work life. Open your business account in the Holvi app today – and calm the chaos of self-employment.

This is Holvi
Holvi Payment Services Ltd is an Authorised Payment Institution regulated across the EEA by the Financial Supervisory Authority of Finland. All funds deposited by our customers are segregated from Holvi’s own funds and safeguarded in compliance with the relevant legislation (PSD2). This means that in the unlikely event of Holvi’s insolvency, customer funds would remain unaffected. Your money is safe and sound.