Holvi

Description

Holvi represents a unique proposition in the German business banking market by combining a full business bank account with built-in invoicing and expense management tools. Originally from Finland and now part of BBVA, Holvi has carved out a strong niche among freelancers and solopreneurs who want simplicity over complexity. The account comes with a Finnish IBAN but works seamlessly across the EU including Germany. What makes Holvi particularly attractive for solo business owners is the integrated invoicing—create and send professional invoices directly from the app, track payment status, and see how outstanding invoices affect your cash flow. The expense categorization feature automatically sorts transactions, making tax preparation significantly easier. While Holvi may lack the advanced team features of Qonto or the tax automation of Kontist, its all-in-one simplicity at an affordable price point makes it ideal for freelancers who want to minimize the number of tools they juggle.

Features

Best For

Pricing

Pricing Model

paid

Price Range

€0-15/mo

Available in

Connected Services

Related Integrations

Finom

Available

All-in-one business banking with invoicing and expense management. Strong for freelancers.

Billbee

Planned

Multi-channel e-commerce management. Orders, invoicing, and fulfillment from one place.

Billomat

Planned

Cloud invoicing and accounting for small businesses. Strong dunning and recurring invoices.