Holvi offers two card types: physical and virtual cards. Both link directly to your account and include built-in expense management. The main difference is how you issue, store and use them for everyday business transactions.
| Feature | Physical card | Virtual card |
|---|---|---|
| Form factor | Physical card in your wallet | Digital card inside your Holvi app & mobile wallet |
| Available card types | Debit and credit* | Debit and credit* |
| Available as currency cards | No | Yes – GBP and USD |
| Available as subscription cards | No | Yes – learn more |
| Issuance time | Delivered by post (typically 10–15 business days) | Created instantly and ready for immediate use |
| In-store payments | Chip & PIN, Contactless, Apple Pay / Google Pay | Apple Pay / Google Pay |
| Online payments | Supported | Supported |
| ATM withdrawals | Yes | No |
| Spending limits | Up to €40,000 daily / €100,000 monthly | Up to €20,000 daily / €45,000 monthly |
| Security & control | Primary card for daily spending; can be locked at any time in the app | Unique details; lock or delete it without affecting physical cards |
| Unique 16-digit card number and 3-digit CVC code | Yes | Yes |
| PIN code | Yes | No – payments are confirmed with the Holvi app |
*Credit cards require separate approval.
Physical Holvi cards
Classic payment cards designed for complete on-the-go flexibility.
- Best for: In-person purchases, business travel, and cash withdrawals.
- Key benefit: Full payment versatility anywhere Mastercard is accepted, including chip & PIN terminals and ATMs.
- Available types: Holvi Business Debit Card, Holvi Business Credit Card.
| Holvi Business Debit Card | Holvi Business Credit Card |
|---|---|
Virtual Holvi cards
Virtual cards work exactly like your physical card when paying online and with Apple Pay/Google Pay, only they live in your Holvi app and digital wallet – not in your actual wallet. Each card has a unique 16-digit card number tied to your Holvi account, allowing you to lock or cancel it without impacting your main Holvi card.
They’re digital-only cards designed for fast, safe, and flexible online and mobile spending.
- Best for: Online software subscriptions, vendor payments, and isolated digital transactions.
- Key benefit: Enhanced security. If a virtual card detail is compromised, you can lock or delete it instantly without reordering your physical card.
- Available types: Holvi Business Virtual Debit Card, Holvi Business Virtual Credit Card.
| Holvi Business Virtual Debit Card | Holvi Business Virtual Credit Card |
|---|---|