How secure is a Vivid business account?

A Vivid business account offers modern security standards for digital financial services. Customer funds are kept separate from company assets and are not used for operational purposes. At one of our partner banks, statutory deposit protection applies on top: up to €100,000 per customer, as at any bank in the EU. The funds remain the customer's property, including any amount above that. The business checking account is also protected by strong authentication and encrypted data processing according to European data protection standards. You can read more about deposit protection here and here.

Is the cashback on all purchases really uncapped?

Yes. Cashback on all purchases has no monthly ceiling, so it keeps paying across the whole month, however much the cloud bill grows. The rate itself depends on the plan. Selected categories, software and online advertising among them, pay a higher rate and those categories do carry a monthly maximum.

Can every cloud account have its own card and limit?

Yes. Virtual cards are issued instantly and each one carries its own monthly limit, which you change whenever the bill does. A card can also be restricted to chosen merchant categories or to selected merchants. So one card clears AWS and nothing else. Any card can be locked and unlocked at any time.

What does the plan cost?

Free Start plan has no monthly fee. The paid plans come with a 2-month trial and can be cancelled whenever it suits.

How long does it take to open an account?

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.

Finance built for tech companies moving fast

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.

Trustpilot: Excellent! | 30,000+ reviews

Open a business account

Finance built for tech companies moving fast

Top Mobile Banking 2026
Handelsblatt
Industry Leader 2026
F.A.Z. Institut
Best SME Service Provider 2026
WirtschaftsWoche
German Service Award 2026
DISQ Institut
Best Business Account 2026
Für Gründer

Make your funds work between milestones

Choose how to put idle cash to work, from fixed interest to full portfolio control.

Fixed interest

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

Learn more

Model Portfolios

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

Learn more

Business Brokerage

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

Learn more

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.

Everything a tech company runs on, in one account

All card payments up to 1%
Guaranteed, unlimited cashback
€124,16
− €12.416,32
Google Ads up to 7%
Advertising costs
€288,40
− €4.120,00
AWS up to 5%
Cloud services
€59,00
− €1.180,00
Anthropic up to 5%
AI subscriptions
€12,00
− €240,00
OpenAI up to 5%
AI subscriptions
€7,50
− €150,00

Get more back from the tools you already pay for

Earn cashback on cloud services, AI tools, software subscriptions and ads.

Up to 5% back on software and AI subscriptions: AWS, Figma, OpenAI, Anthropic, depending on the plan. Selected categories carry a monthly maximum.
Up to 7% back on Google Ads, and up to 1% on everything else with no cap.

Organise your money and stay ahead of future payments

Split your money across dedicated accounts for payroll, taxes, cloud costs or anything else, and see a scheduled direct debit coming before it lands.

Unlimited accounts, each with its own IBAN
Every scheduled direct debit carries its collection date, and the amount is reserved a business day ahead, so the right account can be funded in time

Pay your team and partners wherever they are

Make unlimited euro payments across Europe for free, and pay international contractors and suppliers in 30+ currencies across 140+ countries, with costs shown upfront.

Why our customers choose Vivid

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

See all stories

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

Read full story

Having it all from one source is simply more convenient than sourcing a separate provider for every part.

Martin Brehme, Managing Director, Biting Bit GmbH

Read full story

In the end, you transform yourself as an entrepreneur into a kind of researcher.

Magdalena Genov, Co-Founder & CEO, Leap Dynamics

Read full story

There are two options. Either I split my money across 30 banks, or I move my money to Vivid and invest it there. And that was a very simple decision.

Chris Puellen, Co-Founder & CEO, NaroIQ

Read full story

Instead of just venting, I try to translate frustration into something constructive. Something doesn’t exist yet, or doesn’t work well enough — and the question becomes: how do we actually build this?

Dr. Mathias Krisam, Co-Founder, Mittiq

Read full story

We’re building software that answers a simple question: how much money can you make with a battery in the energy market?

Florian Heise, Business Co-Founder

Read full story

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

Nicolò Daniele Donato, Founder & Managing Director, Deluxy

Read full story

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

Martin, Founder, KeMar Kitchenware

Read full story

Open a business account

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

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

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.

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

Payment period

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

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

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

How secure is a Vivid business account?
A Vivid business account offers modern security standards for digital financial services. Customer funds are kept separate from company assets and are not used for operational purposes. At one of our partner banks, statutory deposit protection applies on top: up to €100,000 per customer, as at any bank in the EU. The funds remain the customer's property, including any amount above that. The business checking account is also protected by strong authentication and encrypted data processing according to European data protection standards. You can read more about deposit protection here and here.
Is the cashback on all purchases really uncapped?
Yes. Cashback on all purchases has no monthly ceiling, so it keeps paying across the whole month, however much the cloud bill grows. The rate itself depends on the plan. Selected categories, software and online advertising among them, pay a higher rate and those categories do carry a monthly maximum.
Can every cloud account have its own card and limit?
Yes. Virtual cards are issued instantly and each one carries its own monthly limit, which you change whenever the bill does. A card can also be restricted to chosen merchant categories or to selected merchants. So one card clears AWS and nothing else. Any card can be locked and unlocked at any time.
What does the plan cost?
Free Start plan has no monthly fee. The paid plans come with a 2-month trial and can be cancelled whenever it suits.
How long does it take to open an account?
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

E-commerce

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.

Learn more

Construction

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

Learn more

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.

Learn more

Solar & electrical

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

Learn more

Travel

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

Learn more