What are app-based banks?
App-based banks, also known as online banks, have revolutionized the way we manage our finances. But what are they?
Read moreBanking, invoicing and bookkeeping – plus smart payment cards. All in one place, so you can focus on what matters. That’s work life simplified.
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Holvi is a digital banking platform designed for freelancers, entrepreneurs, and small businesses. It is an online-only financial management service that combines traditional banking features with tools tailored to support the needs of independent workers and small enterprises. Users can open an account entirely online, without the need for a physical branch.
The service offers features such as invoicing, expense management, and bookkeeping integrations, aimed at simplifying financial administration. Holvi provides a business Mastercard linked to the account, enabling easy tracking of expenses. It also has budgeting tools and real-time notifications to help users keep track of their financial activity.
Holvi places a strong emphasis on user experience, with a well-designed mobile app and a user-friendly web interface. This makes it easy for customers to manage their finances on-the-go. As a fintech entity, Holvi adheres to rigorous security standards to ensure the protection of its customers' funds and financial data.
Go to HolviExplore what real users have to say about their experiences with Holvi. These 5-star reviews showcase the exceptional service and satisfaction provided by this neobank, giving you insight into why it's a top choice for customers worldwide.
Holvi offers a functional banking solution and has continually added useful features. Their customer support is genuine, caring, and prompt. While not perfect, it's the best I've experienced for the price. It has worked exceptionally well for me over the past five years.
26/07/2024
Could you please explain why my company’s account hasn’t been opened yet?
25/06/2024
Excellent bank! Unlike many traditional banks, they make it easy to open an account. The app is convenient, allowing you to access everything you need right from your phone. You can even handle bookkeeping and send invoices, although there's still some room for improvement in that area. Customer service is responsive and readily available—I had a frustrating experience with another fintech company that took days to reply. Overall, I'm very satisfied!
26/04/2024
This service is excellent for small businesses looking to simplify their accounting. When used correctly, it efficiently handles VAT calculations, saving a significant amount of time with tax compliance.
19/06/2024
Last year, we purchased a restaurant, but all the major banks in Finland, especially OP and Nordea, refused to open a bank account for us. My wife and I have no credit history or issues, yet Finnish banks turned us away. Fortunately, Holvi stepped in and opened an account for us, and our business is thriving. When we first took over the restaurant, we had around 50 customers a day; now that number has grown to about 80. Without Holvi in Finland, smaller entrepreneurs like us would be facing significant challenges. Thank you for your support!
30/03/2023
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App-based banks, also known as online banks, have revolutionized the way we manage our finances. But what are they?
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Read moreStill have a few things you'd like to clear up? We've put together the following simple answers to questions frequently thought, but rarely asked.
Holvi is a digital banking platform designed for freelancers, entrepreneurs, and small businesses. It is an online-only financial management service that combines traditional banking features with tools tailored to support the needs of independent workers and small enterprises. Users can open an account entirely online, without the need for a physical branch.
The service offers features such as invoicing, expense management, and bookkeeping integrations, aimed at simplifying financial administration. Holvi provides a business Mastercard linked to the account, enabling easy tracking of expenses. It also has budgeting tools and real-time notifications to help users keep track of their financial activity.
Holvi places a strong emphasis on user experience, with a well-designed mobile app and a user-friendly web interface. This makes it easy for customers to manage their finances on-the-go. As a fintech entity, Holvi adheres to rigorous security standards to ensure the protection of its customers' funds and financial data.
Holvi is currently available for residents of the following countries:
Austria, Belgium, Finland, France, Germany, Ireland, Italy, Netherlands, United KingdomNo matter where you are, at home or abroad, you can access your Holvi account via the app, check your account balance, control your savings, get customer support, make payments and even freeze your debit card if needed. In addition, get real-time notifications every time you make a transaction, so there won’t be any surprises at the end of the month. No need to make appointments, stand in line and lose working hours to manage your finances.
Opening an account with Holvi is simple, with no lengthy paperwork. Just download the app, prove your identity, top up your account and you’re ready to go. Holvi doesn’t require a copy of your credit history to approve your account, meaning you can open an account and get approved in minutes.
Another main reason to use Holvi is the low (or no!) fees. Holvi has no physical branches, therefore they can offer lower fees than traditional banks – especially when it comes to ATM withdrawals, money exchange/transfer and payments abroad. For example, Holvi offers zero fees on all transactions, including purchases made overseas!
Holvi = borderless banking. Low/no exchange rates and low/no ATM withdrawal fees worldwide make traveling a whole lot easier (and cheaper) than with traditional banks- especially in the eurozone. And for added safety, freeze or unfreeze your debit card while you travel, directly in the app.
One of the frustrating things about traditional banks is the amount of documents, contracts and letters that are sent to your mailbox. With Holvi everything you need is in the app and all communications are sent to your app or your email. Gone are the days of rummaging through piles of paper around your house – and protecting the environment is the cherry on top.