Best Business Account 2025
for your partnership
Best Business Account 2025Finanzfluss.de
Highest Interest Rate for Business 2025Für-Gründer.de
Top Mobile Banking 2025Handelsblatt.com
Top German Startups 2024LinkedIn- Trustpilot: Excellent!
Benefits of a business account
for the partnership
Simplify your bookkeeping
Avoid mixing business and personal funds to improve financial oversight.
Build trust with clients
Enhance your business credibility with a dedicated business account.
Increase your sales
Expand your customer base by accepting mulitple payment methods, including cards.
Everything you need — online, without the paperwork
Separate business account for the partnership
Free account with up to 30 IBANS
4% p.a. interest rate on positive balance
SWIFT and instant SEPA transfers
Free VISA card for every team member with up to 10% cashback
- Open a business account
Rated with the highest score “Sehr gut” by Handelsblatt, Germany’s no.1 business and financial journal
Interest account
Earn 4% interest annually
Keep your uninvested cash in your Interest Account and earn 4% per year for the first 4 months. When the promo period is over, you earn up to 2%*.
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.
Get cashback for every card purchase
Issue a free card for every team member. Pick your favourite cashback categories for the upcoming month.
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.
All-in-One Business Account
Main account
€134,000.00
🇩🇪 IBAN • 4565
Employees
€4,906.00
🇩🇪 IBAN • 1337
Taxes, Employee benefits, Payroll
€11,700.00
🇩🇪 IBAN • 1620
Savings
€1890.00
🇩🇪 IBAN • 1890
Free account with up to 30 IBANS
Full online registration — no in-person step. Friendly onboarding: everyone’s situation is unique and we consider each case individually.
SWIFT and instant SEPA transfers
Get and send transfers in a few seconds with SEPA Instant. Accept funds internationally with SWIFT transfers.
Advanced security features
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.
Integrations with accounting software
Sync your transactions and bank statements with platforms like DATEV, sevDesk, and others. Stay updated without manual data entry, making expense tracking and tax prep easier.
Lexware Office(ex-lexoffice)
German software with vast features for accounting, invoicing and payroll
DATEV (transactions)
German software with vast features for accounting, invoicing and payroll
DATEV (documents)
German software with vast features for accounting, invoicing and payroll
sevDesk
Online software with vast features for accounting and invoicing, available in several languages
Оdoo
Odoo is a user-friendly financial management tool that simplifies invoicing, bookkeeping, and reporting for businesses
FastBill
German online-software for accounting, invoicing and financial analysis
easybill
German online-software for invoicing and stock management
Sage
Solutions for invoicing, expense tracking, bank reconciliation, payroll processing, financial reporting, and tax compliance.
BuchhaltungsButler
German online-software for accounting, invoicing and financial analysis
Commitly
German online-software for cashflow planning
Puls Project
German online-software for cashflow planning and management of several bank accounts
GetMyInvoices
German online-software that automatically collects invoices from online portals, inboxes and scans
MoneyMoney
German software designed specifically for macOS to manage and analise several bank accounts
Finanzguru
German application that supports in tracking and analising finances
Addison
Workflow‑oriented accounting and tax management solution with finance, payroll, controlling, invoicing, and document handling.
Agenda
Integrated business software for accounting, payroll, HR, tax calculation, invoicing, and document management
BMD
Integrated business software for accounting, document management, HR, and ERP, with powerful automation and cloud access
Plans
Best for growing companies with more activity and advanced needs — built to keep fast teams in sync
- Get started
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- Accounts & Interest
- Free accounts with unique IBANs12
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*0,1%
- Cards & Cashback
- Guaranteed unlimited cashback0,1%
- Cashback on selected categories and brands, up to2%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantOutgoing: 5 free per month, then 0,2 €
- Incoming SWIFTFree
- Outgoing SWIFT5 €
- Support
- 24/7 human supportYes
- Get started
Basic
Ideal for small businesses with steady transactions needing reliable everyday banking at low cost
7 € / 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*0,5%
- Cards & Cashback
- Guaranteed unlimited cashback0,25%
- Cashback on selected categories and brands, up to4%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 free per month, then 5 €
- Support
- 24/7 human supportYes
- Get started
Pro
Best for growing companies with more activity and advanced needs — built to keep fast teams in sync
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*1,3%
- Cards & Cashback
- Guaranteed unlimited cashback0,5%
- Cashback on selected categories and brands, up to6%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT10 free per month, then 5 €
- Support
- 24/7 human supportYes
- 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 €)