Holvi is more than just a business account and business Mastercard®. With online invoicing, e-invoicing and expense management tools in one powerful online business account, the Holvi mobile app lets you run your business on the go – because your business stays with you, wherever you go. Dig down into financial details, prepare bookkeeping and get ready for tax time with the full suite of tools on the Holvi web app. Welcome to your business’ new financial home.

Business banking for freelancers & the self-employed

— Business account with IBAN*
— Unlimited transfers within Europe (SEPA)
— Keep a clear overview of finances
— Open an account 100% online in the Holvi app

Pay expenses – Holvi Business Mastercard®

— Holvi Business Mastercard® included
— Debit card for worldwide payments and cash withdrawals
— Secure online payments with Mastercard® Identity Check™
— Lock & unlock card and retrieve PIN via the app

Collect earnings – easy online invoicing

— Create and send invoices & e-invoices in the Holvi app
— Get real-time notifications on paid invoices
— Track the status of your invoices in the app
— Incoming payments are matched with invoices

Manage money – small business bookkeeping

— Manage expenses – save receipts via the app
— Categorise transactions and prepare accounting
— See real-time VAT balance and cash flow projection
— Download accounting reports (PDF/CSV), or share via Dropbox

*Holvi offers Finnish and German IBANs, depending on the user’s country of residence.

Finally, digital banking that simplifies small business finance – so entrepreneurs can focus on work, not paperwork.

Over 200,000 freelancers and entrepreneurs 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 was founded in Helsinki in 2011, by entrepreneurs for entrepreneurs. We are a payment service provider authorised by the Finnish Financial Supervisory Authority (FIN-FSA) to operate throughout the European Economic Area (EEA). We keep our customer funds in top-rated European partner banks, where they are protected under the applicable deposit insurance scheme.

What’s New

Version 9.4.2

We regularly bring updates to the App Store to make the Holvi app faster and more reliable. From bug fixes to new features, every update is designed to improve your experience using Holvi.
Occasionally, we’ll bring you major improvements and feature updates – we’ll include these here.

* Maintenance release

Ratings and Reviews

4.4 out of 5
1.5K Ratings

1.5K Ratings

naamari ,

Mostly great but lacking in some features

I.e. setting a default VAT would be crucial. No fun sending and correcting 0% VAT invoices...

Developer Response ,


thank you for your feedback. I'll forward your request to our product team. If you have any other feature requests, you can submit your ideas here:

Your Holvi team

mikä mättää ,

Ei toimi

Asiakkaan ilmoituksen nettikauppa ei toimi?

Developer Response ,


otathan yhteyttä asiakastukeemme, niin voimme auttaa sinua mahdollisimman hyvin ja nopeasti. Saat yhteyden asiakastukeemme täältä:

Ystävällisin terveisin,

-janneP- ,


Todella simppeli ottaa käyttöön ja palvelun hintakaan ei ole kovin paha

Developer Response ,


kiitos palautteestasi. Mukava kuulla, että olet tyytyväinen Holviin.

Ystävällisin terveisin, Holvi-tiimi

App Privacy

The developer, Holvi, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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