Best Business Account 2025
Best Business Account 2025Verivox.de
Highest Interest Rate for Business 2025Für-Gründer.de
Top Mobile Banking 2025Handelsblatt.com
Top German Startups 2024LinkedIn- Trustpilot: Excellent!
- Best Business Account 2025Verivox.de
- Highest Interest Rate for Business 2025Für-Gründer.de
- Top Mobile Banking 2025Handelsblatt.com
- Top German Startups 2024LinkedIn
- Trustpilot: Excellent!
Free account with unlimited IBANs
Integrations with accounting software
4% p.a. interest rate on positive balance
Cashback on every purchase with free VISA card for every team member
SWIFT and SEPA instant transfers
- Open a business account
Get up to 10% 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
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.
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 unlimited IBANs
Full online registration—no in-person step. Friendly onboarding: everyone’s situation is unique and we consider each case individually.
Fast transfers and SEPA direct debits
Receiving and sending money is made easy via SEPA Instant and SWIFT transfers. Redirecting your direct debits from your current bank to Vivid goes quick - no extra costs involved.
within monthly limits
Free physical and virtual cards
Free delivery of the first physical card for each member of your company. High spending limits on each card to match your needs.
Team access with personalized permissions
Assign Admin roles to employees for full access to the account, and Assistant roles to external accountants and employees for limited access.
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
Agicap
Cloud-based cash flow management tool for budgeting, forecasting, and liquidity control, helping SMBs improve financial visibility and planning
cegid
Cloud software suite for accounting, payroll, ERP, and retail management with analytics, automation, and compliance tools for growing companies
EBP
French-developed accounting and business management software offering invoicing, payroll, and analytical tools for entrepreneurs and accountants.
Dougs
Online accounting and tax advisory service for automates bookkeeping, payroll, and VAT declarations with support from certified accountants.
Axonaut
All-in-one business management tool for SMEs, integrating CRM, invoicing, accounting, and HR tools in one user-friendly interface.
Pennylane
Real-time accounting and cash flow platform that connects bank accounts, invoices, and accountants for transparent financial management.
Regate
Automation platform for finance teams that simplifies invoice processing, payment approvals, and expense management.
Indy
Smart administration and accounting tool built specifically for freelancers, automating bookkeeping, tax declarations, and invoicing.
I paid that
Cash flow and invoice management platform that centralizes payments, automates reconciliation, and offers real-time financial insights.
NETexcom
Online accounting platform for small and medium businesses, offering invoicing, bank synchronization, and reporting features.
Inqom
AI-powered automated accounting platform that transforms raw financial data into ready-to-use accounting entries and reports.
Evoliz
Cloud-based invoicing and accounting tool for SMEs, combining CRM, expense tracking, and document management in one tool.
Fiteco
French accounting firm offering digital tools and cloud services for bookkeeping, payroll, and business advisory.
Sinao
Simple and intuitive invoicing and accounting solution that helps entrepreneurs and freelancers manage sales, expenses, and cash flow.
Abby
Mobile-first accounting and tax management app for freelancers, enabling easy expense tracking, invoicing, and income reporting.
Freebee
All-in-one invoicing and accounting tool designed for self-employed professionals, offering quote management, tax tracking, and income monitoring.
RCA
Comprehensive accounting and payroll tool for SMEs and accounting firms, integrating financial analysis and tax reporting capabilities.
Self Med
Specialized accounting solution tailored for healthcare professionals, simplifying income tracking, tax preparation, and expense management.
Plino
Smart cloud accounting platform for SMEs with automated bookkeeping, expense tracking, and real-time financial insights.
Netsuite
Unified cloud ERP and finance platform offering enterprise-level solutions for accounting, resource planning, e-commerce, and business analytics.
FreshBooks
Simple and user-friendly invoicing and accounting tool for freelancers and small businesses.
Holded
All-in-one business platform for accounting, invoicing, CRM, and project tracking, streamlining daily operations and decision-making for SMEs
A3ERP
Comprehensive ERP software designed for SMEs, combining accounting, sales, inventory management, and reporting in a unified cloud platform.
Mobile app
Organise your budget and payments by opening multiple accounts with separate IBANs. Send money in a few taps. Issue, customise, freeze and manage your virtual and physical cards in your app.
Web app — for business accounts
Oversee your personal and business accounts in the same mobile app—switch between them seamlessly. Use our web app to conveniently manage your business account from your computer.
Open a business accountOrganise your budget and payments by opening multiple accounts with separate IBANs. Send money in a few taps. Issue, customise, freeze and manage your virtual and physical cards in your app.
Get the app
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.
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 IBANsUnlimited
- 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 InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 €
- Support
- 24/7 human supportYes
- Accounts & Interest
- Get started
Basic
Ideal for small businesses with steady transactions needing reliable everyday banking at low cost
6,9 € / monthexcl. VAT
2 months free trial- Accounts & Interest
- Free accounts with unique IBANsUnlimited
- 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
- Accounts & Interest
- Get started
Pro
Best for growing companies with more activity and advanced needs — built to keep fast teams in sync
18,9 € / monthexcl. VAT
2 months free trial- Accounts & Interest
- Free accounts with unique IBANsUnlimited
- 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
- Accounts & Interest
- 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
- Fee for receiving card payments from clients (EEA cards), from0,79% (+0,25 €)
- Treasury (stocks, ETFs, crypto)Free
- Digital employees (personal and legal AI assistants)Free
(until December 31st)
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.