For FREE

Become self-employed
in minutes

  • Fully online, also available in English
  • Simple form with tips
  • Fast human support through chat or email. 24/7 availability
  • Business account right away — cashback, interest, transfers, invoices
You’ll be redirected to Norman to complete details for the joint offer
Hero
  • 10.000+
    registered freelancers
  • 50.000+
    business accounts
  • 4,6
    Trustpilot rating

How does the setup work?

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  1. Complete the online form to apply for your tax ID number within 10 minutes

    100% digital and free, available in English. No paper forms or letters to Finanzamt

  2. Open your Vivid Business account within 10 minutes

    You receive your DE-IBAN instantly. No need to wait for the tax number.

  3. Start using the account right away

    Make a deposit, issue a free card, choose cashback categories and get 4% p.a. interest rate on positive balance

  4. Get the tax number

    The tax office will send your new tax number by post — usually within 4-8 weeks.

What kind of self-employed am I?

Freiberufler or Gewerbetreibender? We’ll help you figure it out if you’re not sure.

Freiberufler:in
Gewerbetreibende:r
Definition
Liberal professions (intellectual/creative)
Commercial/business activities
Professions
Doctors, lawyers, designers, consultants
Shops, e-commerce, craftsmen
Registration
Finanzamt only
Finanzamt + Gewerbeamt
Trade tax
No
Yes
VAT
Yes (or Kleinunternehmer)
Yes (or Kleinunternehmer)
Accounting
Simplified (EÜR)
Mostly simplified, can be complex

Financial tools you get after registration

Use your Vivid Business account for payments, cashback, interest, and more.

Open a freelancer account
DECountryGermany
Business typeSole proprietor
Legal entity typeKleingewerbetreibende
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.

Plans for freelancers

Monthly
Annual
Save up to 24%

Best for busy professionals handling higher volumes who need advanced controls and faster operations

  • Standard

    Perfect for new freelancers and enterpreneurs testing essential business banking with no monthly fees

    0 € / month

    Free of charge at all times
    • Accounts & Interest
    • Free accounts with unique IBANs
      12
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      0,5%
    • Cards & Cashback
    • Guaranteed unlimited cashback
      0,1%
    • Cashback on selected categories and brands, up to
      2%
    • Virtual and physical cards
      Free
    • Card spending limit
      50.000 €
    • Transfers
    • SEPA Instant
      Free
    • Incoming SWIFT
      Free
    • Outgoing SWIFT
      5 €
    • Fee for card top-up


      200 € free,
      then from 1%,
      min 0,49 €
    • Support
    • 24/7 human support
      Yes
    • Dedicated customer success team
      No
  • Prime

    Ideal for growing solo businesses wanting more tools and smoother daily workflows at fair pricing

    6,9 € / month
    excl. VAT
    2 months free trial
    • Accounts & Interest
    • Free accounts with unique IBANs
      15
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      2,5%
    • Cards & Cashback
    • Guaranteed unlimited cashback
      0,5%
    • Cashback on selected categories and brands, up to
      4%
    • Virtual and physical cards
      Free
    • Card spending limit
      50.000 €
    • Transfers
    • SEPA Instant
      Free
    • Incoming SWIFT
      Free
    • Outgoing SWIFT
      5 free per month, then 5 €
    • Fee for card top-up


      1.000 € free,
      then from 1%,
      min 0,49 €
    • Support
    • 24/7 human support
      Yes
    • Dedicated customer success team
      No
  • Pro

    Best for busy professionals handling higher volumes who need advanced controls and faster operations

    19 € / month
    excl. VAT
    2 months free trial
    • Accounts & Interest
    • Free accounts with unique IBANs
      20
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      2,6%
    • Cards & Cashback
    • Guaranteed unlimited cashback
      0,75%
    • Cashback on selected categories and brands, up to
      6%
    • Virtual and physical cards
      Free
    • Card spending limit
      50.000 €
    • Transfers
    • SEPA Instant
      Free
    • Incoming SWIFT
      Free
    • Outgoing SWIFT
      10 free per month, then 5 €
    • Fee for card top-up


      1.000 € free, then from 1%, min 0,49 €
    • Support
    • 24/7 human support
      Yes
    • Dedicated customer success team
      Coming soon
  • Pro+

    Built for full-time, high-volume freelancers seeking maximum perks and pro-level control, end to end

    41 € / month
    excl. VAT
    2 months free trial
    • Accounts & Interest
    • Free accounts with unique IBANs
      30
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      2,7%
    • Cards & Cashback
    • Guaranteed unlimited cashback
      1%
    • Cashback on selected categories and brands, up to
      8%
    • Virtual and physical cards
      Free
    • Card spending limit
      50.000 €
    • Transfers
    • SEPA Instant
      Free
    • Incoming SWIFT
      Free
    • Outgoing SWIFT
      15 free per month, then 5 €
    • Fee for card top-up


      1.000 € free, then from 1%, min 0,49 €
    • Support
    • 24/7 human support
      Yes
    • Dedicated customer success team
      Coming soon
Features you get on every plan
  • Invoicing
    Free
  • Documents to be attached 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
    250.000 €,
    12 months
  • Fee for receiving card payments from clients (EEA cards), from
    0,79% (+0,25 €)

Got more questions?

  • Who is Norman?

    Norman is our digital assistant that guides you through the official registration with the Finanzamt. It helps you complete the tax form correctly and ensures your freelance activity is properly registered in Germany.
  • Yes. From submitting your tax registration form to opening your Vivid Business account — everything is 100% digital. No paperwork, no appointments, no visits to the Finanzamt.

  • Yes. To work officially in Germany, you must complete the Fragebogen zur steuerlichen Erfassung (tax registration form) and submit it to the Finanzamt. Once approved, you receive your dedicated Steuernummer for freelance activities.

  • Not legally required, but highly recommended. A dedicated business account makes bookkeeping easier, keeps private and business finances separate, and simplifies tax reporting. With Vivid Business, you get an account designed specifically for freelancers.

  • Yes. You don't need to wait for the tax office letter (which usually takes 4–8 weeks). You can already send invoices, get paid, and deduct business expenses — just make sure to add your Steuernummer once it arrives.

    • Freiberufler: Professions involving intellectual or creative services (e.g., consultants, architects, translators, designers, journalists, doctors). Registered only with the Finanzamt, simplified accounting, no trade tax.
    • Gewerbetreibender: Business owners and tradespeople (e-commerce, retail, craftsmen, restaurants). Must also register with the Gewerbeamt, may pay Trade Tax, and often face more complex accounting.
  • If your turnover is less than €25,000 in the first year and not more than €100,000 in the second year, you can register as a Kleinunternehmer. This means you don't charge VAT on invoices and bookkeeping stays simple. However, some clients may prefer working with VAT-registered freelancers because they can deduct VAT.

  • Usually every quarter (Vorauszahlungen) and once a year with your tax return. The Finanzamt will inform you of the exact dates and amounts.

    We're working on a feature that will let you manage your tax payments directly in Vivid — making the process even easier.