Holvi is a Finnish (BBVA-owned) business e-money account purpose-built for micro-businesses and freelancers with integrated invoicing and bookkeeping.
Requires an EU-registered business or freelancer status; individuals cannot apply.
These are stable, standing account benefits (not time-limited) — available as long as you qualify:
Partially. Holvi serves EU-registered businesses/freelancers and requires an EU entity; individuals cannot apply.
No minimum deposit — the account can be opened at zero.
Have your company registration, director ID, EU VAT number and business address ready, then verify.
Submit business details in the app in a few minutes; review usually takes a few working days.
Common reasons: no EU entity, incomplete registration, mismatched director ID, or failed KYC.
Standing benefits: No Monthly Fee, No Min Deposit, Fully Online, Digital Bank, Fast Approval. Promotions change by region and quarter — always check the bank's official promo page (verified 2026-10).
Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.