Bonsai ◆
Bonsai is an all-in-one business management platform for freelancers and service teams, covering CRM, proposals, contracts, invoicing, time tracking, and expenses.
from $9/user/mo
About Holvi
What is Holvi?
Holvi is an all-in-one business account that brings together banking, invoicing, bookkeeping, and payment cards. Designed for solopreneurs and teams across Europe, it simplifies financial management so you can focus on growing your business instead of admin.
Who is Holvi for?
Holvi is ideal for self-employed professionals, freelancers, and small teams who want to manage their entire business finances from one platform. It replaces separate bank accounts, invoicing tools, and bookkeeping software with a single, connected solution. If you need expense claims, team card management, or multi-currency payments, Holvi’s team features make it a strong fit.
Key capabilities
Holvi offers an online business account with up to 500 free SEPA transfers per month, smart debit/credit/virtual cards, automated receipt scanning and bookkeeping, professional invoicing with e-invoicing, VAT calculator, and integrations with accounting software. The mobile app for iOS and Android lets you manage finances on the go.
Real-world use cases
Freelancers use Holvi to send invoices, track expenses, and save for tax time. Teams simplify expense management by giving members company cards with instant notifications — no more paper claims. The new subscription card keeps recurring payments separate for cleaner books. International businesses benefit from sending and receiving payments in 18 currencies.
Key features
- Business account — Up to 500 free SEPA transfers per month, with instant transfers at no extra cost.
- Holvi cards — Debit, credit, and virtual cards powered by Mastercard®; team card usage controls and instant notifications.
- Invoicing & E-invoicing — Create, send, track, and store invoices with instant payment alerts.
- Bookkeeping & receipts — Scan and save receipts, track expenses, and prepare for tax time with smart financial insights.
- Multi-currency payments — Send and receive payments in 18 currencies directly from your account.
- VAT calculator — See how much to save for tax time automatically.
- Mobile app — Manage your business finances on iOS and Android with full banking, invoicing, and bookkeeping tools.
SaaSpartout Score
6.8
/10
Editorial score from our review methodology — not user ratings.
Holvi Pricing
Holvi pricing: from €0/mo.
Starter Plan
Free — includes basic business account, up to 500 SEPA transfers per month, and essential invoicing. No monthly fee.
Business Plan
Priced per country (e.g., from €9/mo) — adds smart payment cards, receipt scanning, bookkeeping tools, and integration support. Discounts for annual payment.
Team Plan
Priced per country (e.g., from €29/mo) — includes all Business features plus team debit cards, card usage controls, expense tracking for teams, and financial KPIs dashboard.
All plans come with a free trial period. Pricing varies by country (Austria, Finland, Germany). See Holvi website for exact local pricing.
Frequently asked questions
Is Holvi free?
Yes, Holvi offers a free Starter plan with a business account and up to 500 SEPA transfers per month. Paid plans start from around €9/mo depending on your country.
How much does Holvi cost?
Holvi pricing depends on your country (Austria, Finland, Germany). A free plan is available. Paid Business plans start from about €9/mo, and Team plans from about €29/mo. Visit Holvi's pricing page for exact amounts.
Who is Holvi best for?
Holvi is best for solopreneurs, freelancers, and small teams across Europe who want an all-in-one business account with banking, invoicing, and bookkeeping. It's especially useful for those tired of juggling multiple tools.
What are the top Holvi alternatives?
Top alternatives include N26 Business, Revolut Business, and Monese for banking; FreshBooks and QuickBooks for invoicing; and Xero for bookkeeping. Holvi stands out by combining all three in one platform.
Does Holvi have a mobile app?
Yes, Holvi has mobile apps for both iOS and Android, allowing you to manage your business account, send invoices, scan receipts, and track spending on the go.
Does Holvi support international payments?
Yes, Holvi supports sending and receiving payments in 18 currencies. You can manage international transfers directly from your Holvi account.
