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Holvi

4.5 (75 reviews)

Verified profile

Holvi helps you manage your business finances, so you can focus on growing your business. With tools tailored to your needs, Holvi simplifies everything from payments to accounting:

Your finances, organised: Create up to 10 unique IBANs to manage projects, income streams, and savings effortlessly.
Smart payment solutions: Use physical and virtual cards, compatible with Apple Pay and Google Pay™️.
Seamless accounting: Connect Holvi with DATEV, Lexware, secdesk or other accounting software to stay tax-compliant with ease.
Future-proof invoicing: Be ready for 2025 with built-in support for E-invoices to meet upcoming regulations.
Grow your capital: Flexibly invest in low-risk money market funds.

Whether you're starting out or scaling up, Holvi provides everything you need to keep your finances under control.

This is how users rate the product

9.4

Ease of use

Business Account

Average: 9.5

9.1

Meets requirements

Business Account

Average: 9.3

8.9

Customer Support

Business Account

Average: 9

9.4

Ease of setup

Business Account

Average: 9.4

Global features

Setup & support

Cloud

On-premise

24/7 support

German-speaking support

Data Privacy

Server location DE

Server location EU

Only EU companies affiliated

EU standard contract

Versions

Free version

Free trial

Screenshots & Videos

Holvi Pricing

Pricing details

Last edited: September 2025

Holvi Flex
Free
The business account with essential payment features. Pay only for what you need and stay flexible.
1 German IBAN
1 virtual debit card (Mastercard®)
Instant transfers
Holvi Lite (Jährlich)
€4.50/ Month
The business account that lets you keep an eye on your finances. Use multiple IBANs, international transfers and smart insights.
2 German IBANs
1 physical + 1 virtual debit card
SEPA instant transfers
500 SEPA transfers and direct debits
SWIFT transfers
DATEV connection
Lexware Office connection
Receipt scanning, bookkeeping prep and insights
Standard reports
Holvi Pro (Yearly)
€9.00/ Month
Everything from Holvi Lite, plus more payment cards, e-invoicing and advanced accounting features.
5 German IBANs
3 physical + 1 virtual debit card
SEPA instant transfers
Business Credit Card (By application)
500 SEPA transfers and direct debits
Holvi Pro+ (Yearly)
€18.00/ Month
The business account that lets you keep an eye on your finances. Use multiple IBANs, international transfers and smart insights.
5 German IBANs
3 physical + 1 virtual debit card
SEPA instant transfers
Business Credit Card (By application)
500 SEPA transfers and direct debits
SWIFT transfers
Integrated invoicing and e-invoicing
Online store and sales collection
DATEV connection
Lexware Office connection
Receipt scanning, bookkeeping prep and insights
Advanced reports and exports
VAT balance calculator
Holvi Lite (Monthly)
€9.00/ Month
The business account that lets you keep an eye on your finances. Use multiple IBANs, international transfers and smart insights.
2 German IBANs
1 physical + 1 virtual debit card
SEPA instant transfers
500 SEPA transfers and direct debits
SWIFT tansfers
DATEV connection
Lexware Office connection
Receipt scanning, bookkeeping prep and insights
Standard reports
Holvi Pro (Monthly)
€15.00/ Month
Everything from Holvi Lite, plus more payment cards, e-invoicing and advanced accounting features.
5 German IBANs
3 physical + 1 virtual debit card
SEPA instant transfers
Business Credit Card (By application)
500 SEPA transfers and direct debits
SWIFT tansfers
Integrated invoicing and e-invoicing
DATEV connection
Lexware Office connection
Receipt scanning, bookkeeping prep and insights
Advanced reports and exports
VAT balance calculator
Holvi Pro+ (Monthly)
€18.00/ Month
Level up your sales. Everything in Holvi Pro plus an online sales platform connected to your business account and bookkeeping.
5 German IBANs
3 physical + 1 virtual debit card
SEPA instant transfers
Business Credit Card (By application)
500 SEPA transfers and direct debits
SWIFT transfers
Integrated invoicing and e-invoicing
Online store and sales collection
DATEV connection
Lexware Office connection
Receipt scanning, bookkeeping prep and insights
Advanced reports and exports
VAT balance calculator
Holvi Business (Yearly)
€59.00/ Month
For GmbHs and UGs with multiple employees, budgets and monthly financial tasks.
15 german IBANs
5 physical + 20 virtual debit cards
ATM withdrawals 0% up to 2,000 €
Holvi Business (Monthly)
€69.00/ Month
For GmbHs and UGs with multiple employees, budgets and monthly financial tasks.
15 german IBANs
5 physical + 20 virtual debit cards
ATM withdrawals 0% up to 2,000 €

Holvi Flex

Free

The business account with essential payment features. Pay only for what you need and stay flexible.

1 German IBAN

1 virtual debit card (Mastercard®)

Instant transfers

Holvi Lite (Jährlich)

€4.50/ Month

The business account that lets you keep an eye on your finances. Use multiple IBANs, international transfers and smart insights.

2 German IBANs

1 physical + 1 virtual debit card

SEPA instant transfers

500 SEPA transfers and direct debits

SWIFT transfers

DATEV connection

Lexware Office connection

Receipt scanning, bookkeeping prep and insights

Standard reports

Holvi Pro (Yearly)

€9.00/ Month

Everything from Holvi Lite, plus more payment cards, e-invoicing and advanced accounting features.

5 German IBANs

3 physical + 1 virtual debit card

SEPA instant transfers

Business Credit Card (By application)

500 SEPA transfers and direct debits

Holvi Pro+ (Yearly)

€18.00/ Month

The business account that lets you keep an eye on your finances. Use multiple IBANs, international transfers and smart insights.

5 German IBANs

3 physical + 1 virtual debit card

SEPA instant transfers

Business Credit Card (By application)

500 SEPA transfers and direct debits

SWIFT transfers

Integrated invoicing and e-invoicing

Online store and sales collection

DATEV connection

Lexware Office connection

Receipt scanning, bookkeeping prep and insights

Advanced reports and exports

VAT balance calculator

Holvi Lite (Monthly)

€9.00/ Month

The business account that lets you keep an eye on your finances. Use multiple IBANs, international transfers and smart insights.

2 German IBANs

1 physical + 1 virtual debit card

SEPA instant transfers

500 SEPA transfers and direct debits

SWIFT tansfers

DATEV connection

Lexware Office connection

Receipt scanning, bookkeeping prep and insights

Standard reports

Holvi Pro (Monthly)

€15.00/ Month

Everything from Holvi Lite, plus more payment cards, e-invoicing and advanced accounting features.

5 German IBANs

3 physical + 1 virtual debit card

SEPA instant transfers

Business Credit Card (By application)

500 SEPA transfers and direct debits

SWIFT tansfers

Integrated invoicing and e-invoicing

DATEV connection

Lexware Office connection

Receipt scanning, bookkeeping prep and insights

Advanced reports and exports

VAT balance calculator

Holvi Pro+ (Monthly)

€18.00/ Month

Level up your sales. Everything in Holvi Pro plus an online sales platform connected to your business account and bookkeeping.

5 German IBANs

3 physical + 1 virtual debit card

SEPA instant transfers

Business Credit Card (By application)

500 SEPA transfers and direct debits

SWIFT transfers

Integrated invoicing and e-invoicing

Online store and sales collection

DATEV connection

Lexware Office connection

Receipt scanning, bookkeeping prep and insights

Advanced reports and exports

VAT balance calculator

Holvi Business (Yearly)

€59.00/ Month

For GmbHs and UGs with multiple employees, budgets and monthly financial tasks.

15 german IBANs

5 physical + 20 virtual debit cards

ATM withdrawals 0% up to 2,000 €

Holvi Business (Monthly)

€69.00/ Month

For GmbHs and UGs with multiple employees, budgets and monthly financial tasks.

15 german IBANs

5 physical + 20 virtual debit cards

ATM withdrawals 0% up to 2,000 €

Free trial version (1 month)

You can find out more about the pricing here

Holvi Reviews (75)

AI-generated summary

What users say about Holvi

Based on 75 reviews

Holvi is appreciated for its user-friendly interface and integrated accounting features, which streamline financial management for freelancers and small businesses. Many find the app and web versions easy to use, with helpful tools for invoicing and expense tracking. Some users mention the lack of interest on deposits and occasional delays in SEPA transfers. Others desire closer integration with certain accounting software and the ability to deposit cash. Overall, Holvi simplifies business banking with its clear layout and useful features.

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