Is Holvi available for business in Germany?

By Morten Andersen, cofounder of Business Bank Index
Reviewed by Fredrik Filipsson
Availability

Holvi for business in Germany: Available

Key eligibility
Open to freelancers, the self employed and companies such as GbR, UG and GmbH registered in Germany, with identity and activity checks.
Non resident position
Aimed at businesses registered in Germany. Eligibility for non resident or foreign owned structures can vary. Verify the current position with the provider.
Local currency support
Euro account with a German IBAN.
Headline monthly fee
The Holvi Flex plan is advertised at 0 euro per month as of 31 January 2026. Paid plans such as Lite, Pro and Business cost more and add features.
Availability and fees as of 31 January 2026Last reviewed 31 January 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Yes. As of 31 January 2026, Holvi serves business customers registered in Germany with an online euro account and a German IBAN. It accepts freelancers, the self employed and companies such as GbR, UG and GmbH. Plans start at 0 euro per month on the Flex plan, with paid tiers that add invoicing, accounting and more cards.

Does Holvi serve business customers in Germany?

Holvi offers an online business account to the self employed and companies registered in Germany. It provides a euro account with a German IBAN, debit cards, and built in invoicing and bookkeeping tools aimed at freelancers and small firms. The account is opened online and the product is tailored to common German legal forms including GbR, UG and GmbH, as well as founders setting up a new company.

Eligibility for businesses in Germany

Holvi accepts freelancers, the self employed and companies such as GbR, UG and GmbH registered in Germany, subject to identity and business activity checks during online onboarding. Founders can also open a setup account to deposit share capital for a UG or GmbH. Some activities are excluded. Confirm that your legal form and activity are eligible with the provider. Verify with the provider

What it costs locally

Holvi publishes tiered pricing. The Flex plan is advertised at 0 euro per month with basic payment functions and a per transaction charge, while Lite is about 9 euro per month, Pro about 15 euro per month and Business about 69 euro per month, with annual billing reducing the monthly figure on paid plans. Higher tiers add e invoicing, accounting tools, more included transactions and more cards. Allowances and fees vary by plan, so check current terms before relying on a figure. As of 31 January 2026

What local users report

German freelancers and small companies use Holvi for an online euro account with a German IBAN combined with invoicing and bookkeeping in one place. Users value the founder account for depositing share capital and the integrated tools, while those needing branch services or heavy cash handling tend to prefer a traditional bank.

How to open Holvi for business in Germany

  1. Choose the plan that matches your transaction volume and tool needs.
  2. Apply online and verify your identity and business details.
  3. Activate your euro account, German IBAN, cards and invoicing tools.
Open with Holvi →

Questions about Holvi in Germany

Is Holvi available for business in Germany?
Yes. As of 31 January 2026, Holvi offers an online business account with a German IBAN to freelancers, the self employed and companies registered in Germany. Verify the current position with the provider.
Who can open a Holvi account in Germany?
As of 31 January 2026, Holvi accepts freelancers, the self employed and companies such as GbR, UG and GmbH registered in Germany, subject to identity and activity checks. Founders can also open a setup account for share capital. Confirm eligibility with the provider.
What does Holvi cost in Germany?
As of 31 January 2026, the Flex plan is advertised at 0 euro per month, with Lite from about 9 euro, Pro from about 15 euro and Business from about 69 euro per month, and annual billing reduces the paid plan figures. Allowances vary by plan. Check current terms with the provider.
Does Holvi give a German IBAN?
Yes. As of 31 January 2026, Holvi provides a euro account with a German IBAN. Verify the current terms with the provider.

Availability, fees, and eligibility change. This page was last reviewed on 31 January 2026. Confirm the current position with Holvi before applying.

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