Best Business Account 2025 for associations and non-profits

Boost your impact with the all-in-one account for non-profits, foundations and associations. Monitor expenses in real-time while collecting donations and membership fees effortlessly.

Trustpilot: Excellent! | 19.000+ reviews

Open a business account

Celebrating excellence
Some of our latest achievements and recognitions
Best Business Account 2025
Finanzfluss.de
Highest Interest Rate for Business 2025
Für-Gründer.de
Top Mobile Banking 2025
Handelsblatt.com
Top German Startups 2024
LinkedIn

3 good reasons for Vivid Business

Account opened within 10 minutes

Complete the full registration in a few steps online - forget about paperwork.

Building trust

Enhance your organisation's credibility with a dedicated business account.

Bookkeeping made simple

Avoid mixing business and personal funds to improve financial oversight.

Open a business account

Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.

Plans built for every association and non-profit

Because societies, foundations and charities deserve the right financial management tools to thrive.

Monthly

Payment period

Annual

Save up to 24%

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

Free Start
Perfect for newly registered companies setting up finances and trying key banking features for free
0 € / month

Free of charge at all times
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  12
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  0,1%
- 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
  Outgoing: 5 free per month, then 0,2 €
- Incoming SWIFT
  Free
- Outgoing SWIFT
  5 €
- Support
- 24/7 human support
  Yes
Basic
Ideal for small businesses with steady transactions needing reliable everyday banking at low cost
7 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  15
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  0,5%
- Cards & Cashback
- Guaranteed unlimited cashback
  0,25%
- 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
Best for growing companies with more activity and advanced needs — built to keep fast teams in sync
19 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  20
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  1,3%
- 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
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 €)

Compare all features

Make your money grow effortlessly

Secure a 4% annual interest rate for the first four months, then enjoy up to 2% p.a., depending on your plan.* Your money is invested by us in Qualifying Money Market Funds to generate interest. More about interest can be found here.

Open a business account

Your money is safe with us

Safely stored

Your funds are placed in assets like deposits with the Central Bank of Luxembourg and high-quality Qualifying Money Market Funds (QMMFs), managed by BlackRock and others. Unlike traditional banks, we don’t use client funds for risky loans.

Overseen by European financial authorities

All our services are provided by the Vivid Money group: Vivid Money SA is regulated by the Commission de Surveillance du Secteur Financier (CSSF) of Luxembourg and Vivid Money B.V. is regulated by the Dutch Authority for Financial Markets (AFM).

Secured against our insolvency

Your funds are kept separate from our own. In the unlikely event of Vivid Money SA or Vivid Money B.V. becoming insolvent, our customers' money remains safe — even beyond €100,000. The funds in your account are yours, and yours alone.

Superior payment security

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

2-step authentication

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

GDPR compliance

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