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Best Business Account 2026 for Company creators

Launch your GmbH or UG in Germany with Vivid. Open your business account online, transfer your share capital, and get up and running within days.

Trustpilot: Excellent! | 30,000+ reviews

Hero
  • Award: Top Mobile Banking 2026

    Top Mobile Banking 2026

    Handelsblatt

  • Award: Industry Leader 2026

    Industry Leader 2026

    F.A.Z. Institut

  • Award: Best SME Service Provider 2026

    Best SME Service Provider 2026

    WirtschaftsWoche

  • Award: German Service Award 2026

    German Service Award 2026

    DISQ Institut

  • Award: Best Business Account 2026

    Best Business Account 2026

    Für Gründer

Start your business in 3 easy steps

1

Open Vivid Business account within 10 minutes

Complete online registration — no in-person steps. Friendly onboarding tailored to your unique situation.

2

Transfer your share capital

Get a digital statement in 1 hour. Submit to your notary to finalize your setup.

3

Activate your business account

Register your company and upload the extract to your Vivid Money account – we handle the rest.

Open a business account

Country
Business type
Legal entity type
Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.

Everything you need – online, paperwork-free

Person writing
  • A dedicated account for your share capital

  • Get an IBAN in seconds

  • 5% p.a. interest rate on positive balance*

  • Free VISA card for every team member

  • SWIFT and Instant SEPA transfers

  • Open a business account
Superior payment security

Superior payment security

We comply with the Payment Card Industry Data Security Standards to protect your payment information.

2-step authentication

2-step authentication

With 3D Secure and two-step authentication we ensure no payment is made without your authorisation.

GDPR compliance

GDPR compliance

Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.

Interest account

your interest rate

Earn 5% interest annually

Get 5% p.a. fixed for 5 months* in USD & GBP or 4% p.a. fixed for 4 months* in EUR.

Access to your money any time

Top-up and withdraw your funds any day, any time.* Money is immediately available upon withdrawal to your Business account.

We keep your money safe

To protect your money while offering a good return, we invest your money in Money Market Funds (MMF). All the funds we use have AAA/Aaa ratings from rating agencies such as S&P and Moody's and Fitch. Read more about how Vivid safeguards your funds here.

Up to 10% cashback helps you cut business expenses

Issue a free card for every team member. Pick your favourite cashback categories for the upcoming month.

payment
  • All purchases, up to 1%

    Guaranteed unlimited cashback on all purchases, excl. ATM withdrawals and SEPA transfers.

  • Facebook advertising, up to 10%

    Purchases of Facebook advertising.

  • Amazon, up to 10%

    Purchases on Amazon.

  • Google advertising, up to 10%

    Purchases of Google advertising.

  • More categories

    Pick your favourite cashback categories every month.

Discover cashback

Integrations with accounting software

Sync your transactions and bank statements with platforms like DATEV, lexoffice, and others. Stay updated without manual data entry, making expense tracking and tax prep easier.

  • Lexware Office (ex-lexoffice) (transactions)
    Lexware Office (ex-lexoffice) (transactions)

    German software with vast features for accounting, invoicing and payroll

  • Lexware Office (ex-lexoffice) (documents)
    Lexware Office (ex-lexoffice) (documents)

    German software with vast features for accounting, invoicing and payroll

  • DATEV (transactions)
    DATEV (transactions)

    German software with vast features for accounting, invoicing and payroll

  • DATEV (documents)
    DATEV (documents)

    German software with vast features for accounting, invoicing and payroll

  • DATEV Buchungsdatenservice
    DATEV Buchungsdatenservice

    DATEV service for transferring booking data to tax advisors and accounting systems.

  • sevDesk
    sevDesk

    Online software with vast features for accounting and invoicing, available in several languages

  • Odoo
    Odoo

    Odoo is a user-friendly financial management tool that simplifies invoicing, bookkeeping, and reporting for businesses

  • Sorted
    Sorted

    Digital platform for streamlined document organization, workflow automation, and tax-related file management.

  • Sage
    Sage

    Solutions for invoicing, expense tracking, bank reconciliation, payroll processing, financial reporting, and tax compliance.

  • BuchhaltungsButler
    BuchhaltungsButler

    German online-software for accounting, invoicing and financial analysis

  • Pennylane
    Pennylane

    Real-time accounting and cash flow platform that connects bank accounts, invoices, and accountants for transparent financial management.

  • FastBill
    FastBill

    German online-software for accounting, invoicing and financial analysis

  • easybill
    easybill

    German online-software for invoicing and stock management

  • Puls Project
    Puls Project

    German online-software for cashflow planning and management of several bank accounts

  • Agicap
    Agicap

    Cloud-based cash flow management tool for budgeting, forecasting, and liquidity control, helping SMBs improve financial visibility and planning

  • Agenda
    Agenda

    Integrated business software for accounting, payroll, HR, tax calculation, invoicing, and document management

  • Addison
    Addison

    Workflow‑oriented accounting and tax management solution with finance, payroll, controlling, invoicing, and document handling.

  • Commitly
    Commitly

    German online-software for cashflow planning

  • GetMyInvoices
    GetMyInvoices

    German online-software that automatically collects invoices from online portals, inboxes and scans

  • Wiso Steuer
    Wiso Steuer

    Tax software for quick filing, accurate income reporting, smart optimization, and secure document submission.

  • Finanzguru
    Finanzguru

    German application that supports in tracking and analising finances

  • BMD
    BMD

    Integrated business software for accounting, document management, HR, and ERP, with powerful automation and cloud access

  • MoneyMoney
    MoneyMoney

    German software designed specifically for macOS to manage and analise several bank accounts

  • Norman
    Norman

    AI accounting and tax filing for freelancers and companies.

  • cegid
    cegid

    Cloud software suite for accounting, payroll, ERP, and retail management with analytics, automation, and compliance tools for growing companies

  • EBP
    EBP

    French-developed accounting and business management software offering invoicing, payroll, and analytical tools for entrepreneurs and accountants.

  • Dougs
    Dougs

    Online accounting and tax advisory service for automates bookkeeping, payroll, and VAT declarations with support from certified accountants.

  • Axonaut
    Axonaut

    All-in-one business management tool for SMEs, integrating CRM, invoicing, accounting, and HR tools in one user-friendly interface.

  • Regate
    Regate

    Automation platform for finance teams that simplifies invoice processing, payment approvals, and expense management.

  • Indy
    Indy

    Smart administration and accounting tool built specifically for freelancers, automating bookkeeping, tax declarations, and invoicing.

  • I paid that
    I paid that

    Cash flow and invoice management platform that centralizes payments, automates reconciliation, and offers real-time financial insights.

  • NETexcom
    NETexcom

    Online accounting platform for small and medium businesses, offering invoicing, bank synchronization, and reporting features.

  • Inqom
    Inqom

    AI-powered automated accounting platform that transforms raw financial data into ready-to-use accounting entries and reports.

  • Evoliz
    Evoliz

    Cloud-based invoicing and accounting tool for SMEs, combining CRM, expense tracking, and document management in one tool.

  • Fiteco
    Fiteco

    French accounting firm offering digital tools and cloud services for bookkeeping, payroll, and business advisory.

  • Sinao
    Sinao

    Simple and intuitive invoicing and accounting solution that helps entrepreneurs and freelancers manage sales, expenses, and cash flow.

  • Abby
    Abby

    Mobile-first accounting and tax management app for freelancers, enabling easy expense tracking, invoicing, and income reporting.

  • Freebe
    Freebe

    All-in-one invoicing and accounting tool designed for self-employed professionals, offering quote management, tax tracking, and income monitoring.

  • RCA
    RCA

    Comprehensive accounting and payroll tool for SMEs and accounting firms, integrating financial analysis and tax reporting capabilities.

  • Self Med
    Self Med

    Specialized accounting solution tailored for healthcare professionals, simplifying income tracking, tax preparation, and expense management.

  • Plino
    Plino

    Smart cloud accounting platform for SMEs with automated bookkeeping, expense tracking, and real-time financial insights.

  • Netsuite
    Netsuite

    Unified cloud ERP and finance platform offering enterprise-level solutions for accounting, resource planning, e-commerce, and business analytics.

  • FreshBooks
    FreshBooks

    Simple and user-friendly invoicing and accounting tool for freelancers and small businesses.

  • Holded
    Holded

    All-in-one business platform for accounting, invoicing, CRM, and project tracking, streamlining daily operations and decision-making for SMEs

Plans for companies

Monthly
Annual
Save up to 24%

Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync

  • Free Start

    Suited for newly registered companies setting up finances and looking to try key banking features for free

    0 € / month
    Free of charge at all times
    Get started
    • Accounts & Interest
      • Free accounts with unique IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        0,1%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        0,2%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,1%
      • Cashback on selected categories and brands, up to
        2%
      • Virtual and physical cards
        Free
      • Card spending limits for ads & IT services
        Unlimited
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        Not Available
    • Support
      • 24/7 human support
        Yes
  • Basic

    Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost

    6,9 € / month

    Get started
    • Accounts & Interest
      • Free accounts with unique IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        0,5%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        1%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,2%
      • Cashback on selected categories and brands, up to
        4%
      • Virtual and physical cards
        Free
      • Card spending limits for ads & IT services
        Unlimited
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        5 free per month, then 5 €
    • Support
      • 24/7 human support
        Yes
  • Pro

    Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync

    18,9 € / month

    Get started
    • Accounts & Interest
      • Free accounts with unique IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        1,3%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        2%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,5%
      • Cashback on selected categories and brands, up to
        6%
      • Virtual and physical cards
        Free
      • Card spending limits for ads & IT services
        Unlimited
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        10 free per month, then 5 €
    • Support
      • 24/7 human support
        Yes
Features you get on every plan
  • Invoicing
    Free
  • Document uploads for bookkeeping (on every paid plan)
    Unlimited
  • Integrations (sevDesk, Lexware Office, DATEV, ...)
    Free
  • Business travel cashback up to
    30%
  • Crypto Earn rewards up to
    8% APY
  • Maximum loan amount & repayment term
    200,000 €,
    12 months
  • Fee for receiving card payments from clients (EEA cards), from
    0,79% (+0,25 €)
  • Business Brokerage (stocks, ETFs, crypto)
    Free
  • Tax filing (for freelancers)
    Free
  • POS terminal
    Free
  • Flat transaction fee (all cards)
    Up to 1.49%
  • Digital employees (personal and legal AI assistants)
    Free
Mobile banking sehr gut

Rated with the highest score “Sehr gut” by Handelsblatt, Germany’s no.1 business and financial journal

Europe’s best companies run on Vivid

100,000+ European businesses spend less on fees, get paid faster, and close the books sooner

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