Holvi • EUR
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Ingrid Schneider · Updated: 3 September 2026
Holvi Lite is the lean entry-level tier from Finnish fintech provider Holvi for business customers. The account is designed as a purely online and app product and, according to the stored product data, targets a broad range of business forms, from freelancers to GmbHs. The live offer page mostly delivered marketing teasers rather than full terms during this check — not unusual for application-form pages from fintech providers — but did add a few concrete extra details to the database.
Holvi Lite has a stored annual account maintenance fee of €54, equivalent to €4.50 per month. Online transactions follow a tiered structure: the first 100 booking items per month are free, and from the 101st item onward, €0.25 per booking applies. No information is available on an overdraft facility, which is unsurprising given the lean entry-level tier. The live page added that new customers can "try the account free for 30 days" before regular billing begins — a low-barrier entry point for businesses that want to try the account out in everyday use first. At €4.50 per month, Holvi Lite sits at the lower end of the business accounts compared here in price terms, making the offer suitable for self-employed people with a very tight budget as well, as long as the monthly transaction volume does not regularly exceed the free allowance of 100 items.
Holvi Lite is managed exclusively online and via the app; the data profile for this account does not indicate phone support or a branch. No specific information is available on card products. According to the live page, customers can set up up to ten German IBANs within the account, and digital accounting including e-invoicing is already included in the tariff — practical extra features especially for self-employed people managing multiple projects or cost centres who would otherwise need separate accounting software. Anyone who prefers phone support or occasionally values in-person advice, however, will not find a corresponding channel with Holvi Lite and should factor this in when choosing a business account.
The product data for Holvi Lite lists a protected maximum amount of €0, which the short product-feature summary also explicitly states as "deposit protection up to €0". Customers should therefore be aware that there is no classic deposit protection for this account, of the kind available at a German bank — a point that should factor into the decision, particularly for larger balances held on the business account, for example when large customer payments are regularly parked before being used further.
The target group defined in the product data is broad, ranging from freelancers and sole traders to registered merchants and partnerships such as a GbR or OHG, through to corporate entities such as a GmbH and UG. In practice, the offer is likely to appeal mainly to digitally-operating self-employed people and small teams who want to use the built-in accounting and invoicing feature and multiple IBANs, and who can do without branch or phone service. For businesses with frequent client contact across different projects, the ability to run up to ten separate IBANs can noticeably simplify bookkeeping. Freelancers who want to track separate incoming payments for different clients can also benefit from this feature without having to open a separate account for every project.
No detailed step-by-step information on account opening was available from the live check; the page reviewed consisted essentially of an application form. According to the provider, prospective customers can rely on a 30-day free trial period before regular billing kicks in, allowing the account to be tried risk-free before a final decision.
Holvi Lite is a moderately priced online business account with 100 free online bookings per month, built-in digital accounting and e-invoicing, and up to ten German IBANs. The main weak point is the lack of classic deposit protection, which prospective customers should factor in before opening an account. For digitally-operating self-employed people with manageable transaction volume and a need for built-in invoicing, the account is nonetheless an uncomplicated option with a risk-free trial period.
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