Holvi - Banking for Makers and Doers

Everything you need to manage your money more efficiently, straight from your mobile phone. Save time and hassle with Holvi.

What's Holvi?

Holvi is a trusted business banking partner of Estonia’s e-Residency programme. Holvi combines everything a modern entrepreneur needs in one simple to use service. Business account, built-in business apps like paperless bookkeeping and invoicing and spending cards for your whole team. No more bank visits and annoying paperwork. Digital banking for businesses how it should be.

Who is it for?

Holvi is from entrepreneurs to entrepreneurs - to small businesses and freelancers looking efficient ways to manage their money. Holvi is the choice of many digital nomads who have their business registered in Estonia and are e-residents of the country. Businesses use Holvi to significantly reduce the amount of overhead and manual processes traditionally related to business administration. This is banking for Makers and Doers - for people who are passionate about what they do.


Mobile app.

Holvi knows about your hectic schedule that’s why we’ve built everything you need to run your business in one mobile app. The app works with your Holvi card, so you’re always up to date. Save receipts in seconds with just one tap and easily share documents with your bookkeeper or accountant.

Business current account

Finally a business account that’s made for entrepreneurs. All the payment features of a traditional bank – and more! Invoicing, expense management and paperless bookkeeping features all integrated into your business account.

Holvi Business Mastercard

Focus on doing what you love, not recording receipts. Your Holvi Business Mastercard works with the Holvi mobile app – you’ll get an instant notification on all purchases to save receipts in digital format with only one tap. Holvi makes it easy for you to share all needed business data with your bookkeeper.


Send invoices within few clicks – sit back and relax. All of your invoices are automatically saved for bookkeeping. Holvi is automatically matching payments to invoices so you won’t have to spend time on reconciling payments either.

Online store

Set-up your online store within minutes with Holvi pre-built features. Easily add products that you want to send. Your customers can buy for your products with their credit cards. German, Finnish and Austrian-specific payment methods are also available.

Ready-made banking for e-residents of Estonia.

Have you become an e-resident of Estonia? If you did, Holvi is there for you.

With Estonian e-residency, you are able to enjoy Holvi’s Current Bank Account.

Invoicing and bookkeeping tools are included free and IBAN functionality lets you make transfers around Europe with just a few clicks.