Holvi offers small businesses, from solopreneurs and freelancers to micro businesses and growing startups, a home for their finances. With a business account and Mastercard®, invoicing and bookkeeping tools all in one place, Holvi simplifies the time-consuming distractions of financial admin, helping business owners to manage their balance. Holvi is a licensed Payment Institution, not a traditional bank. We are authorised by the Financial Supervisory Authority (FSA) of Finland for operations across the EU.