Holvi Blog for Makers and Doers

The best tips for running your business and insightful news from the world of entrepreneurship.

Heartful Yoga – Yoga wisdom for your everyday life

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Business tips, Holvi-centric, Who is Holvi, Starting your business | 09/02/17 09:30

"The object of yoga is to add vitality to your life, not to consume it."

Kaisa Kärkkäinen radiates warmth in front of her yoga retreat students in Scopello, Sicily. The blue sea glistens in front of the yogis and the hot breeze caresses the skin. The atmosphere is both liberating and empowering – for those used to living an exhausting life jam-packed with stress and obligations the experience can be revolutionary.

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Fruitkit – the need for better fruit




Business tips, Holvi-centric, Who is Holvi, Starting your business | 26/01/17 07:57

In our Makers and Doers stories, we introduce entrepreneurs, startups, SME’s and other Holvi customers. This time we met with Fruitkit, a Helsinki based company which delivers the best fresh fruits direct to their customers’ doorsteps. Wait...what? Fresh fruit in Helsinki?

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Always curious? Sign up to Holvi’s blog for makers and doers.

Boost your career in a coworking space

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Business tips | 18/01/17 11:38

Working from home sounds like a dream to a lot of freelancers – until they actually try it. But a home office is full of potential distractions: chatty flatmates, the dirty dishes eyeing you reproachfully from the sink, the temptation of YouTube and Netflix because no one is watching. It’s not always easy to be productive at home, but luckily there are alternatives. And one of the easiest low-commitment options is to take your work day to a coworking space. The result is often a boost in productivity and newfound focus, and plenty of networking with like-minded people.

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Finnish FinTech goes Germany

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How to use Holvi, Holvi news, Holvi-centric | 05/01/17 07:44

Helsinki-based Holvi, established in 2011, has devised a new kind of business current account as an alternative to the products of traditional banks. Holvi combines every business management tool an entrepreneur needs, and in combination with the Holvi Business Prepaid Mastercard® card offers a completely paper-free solution to the monthly bookkeeping.

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An expat's guide to a business account – Why you need one

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How to use Holvi, Business tips, Sole trader business account | 04/01/17 14:10

At the beginning of your freelancing career you might ask yourself what the buzz about business accounts is. Why go through the effort of splitting your funds in the first place? The truth is that a business account can make your life much easier. Let German efficiency inspire you!

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Udumbara – Excellence from Natural Clay

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Business tips, Holvi-centric, Who is Holvi, Starting your business | 03/01/17 10:31

After seeing the assembly lines of China, Eva Spoof returned to Finland and started making ceramics from Finnish wild clay. Now Eva is a part-time entrepreneur in Kallio, Helsinki, where her company Udumbara sells pottery for everyday use.

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An expat's guide to health insurance - Choices for freelancers

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Business tips | 13/12/16 13:15

Your health is the most important thing in your life. It's also the solid foundation of a successful career. But some things are unpredictable. This is why health insurance is mandatory in Germany! There's no way around it, and the market is big. As a freelancer, you have a variety of choices to go for. Here's our guide through the jungle of German insurance.

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How to nail video marketing in 5 steps

Business tips, Business marketing | 08/12/16 12:24

Today’s guest blogger is Aleksandra Bodekhina. She is a young forward-looking explorer with 5 years of international experience and passion for developing great ideas. Aleksandra has been helping European businesses establish their digital presence since 2012. She is currently running marketing for a young Finnish startup Shuut - a handy mobile app for corporate video advertising on social media. 

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Freelancer vs. IHK – What to do when they send you a letter?

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Business tips, Sole trader expenses, Sole trader taxes | 06/12/16 17:22

Germany can be a weird place. Where else do you get letters out of nowhere, asking you to pay for stuff you never ordered or even wanted? Nobody is safe from the Rundfunkbeitrag letters (former GEZ - TV and radio licence), nobody is safe from the Finanzamt  – the German tax authorities – finding you and sending you your Tax ID. Freelancers are at risk of receiving yet another letter from a mysterious institution demanding money: The IHK.

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An expat's guide to Finanzamt - Steuernummer vs. Steuer ID

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Business tips, Sole trader taxes | 29/11/16 12:23

Germany is proud of its national efficiency stereotype. We get stuff done. But efficiency comes with complicated procedures and systems. Like our tax system, for example. It's like the authorities are making fun of us by inventing unpronounceable words like “Umsatzsteuervoranmeldung”, “Lohnsteuervorauszahlung” or “Steueridentifikationsnummer”, and, to make it even more fun and confusing, “Steuernummer”, which is two different things. But confusion must be avoided, especially regarding the last two unpronounceable words, as they are very important for the (expat) freelancer!

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The next generation of business banking

Holvi is a business account designed and built for entrepreneurs by entrepreneurs. Holvi account has everything your business needs, in one easy to use solution. 

  • Business current account 
  • Holvi Business Mastercard
  • Easier invoicing
  • Paperless bookkeeping

Open account

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