Vivid's Blog

Business accounts & finance tips for companies and freelancers

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Legal forms in Austria (Rechtsformen): overview and comparison

Which legal forms exist in Austria and how they differ in founding, capital and liability. At a glance: sole proprietorship, OG and KG, GmbH, FlexCo and AG.

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Company formation

WKO business plan template: structure, content, finances

Which free templates and tools the WKO offers for a business plan and how a business plan is structured. Plus the financial plan with Plan4You and the WKO design tips.

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Business accounts

Instant transfer in Austria: obligation, fees, limit

Since when banks in Austria must offer instant transfers, what they may cost, how your own limit works and what the verification of payee compares for companies.

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Tax & regulation

Invoice requirements in Austria: what goes on an invoice

Which details an invoice in Austria needs under § 11 UStG, what applies up to €400 and above €10,000, what the invoice number and VAT ID look like and how an invoice is laid out.

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Business accounts

German IBAN in Austria: what the SEPA Regulation allows

How an IBAN in Austria is built, which bank is behind the digits and why business partners may not refuse an account with a German IBAN for euro payments under the SEPA Regulation.

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Company formation

Starting a sole proprietorship in Austria: steps and costs

How a sole proprietorship (Einzelunternehmen) comes into being in Austria and which registrations are due. Plus when the commercial register applies and what founding costs.

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Business accounts

SEPA direct debit: how collection works for businesses

What a SEPA direct debit is, what the mandate must contain, how the Core and B2B schemes differ and which deadlines apply to a refund.

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Company formation

How to start a GmbH in Austria: costs, steps and the FlexCo

How a GmbH comes into being in Austria: from the articles of association and the share capital to the commercial register. Plus what founding costs, when it works without a notary and how the FlexCo differs.

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Company formation

Registering a trade in Austria: free or regulated

When you need a trade licence, how free and regulated trades differ and how registration works. Plus documents, the online route via GISA, costs and the steps that follow.

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All-in-one financial management

Get all the tools your business needs in one place, included in your plan.

Interest Account

Earn up to 5% p.a. with the Interest Account*. Your money grows and you can withdraw it at any time.

Digital Employees

Delegate routine tasks to your AI agents. They learn nonstop, run 24/7, and need no breaks or extra costs, so you can focus on what matters.

Cards & Cashback

Start cutting costs with up to 10% monthly cashback on the team’s card purchases at Google Ads, Amazon and others.

Unlimited Card Spending

Issue a card for every team member, claim guaranteed cashback and make payments for IT & Ads services without worrying about limits.

Online payments

Boost your revenue by making online payments effortless, whether customers pay via invoice, link or through your website.

Quick transfers

Gain full flexibility with SEPA Instant transfers, SWIFT transfers and easy redirects of direct debits.

Personal Account

Enjoy the ease of having your private and business finances in one place and seamlessly switch accounts whenever you need

Invoicing

Issue comprehensive invoices, track what's owed and send reminders.

Bookkeeping

Keep financial records from all your bank accounts organized. Quickly share data with your team or accountants.

Integrations

Streamline all your money management by connecting with powerful accounting tools and financial applications.

Business Travel

Search, book and pay for hotels directly from your account, including up to 30% travel cashback!

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Small & medium enterprises

Whether you're a small, medium-sized, or established business, you can open a business account quickly and digitally, and manage expenses in just a few clicks.

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