Holvi Builder

Annual account feeAccount fee
0.00 €
Cash withdrawal
2.50 % Cash withdrawal note
Cash withdrawal fees are in percentage of amount withdrawn.
  • Bank offers English registration form
  • Free account with free Mastercard
  • Accounting Functions Integrated
  • Free of charge Mastercard Credit Card
Holvi Builder
Grade 1.8
General
Yearly Fee
15 of 15
Onlinebanking & -fees
22 of 22
Telephonebanking & Offline banking
0 of 6
Overdrafts
0 of 5
Credit Card & Bank Card
Withdrawals
7 of 14
Card payments
12 of 20
Mobile payments
0 of 3
Usability
Flexibility of legal types
11 of 12
Apps, Useraccounts & Deposit Insurance
11 of 19
Internationality
1 of 2
Accounting, Billing & other features
8 of 10
Points
87 of 128
Grade 1.8
General
Bank Holvi Payment Services Oy
Account name Holvi Builder
Annual account feeAccount fee 0.00 €
Credit interest
Schufa
Costs & Fees
Annual Fees
Account fee p.a. 0.00 €
Credit card fee p.a. 0.00 €
Transaction fees
Online transactions free of charge p.M. Unlimitiert
Online transactions 0.00 €
Paper transactions
Telephone banking
Payment costs
Credit Card Mastercard
Fees per payment euro zone 0.00 €
Foreign exchange fee 2.00 %
Cash withdrawal costs
Free Withdrawals p.m.
Cash withdrawal (domestic) 2.50 %
Cash withdrawal (euro zone) 2.50 %
Foreign exchange fee 2.50 %
Legal forms
Freelancers & Sole Proprietors
Freelancer
Tradesmen
Sole proprietorship
Sole traders
Corporations & Limited Companies
GmbH / KGaA / AG
UG limited liability
Limited (Ltd)
Others
Partnership under civil law
Kommanditgesellschaft (KG)
General partnership
Partnership company (PartG)
Association
Cooperatives

Holvi is backed by a global banking service that is geared towards freelancers. The Finnish company offers a business account in several variants and wants to offer a wide range of digital banking services to founders as well as experienced entrepreneurs. Among other things, the company relies on innovative ideas from financial technology and integrates some additional services through FinTechs. With three account types, Holvi wants to address a broad mass of self-employed people and provide the right business account for everyone. Holvi’s “Builder” business account was developed specifically for founders.

Services of the Holvi Business Account Builder

One of the most important features of the account is real-time banking. As the account holder, you have access to your account data at all times. The business account allows you to write and create invoices directly from the account. This also allows you to create a digitised account, because you can transfer the data to your tax advisor with a simple click. A Business Mastercard is also provided for the account.

For whom is the Holvi Business Account Builder suitable?

The business account is suitable for founders and experienced freelancers. You receive digital support for all important business transactions and can simplify your accounting considerably. In addition, the Builder account was also developed for managing directors of a GmbH in formation or an entrepreneurial company with limited liability. With the Builder account, Holvi specifically addresses founders who opt for this legal form because they want to focus their company on growth from the outset.

Prices & conditions of the Holvi Business Account Builder

The business account is free of charge, a minimum term is not planned. The Business Mastercard is also free of charge, and is automatically divided into different categories during the payment process. This makes it easier for the account holder to keep track of his expenses and make optimizations. A fee of 2.5 percent is payable for withdrawals of cash.

Features of the Holvi Business Account Builder

The account provides for full integration with important FinTechs that want to make life easier for the account holder. This also includes synchronization between web account and smartphone, which works without any time delay. Paid invoices are displayed by a real-time notification. The data is always up to date thanks to synchronization with the accounting department. The recipient data can be saved directly for the creation of new invoices. Also the creation and administration of expenses including the digital filing of receipts is possible with the Builder account. Another highlight is the export function to the DATEV format. Thus the transfer to the tax consultant is possible with one click.

Advantages and disadvantages of the Holvi Business Account Builder

The account is recommendable for founders and entrepreneurs who want to digitalize their banking transactions including the bookkeeping to a large extent. In addition, it is designed for the shareholders of a UG or a GmbH whose company is still in the process of being founded. The advantage of an account with comprehensive digitization of all important processes can also be a disadvantage for self-employed persons who do not want to make full use of these services.

All advantages of the Holvi Business Account Builder at a glance

  • No account maintenance fees
  • Free Business Mastercard
  • Banking in real time
  • Write invoices directly
  • Digitalized accounting
  • Synchronization between web account and smartphone
  • Synchronization with the accounting department
  • Creation and management of expenses possible
  • Digital storage of documents possible
  • Export function to DATEV format possible

Open Business Account Builder at Holvi Bank

Regardless of whether it is a start-up company or a freelancer’s account, an online application is possible. The verification of the account holder is carried out online and a valid identity card must be presented. If a UG or GmbH is established, the necessary documents must be added, such as a memorandum and articles of association. As soon as they have been checked, the IBAN is published and the share capital must then be paid in. Once the confirmation of receipt has been received, the registration of the company in the commercial register is applied for. This means that the opening of an account for UG or GmbH founders is quickly completed.

Conclusion on the Holvi Business Account Builder

The Holvi-Builder business account is ideal for founders who want to completely digitize their banking transactions, including accounting, in order to have more time for the essentials. To this end, the company consistently relies on the latest generation of FinTechs and integrates them into its banking operations. The processes are optional to use, so that also independent ones are addressed, which do not want to settle their banking business exclusively on-line and digitally.

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