Is Holvi available for business in Austria?

Does Holvi serve business customers in Austria?

Yes. Holvi is a Finnish business banking provider, regulated by the Financial Supervisory Authority of Finland as an authorised payment institution, and it operates a dedicated Austria service at holvi.com/at-en. It offers a euro business account with a Finnish IBAN, a Business Mastercard, virtual cards, invoicing, receipt scanning, a real time VAT balance and bookkeeping tools, aimed at the self employed, freelancers and small companies such as a GmbH. Holvi has run a branch in Berlin since 2019 and serves Finland, Germany and Austria. A business registered in Austria, with an account holder resident in the European Economic Area, can open a Holvi account. As of 15 January 2026.

Eligibility for businesses in Austria

Holvi accepts sole traders, freelancers and many company forms registered in Austria. Across its markets, account holders generally need to live within the EEA, the UK or Switzerland, and for sole traders, freelancers and associations the administrator must live in the country where the business is registered, which for these pages means Austria. Onboarding is completed online with identity verification and business details. Eligibility by legal form and residence can change, so confirm your situation with Holvi. Verify with the provider

What it costs locally

Holvi advertises a free Flex plan at EUR 0 per month with no monthly account fee, charging EUR 0.25 per SEPA transfer. Paid plans are billed monthly with yearly discounts: Lite at EUR 9 per month plus VAT, Pro at EUR 15 and Business at EUR 69, each plus VAT, with included SEPA transfers, additional IBANs and more cards as the plan rises. A monthly inactivity fee of EUR 4.50 applies if no SEPA or card transactions are made for over 30 days, taking effect 12 months after opening for new customers. Card payments in foreign currencies and SWIFT transfers carry small fees. Confirm the plan and fees that apply to your business. As of 15 January 2026

What local users report

Holvi positions itself for the self employed and small businesses and reports strong Trustpilot ratings, with users valuing the combined account, invoicing and bookkeeping and the real time VAT view. Founded in Helsinki in 2011, it has more than ten years of operating history. As with any provider, some users mention the inactivity fee and the move to subscription plans, so review the price list for your usage. Austrian sole traders and small companies use it as a digital alternative to a traditional business account. As of 15 January 2026.