What does exchanging cost?

Every paid plan includes a monthly amount you can exchange without a fee: €10,000 on Basic and Prime, €30,000 on Pro, €50,000 on Pro+ and €70,000 on Enterprise. On Enterprise+, it is agreed with your company. Free Start and Standard have no free allowance. Above the allowance, you pay 0.5% of the amount you exchange, on every plan.

We exchange large amounts. Can we get a bigger allowance?

Yes, on Enterprise+. The free monthly allowance is set for your company individually. Tell us your monthly volumes and the currencies you use.

Which rate do we get?

The rate shown in the app at the moment you exchange. Above your allowance, a 0.5% fee is added, and the app shows it before you confirm.

Can conversions run automatically?

Yes, with Transfer rules on Enterprise, Enterprise+ and Pro+. A rule can move money between your accounts in different currencies on a schedule or when a balance crosses a limit. The amount is converted at the rate that applies when the rule runs.

Which currencies can we exchange?

US dollar, British pound, Swiss franc and many more. You see the full list in the app when you open a currency account.

Can we receive payments in other currencies?

Yes. Give the sender your account details in that currency and the money arrives in that account. Incoming SWIFT payments are free. No account in that currency yet? Give your euro account details and the payment is converted to euros when it arrives.

Currency exchange that works for you

Exchange, hold and pay in foreign currencies from the account you already use. Real rates, and every fee visible before you confirm.

Free up to €70,000 a month, depending on plan
An allowance agreed with you on Enterprise+
Conversions that run on their own with Transfer rules

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FX that works for your business

See every cost upfront, get pricing that fits your volumes, and let conversions run on their own.

Know the cost before you exchange

The app shows the rate, the fee and how much of this month's allowance you have used. You confirm only when the numbers work for you.

Pricing that fits your volumes

Every paid plan includes a free monthly allowance, up to €70,000 on Enterprise. If you exchange more, Enterprise+ gets an allowance agreed for your company, and the 0.5% applies only above it.

Conversions that run on their own

Set a Transfer rule once and money moves between your currency accounts without you: every business day, on a fixed date, or when a balance drops below a limit. Each run uses the rate of that moment. Available on Enterprise, Enterprise+ and Pro+.

Hold the currency, earn while you wait

Move the dollars or pounds your clients pay you into a USD or GBP Interest Account. We invest them in money market funds and return a promotional rate of 5% p.a. for the first 5 months, then your plan’s regular rate. Investment product by Vivid Money B.V.* Your capital is at risk.

Built for businesses that work across borders

Wherever your money comes from and wherever it goes.

Paying suppliers abroad
Exchange into dollars, pounds or yuan and pay suppliers in their own currency.
Getting paid from abroad
Clients pay into your account in their currency. Incoming SWIFT payments are free.
Running cash in several currencies
Keep a balance in each currency and move money between them by hand or with rules.

Start exchanging in three steps

Open a currency account

Add an account in US dollars, British pounds or another currency in the app.

Check the rate and the fee

Enter the amount in either currency and see what you get before you confirm.

Exchange, or set a rule

Exchange now, or let a Transfer rule repeat it for you.

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.

Pick the plan with the allowance you need

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 account features for free
0 € / month
No monthly fee 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 a reliable everyday business account 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
    0,35%
  - 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 with accounting software
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

Trusted by 500,000+ people across Europe

Real reviews and honest feedback show why companies choose Vivid.

4.7
Trustpilot rating
Rated “Excellent”: 4.7/5 from 30,000+ reviews
4.6
App Store & Google Play
4.6/5 from 53,000+ ratings for “Vivid Business & Personal” mobile app
24 / 7
Support
Human customer service, day and night

5.0

I chose Vivid.Money

I chose Vivid.Money because it allows me to manage accounts for all my businesses in one place. Compared to other online banking systems I’ve tried, it offers the best value for money. For one of my businesses, I upgraded to the Pro account—it gives me access to real human support and the highest interest rates I’ve seen on the market. While their regular customer service is already solid, having the option to speak directly with someone was essential for me to build trust. Beyond the practical benefits, I genuinely appreciate how Vivid.Money supports my financial awareness. It’s a service I enjoy using and one that makes me more financially conscious day by day.

Lorand Balazs Imre, Germany

Trustpilot

4.0

Super quick Business account creation

I’d give 4.5 stars as my experience with Vivid has been great, but there is always room for improvement. Especially setting up the business account was so easy and fast, this really struck me. The new feature with E-invoicing is also quite useful but needs some more work with additional fields (e.g. my own tax ID). Looking forward trying more the cashback programs.

Eric, Germany

Trustpilot

5.0

Very fast and good

Very fast approval, IBAN with connection to DATEV Unternehmen Online and VISA card within 2 days. Works perfect

Mark, Germany

Trustpilot

5.0

Best business banking platform in Europe

The experience with vivid is super smooth and the terms are great!

Marcel, Germany

Trustpilot

5.0

I really love Vivid Bank

I really love Vivid Bank. Really easy to sign up. I love the fact I can have different space with different account numbers where I can transfer money to. The business account has a great interest rate and most important, the customer support is excellent, something rare these days. Kudos to you and keep up with the good work!

Shaqueera Grey, Spain

Trustpilot

5.0

Recommended for freelancers and business owners

So far my experience with Vivid has been great. From the customer service, the account opening, and the digital experience, I haven't had any issues with Vivid. I can only recommend it!

Erick Daniel, Germany

Trustpilot

100,000+ businesses run on Vivid

They spend less, get paid faster, and pay lower fees

See all stories

With Vivid I can attach an invoice and Vivid takes care of the payment directly.

Massimo Bellucci, Owner & Technical Director, MB Trading

Read full story

I upload a simple file with all the names and the amounts they are owed, and within 20 minutes, a quarter of an hour, sometimes straight away, every transfer arrives.

Andrea Schiavo, CEO & Founder, H501

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What I like best about Vivid is that I can upload my receipts with every transaction.

Eva Karina Gouveia, Founder, YOGALOFT Frankfurt

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Vivid’s app convinced me immediately, because it worked so well that I thought: finally, someone has done this properly.

Marcel Staudt, Founder and Managing Director, Quandel Staudt Design GmbH

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For me the highlight with Vivid is that I don’t have to extract the data from my PDFs myself, no matter how badly they’re scanned.

Dorian Wetter, Co-Founder and Managing Director, Endon Blutbild

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What amazed me was that within just a few minutes the whole account setup was seamless.

Maximilian Eils, CEO, Spectroplast

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What I like most is how simple it is to use: you can do everything with one finger. I can only recommend it.

Dominique Bas Dit Nugues, Founder & Head Chef, Le Faubourg

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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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Questions about currency exchange

What does exchanging cost?
Every paid plan includes a monthly amount you can exchange without a fee: €10,000 on Basic and Prime, €30,000 on Pro, €50,000 on Pro+ and €70,000 on Enterprise. On Enterprise+, it is agreed with your company. Free Start and Standard have no free allowance. Above the allowance, you pay 0.5% of the amount you exchange, on every plan.
We exchange large amounts. Can we get a bigger allowance?
Yes, on Enterprise+. The free monthly allowance is set for your company individually. Tell us your monthly volumes and the currencies you use.
Which rate do we get?
The rate shown in the app at the moment you exchange. Above your allowance, a 0.5% fee is added, and the app shows it before you confirm.
Can conversions run automatically?
Yes, with Transfer rules on Enterprise, Enterprise+ and Pro+. A rule can move money between your accounts in different currencies on a schedule or when a balance crosses a limit. The amount is converted at the rate that applies when the rule runs.
Which currencies can we exchange?
US dollar, British pound, Swiss franc and many more. You see the full list in the app when you open a currency account.
Can we receive payments in other currencies?
Yes. Give the sender your account details in that currency and the money arrives in that account. Incoming SWIFT payments are free. No account in that currency yet? Give your euro account details and the payment is converted to euros when it arrives.