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Financial tools built for online sellers

Earn cashback on ads and marketplace spend, give your team free cards with limits you control, and accept customer payments your way: online, by link or QR code. All in one account.

Trustpilot: Excellent! | 30,000+ reviews

Financial tools built for online sellers
  • Award: Top Mobile Banking 2026

    Top Mobile Banking 2026

    Handelsblatt

  • Award: Industry Leader 2026

    Industry Leader 2026

    F.A.Z. Institut

  • Award: Best SME Service Provider 2026

    Best SME Service Provider 2026

    WirtschaftsWoche

  • Award: German Service Award 2026

    German Service Award 2026

    DISQ Institut

  • Award: Best Business Account 2026

    Best Business Account 2026

    Für Gründer

Everything an online shop runs on, in one account

  • Card payment
    All card payments up to 1%
    Guaranteed, unlimited cashback
    €124,16
    − €12.416,32
  • Google Ads
    Google Ads up to 7%
    Advertising costs
    €339,50
    − €4.850,00
  • Meta
    Meta/Facebook Ads up to 7%
    Advertising costs
    €278,60
    − €3.980,00
  • Amazon
    Amazon up to 7%
    Advertising costs
    €44,80
    − €640,00
  • OpenAI
    OpenAI up to 5%
    AI subscriptions
    €4,60
    − €92,00

Earn cashback on ads, Amazon and the tools you run on

Advertising is where a third of your spend goes, and Amazon takes much of the rest. Both earn cashback, and so does everything else you buy.
  • Up to 7% back on Google and Meta Ads and on Amazon, depending on the plan. Selected categories carry a monthly maximum.
  • Up to 5% on software subscriptions, and up to 1% on everything else with no cap.

Cards for every purpose, control over every spend

Issue free cards for your team or for specific expenses: from Google Ads and Amazon to subscriptions. Set how much each card can spend and where it can be used.
  • Free cards for team members, projects or specific expenses
  • Set limits and restrict spending by category or even brand

Why our customers choose Vivid

100,000+ European businesses spend less on fees, get paid faster, and close the books sooner

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Vivid helps us every day with effective, efficient cash-flow management.

Nicolò Daniele Donato, Founder & Managing Director, Deluxy

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My first transfer took about ten seconds. I’ve never finished a transfer that fast.

Martin, Founder, KeMar Kitchenware

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With my previous account the rate on the balance was zero. Now it’s 1.3% — which is still more than zero.

Rubens Gardelli, Founder, Gardelli Specialty Coffees

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With Vivid I felt at ease right away: the ability to set money aside automatically, and to have those sums earn a return, has been a real help to us.

— Umberto Brignone, third generation, Pasticceria Brignone

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With a system like this we can really keep growing and scaling, because we can act fast and flexibly.

Udo Uhlig, Co-Founder, Onshii

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Sugar-free, from scratch: how Alexandra Pocol built Simply Keto

Alexandra Pocol, Founder, Simply Keto

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Origin doesn't matter, language doesn't matter, performance matters.

Henoch Förster, Founder & CEO, Bolzplatzkind

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There’s never been a business account that comes close to these offers, this output, and this return.

Giovanni Bruno, Founder and Managing Director, fokus digital GmbH

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Choose how your customers pay

Boost your revenue by offering your customers and partners additional payment methods beyond the link to pay for products and services.

  • No coding skills needed

    Create a payment link directly via your Vivid Business app and share it with customers. They are taken to a secure payment form and can check out. This way, you are ready to go even without a website.

  • Generate revenue online and in person

    Send the payment link via digital channels or share it as a QR code with customers on site. Payments can be made by card, Google Pay, Apple Pay or Samsung Pay - whether on desktop or smartphone.

  • Encrypted data transmission

    Payment links lead to a secure form that encrypts all personal details and card data. This lets your customers pay via link with peace of mind, while you can track all revenue through your merchant account.

QR codes

With the Vivid Business app, you can create payment links as QR codes. Print them out for your customers or share them via email or SMS. Set an amount per payment link or create a general QR code for your business where customers choose the amount themselves.

Website plugins

Vivid has developed a simple plugin that lets you integrate payment options on websites. It is supported by the most popular content management systems and enables payment processing in just a few clicks - without a complex online shop.

Invoices

In your Vivid Business account, you can create error-free invoices in e-invoicing format. These come with a QR code for online payments - so you no longer have to wait for manual bank transfers and can even send payment reminders.

Let the balance earn between restocks

Interest on money sitting between a sale and the next purchase order. Choose how to put idle cash to work, from fixed interest to full portfolio control.

Fixed interest

Fixed interest

Earn a fixed return with high liquidity and conservative risk — ideal for operational cash.

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Model Portfolios

Model Portfolios

Market-based returns with diversified ETF & ETC portfolios, designed for mid-term reserve cash.

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Business Brokerage

Business Brokerage

Advanced investing with full control — higher potential returns across multiple asset classes.

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Investing always involves risks. Therefore, the value of your investment and the income from it will vary and your initial investment amount cannot be guaranteed.
You may not get back the amount originally invested. You can find more information about the risks of investing in financial instruments here.

Open a business account

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

Your money is safe with us

safety.title

Safely stored

Your money is safeguarded in full: in segregated client-money accounts with European partner banks and in a Qualifying Money Market Fund (QMMF), which may only hold low risk, highly liquid assets. 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 and safeguarded in full. In the unlikely event of Vivid Money S.A. becoming insolvent, your balance would not form part of its estate and would be claimable by you - there is no upper limit. On top of that, funds we hold for you in our client-money account at Natixis (France) are covered by the French statutory deposit guarantee, up to €100,000 per customer, if that bank were to fail. That cover applies to the funds held in that account, not to your full balance, and money market fund holdings are not deposits and are not covered. The funds in your account are yours, and yours alone.

Superior payment security

Superior payment security

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

2-step authentication

2-step authentication

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

GDPR compliance

GDPR compliance

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

Deposit protection

Deposit protection

Your balance is safeguarded in full by Vivid Money S.A. Funds at our partner bank Natixis (France) also carry the French deposit guarantee, up to €100,000 per customer.

Plans built for every business

Monthly
Annual
Save up to 24%

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

  • Free Start

    Suited for newly registered companies setting up finances and looking to try key banking features for free

    0 € / month
    Free of charge at all times
    Get started
    • Accounts & Interest
      • Free accounts with unique IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        0,1%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        0,2%
    • 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
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        Not Available
    • Support
      • 24/7 human support
        Yes

  • Basic

    Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost

    6,9 € / month
    2 months free trial
    Get started
    • Accounts & Interest
      • Free accounts with unique IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        0,5%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        1%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,2%
      • 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

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

    18,9 € / month
    2 months free trial
    Get started
    • Accounts & Interest
      • Free accounts with unique IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        1,3%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        2%
    • 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
  • Document uploads 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
  • Fee for receiving card payments from clients (EEA cards), from
    0,79% (+0,25 €)
  • Business Brokerage (stocks, ETFs, crypto)
    Free
  • Digital employees (personal and legal AI assistants)
    Free
Compare all features

Frequently asked questions

  • Can I accept payments online and in store with one account?

    Yes. Online you take card payments through a payment link, a QR code or the website plugin for the common content management systems. In person, a customer scans the same QR code or link from your phone and pays by card or wallet, with no reader needed. Both sides land in the same account and show up in one statement.
  • Yes. Open a separate account per shop, marketplace or sales channel, each with its own IBAN, and issue cards on it. Payouts from one channel land in their own account, so a marketplace's takings never mix with the webshop's and each channel reconciles on its own.
  • Yes. Hold money in 30+ currencies and send to 140+ countries. A supplier who invoices in US dollars is paid in US dollars, instead of being converted twice. Paid plans include free international transfers every month, and the exact amount and every fee are shown before you send.
  • Yes. Virtual cards are issued instantly and each one carries its own monthly limit. A card can also be restricted to chosen merchant categories or to selected merchants, so one card clears the marketplace fees and nothing else. Any card can be locked and unlocked at any time.
  • Yes. Cashback on all purchases has no monthly ceiling, so it keeps paying across the whole month, however large the advertising and restocking budget is. The rate itself depends on the plan. Selected categories, online advertising among them, pay a higher rate and those categories do carry a monthly maximum.
  • Free Start plan has no monthly fee. The paid plans come with a 2-month trial and can be cancelled whenever it suits.
  • Opening a business account with Vivid works fully online and takes just a few minutes. Once you're verified, the account is ready for payments right away.

Built for every industry

IT & Software

IT & Software

Earn on your balance without locking it away, pay contractors with unlimited free transfers, and get cashback on the software and ads you already pay for.

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Construction

Construction

Keep every project's costs apart, pay subcontractors without counting transfers, and earn cashback on materials and fuel.

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Marketing

Marketing

Issue cards per client or per campaign with their own limits, get cashback on ads and AI tools, earn interest on the cash between projects, all in one account.

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Solar & electrical

Solar & electrical

Free cards for every installation crew, unlimited free transfers to suppliers, and interest on free cash while the job is still running.

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Travel

Travel

Manage travel spend with dedicated cards, earn our highest airline cashback, and make your funds earn between bookings. All in one account.

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