Best Business Account 2025 for startups

The all-in-one financial platform to track expenses in real time, process global transactions and manage cash flow effortlessly. Stay focused on scaling your growth.

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Celebrating excellence
Some of our latest achievements and recognitions
Best Business Account 2025
Finanzfluss.de
Highest Interest Rate for Business 2025
Für-Gründer.de
Top Mobile Banking 2024
Handelsblatt.com
Top German Startups 2024
LinkedIn
Best Business Account 2025
BILD.de Best in Test

All-in-one financial management

Forget about costly subscriptions. Get all the banking and accounting features your business needs in one place — no extra cost, no hassle.

Business Account

With a quick registration you unlock up to 50 IBANs. Discover the ease of managing all your finances from a single platform.

Interest Account

Earn 4% fixed annual interest* on uninvested cash. Your money grows while staying available at all times.

Cards & Cashback

Up to 10% monthly cashback on the team's card purchases at Google Ads, Amazon and others helps you cut costs.

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.

Plans built for every startup

Monthly

Payment period

Annual

Save up to 24%

Free start
€0/month

Free of charge at all times
Get started
- Accounts
- Included accounts
  12
- Included team members
  1
- Interest account rate*
  4%
- Interest rate p.a. after 2 months*
  0,2%
- Currency exchange between own accounts
  Free
- Cards & Cashback
- Cashback up to
  5%
- Virtual and plastic cards
  Free
- Card spending limits for ads & IT services
  Unlimited
- Payment limit in other categories
  100.000 €
- Transfers
- Outgoing SEPA Instant transfers
  5 free per month,
  then 0,2 €
- Fee for outgoing SWIFT transfers
  From 5 €
- Bulk transfers
  Unlimited
- Features
- Invoicing
  Free
- Bookkeeping documents included
  25
- Integrations (sevDesk, Lexware Office, DATEV, ...)
  Free
- 24/7 human support
  Yes
Basic
€7/month
excl VAT
2 months free trial
Get started
- Accounts
- Included accounts
  15
- Included team members
  15
- Interest account rate*
  4%
- Interest rate p.a. after 2 months*
  1,2%
- Currency exchange between own accounts
  Free
- Cards & Cashback
- Cashback up to
  5%
- Virtual and plastic cards
  Free
- Card spending limits for ads & IT services
  Unlimited
- Payment limit in other categories
  100.000 €
- Transfers
- Outgoing SEPA Instant transfers
  Free
- Fee for outgoing SWIFT transfers
  From 5 €
- Bulk transfers
  Unlimited
- Features
- Invoicing
  Free
- Bookkeeping documents included
  Unlimited
- Integrations (sevDesk, Lexware Office, DATEV, ...)
  Free
- 24/7 human support
  Yes
Pro
€19/month
excl VAT
2 months free trial
Get started
- Accounts
- Included accounts
  20
- Included team members
  30
- Interest account rate*
  4%
- Interest rate p.a. after 2 months*
  2,2%
- Currency exchange between own accounts
  Free
- Cards & Cashback
- Cashback up to
  7%
- Virtual and plastic cards
  Free
- Card spending limits for ads & IT services
  Unlimited
- Payment limit in other categories
  100.000 €
- Transfers
- Outgoing SEPA Instant transfers
  Free
- Fee for outgoing SWIFT transfers
  From 5 €
- Bulk transfers
  Unlimited
- Features
- Invoicing
  Free
- Bookkeeping documents included
  Unlimited
- Integrations (sevDesk, Lexware Office, DATEV, ...)
  Free
- 24/7 human support
  Yes

Compare all features

Make your money grow effortlessly

Secure a 4% annual interest rate for the first two months, then enjoy up to 2,6% p.a., depending on your plan.* Your money is invested by us in Qualifying Money Market Funds to generate interest. More about interest can be found here.

Open a business account

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, Vivid Digital S.r.I. is supervised by Commissione Nazionale per le Società e la Borsa (CONSOB) in Italy, 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, Vivid Digital S.r.I. 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.

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.