Holvi review 2026

Holvi offers four plans. Flex has a base fee of €0 but charges €0.25 for every SEPA transfer. Lite costs €12 a month, or €9 a month on an annual plan, and includes 100 transfers a month. Pro costs €18, or €15 a month on an annual plan, and comes with 500 transfers a month, five IBANs and invoices and e-invoices (as of October 2026, holvi.com/de/preise). The Business plan at €69 a month is aimed at larger teams. The free Flex plan includes no free transactions at all; every booking is charged individually. Anyone who transfers money regularly is better off on Lite or Pro. Holvi does not accept cash. There are no branches or partner networks for cash deposits, withdrawals are only possible by card at cash machines and are chargeable beyond the free allowance. Scoring (14/30): The monthly base price receives the full 14 points for the free Flex plan. We award 0 points for included transactions because every booking on the entry-level plan is chargeable and no free transactions are included. Cash deposits and withdrawals get 0 points, as cash deposits are not possible.

The account comes with a Mastercard Business debit card. A virtual card is included, along with one or more physical cards depending on the plan; the Pro plan includes up to three plastic cards. Holvi does not offer a genuine credit card with a credit line. Additional cards for employees cost €3 per card per month. There is a clear plan hurdle for SEPA direct debit collection: collecting direct debits is only included without limit on the Pro plan, and the free Flex plan does not offer this function in full. Transfers, standing orders and bulk payments run within the standard SEPA area. The IBAN is Finnish, which can still lead to queries from some German business partners and authorities. Scoring (12/20): We award 5 points for the card included in the base price, because exactly one card is included. Additional cards for employees cost €3 a month, which gives 3 out of 5 points. For SEPA direct debit collection we award 4 points, because the function is only fully available on the higher plans.

Holvi is strong on its own bookkeeping preparation: invoices can be written directly in the interface, receipts photographed and matched to transactions, and VAT is calculated on an ongoing basis. The provider is more reserved when it comes to interfaces to external accounting software. A DATEV interface exists but is charged as a paid add-on at €3 a month and is therefore not part of the basic package. Receipts can be uploaded in the app and automatically matched to the right transaction, but we could not verify fully automatic processing without a manual check. Sub-accounts are part of the concept: depending on the plan, two to five IBANs are available, so VAT reserves and project budgets can be kept separate. Scoring (13/20): For interfaces to accounting software we award 6 points for the connection of individual tools, as DATEV export is only available as a paid add-on. Receipt capture gets 3 points for receipt upload without consistent automation. Multiple sub-accounts with their own IBAN receive the full 4 points.

Holvi runs accounts for freelancers, small traders and sole proprietorships, for the GbR (a civil-law partnership) and for the GmbH and UG (limited companies). Since the offer was extended, OHG and KG partnerships are also accepted, so sole proprietorships, partnerships and corporations are covered. AG, KGaA and comparable larger corporations are not served. For founders, Holvi offers a founder account that can be opened up to 90 days before the official formation and allows share capital to be paid in. Account opening is fully online with video identification, and according to the provider the IBAN is usually ready within one working day. Scoring (16/16): The permitted legal forms cover sole proprietorships, partnerships and corporations and receive 7 points. We award 5 points for the available formation or capital deposit account. The account opening process and its duration are fully digital, with the account usable within 24 hours, which gives 4 points.

Holvi has no banking licence; it is a payment institution supervised by the Finnish financial regulator FIN-FSA. The provider itself expressly points out that no deposit protection applies to balances. Customer funds are instead held separately from company assets, including at a partner bank and in the form of central bank balances and short-dated government bonds. In the event of insolvency, this is a different protection mechanism from the statutory deposit protection of €100,000. Customer service can only be reached by phone within a narrow time window on working days, with chat and email available as well. There is no fixed contact person. The banking app is available for iOS and Android and covers transfers, receipt capture, invoicing and card management. Scoring (7/14): We award 1 point for deposit protection and supervision, because Holvi operates as a payment institution without deposit protection of its own and says so itself. Customer service reachability gets 3 points for the German-language hotline without a fixed contact person. The banking app for iOS and Android with full functionality receives 3 points.