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

- 10.000+registered freelancers
- 50.000+business accounts
- 4,6Trustpilot rating
How does the setup work?

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
Open your Vivid Business account within 10 minutes
You receive your DE-IBAN instantly. No need to wait for the tax number.
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
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.
Financial tools you get after registration
Use your Vivid Business account for payments, cashback, interest, and more.
Plans for freelancers
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 IBANs12
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*0,5%
- Cards & Cashback
- Guaranteed unlimited cashback0,1%
- Cashback on selected categories and brands, up to2%
- Virtual and physical cardsFree
- Card spending limit50.000 €
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 €
- Fee for card top-up200 € free,
then from 1%,
min 0,49 € - Support
- 24/7 human supportYes
- Dedicated customer success teamNo
Prime
Ideal for growing solo businesses wanting more tools and smoother daily workflows at fair pricing
6,9 € / monthexcl. VAT
2 months free trial- Accounts & Interest
- Free accounts with unique IBANs15
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*2,5%
- Cards & Cashback
- Guaranteed unlimited cashback0,5%
- Cashback on selected categories and brands, up to4%
- Virtual and physical cardsFree
- Card spending limit50.000 €
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 free per month, then 5 €
- Fee for card top-up1.000 € free,
then from 1%,
min 0,49 € - Support
- 24/7 human supportYes
- Dedicated customer success teamNo
Pro
Best for busy professionals handling higher volumes who need advanced controls and faster operations
19 € / monthexcl. VAT
2 months free trial- Accounts & Interest
- Free accounts with unique IBANs20
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*2,6%
- Cards & Cashback
- Guaranteed unlimited cashback0,75%
- Cashback on selected categories and brands, up to6%
- Virtual and physical cardsFree
- Card spending limit50.000 €
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT10 free per month, then 5 €
- Fee for card top-up1.000 € free, then from 1%, min 0,49 €
- Support
- 24/7 human supportYes
- Dedicated customer success teamComing soon
Pro+
Built for full-time, high-volume freelancers seeking maximum perks and pro-level control, end to end
41 € / monthexcl. VAT
2 months free trial- Accounts & Interest
- Free accounts with unique IBANs30
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*2,7%
- Cards & Cashback
- Guaranteed unlimited cashback1%
- Cashback on selected categories and brands, up to8%
- Virtual and physical cardsFree
- Card spending limit50.000 €
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT15 free per month, then 5 €
- Fee for card top-up1.000 € free, then from 1%, min 0,49 €
- Support
- 24/7 human supportYes
- Dedicated customer success teamComing soon
- InvoicingFree
- Documents to be attached for bookkeeping (on every paid plan)Unlimited
- Integrations (sevDesk, Lexware Office, DATEV, ...)Free
- Business travel cashback up to30%
- Crypto Earn rewards up to8% APY
- Maximum loan amount & repayment term250.000 €,
12 months - Fee for receiving card payments from clients (EEA cards), from0,79% (+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.Is the entire process fully online?
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.
Do I need to register as a freelancer?
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.
Do I need a separate business bank account?
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.
Can I start freelancing before I get my tax number (Steuernummer)?
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.
What's the difference between a Freiberufler and a Gewerbetreibender?
- 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.
What is Kleinunternehmer status?
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.
When do freelancers pay taxes in Germany?
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.