Bookkeeping and a business account in one solution
A business account with built-in accounting is the control centre of your company. Every transaction is matched to the right receipt — without switching tools or double entries.
Open a business account with accounting
You started a business — not to spend hours in spreadsheets. A smart business account with built-in accounting solves this problem for you. It brings account management and finance overview into one interface. Instead of matching transactions later, it happens in real time.
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Your benefits of a business account with accounting
A Vivid business account saves you time and reduces errors. Vivid handles categorisation, receipts and tax exports — so you can focus on your business.
Automated processes save you time
The AI in your business account categorises transactions and helps to keep your bookkeeping up to date. Every transaction is assigned to the correct German standard SKR03/SKR04 account (or EÜR category) automatically — including the right VAT rate.
Manage receipts and invoices digitally
Once your business account with accounting is open, you scan receipts straight from the app. Upload documents, match them to transactions automatically, and always know which receipts are still missing.
Simpler collaboration with your accountant
Integrations like DATEV make working with your accountant easier: send data with a click. Receipt archiving follows GoBD principles. Export your entire bookkeeping as DATEV-compatible CSV — with accounts, VAT rates, and booking records. Choose any period and send it directly via email.
Features of a business account with accounting
What these accounts can do goes beyond the basics. You see at a glance how your finances are developing.
Create and manage invoices
Write professional invoices in your own design. The system already knows your account details and fills them in automatically. See open receivables at a glance and send payment reminders with a template.Receipt management and archiving
All uploaded receipts are stored safely in a digital archive — it supports you in meeting legal retention periods. The search lets you find a receipt in seconds, which helps during an audit.Financial overview and reports
Get up-to-date reports on your profit and a view of your preliminary tax overview. Dashboards show how your finances are trending, so you can spot patterns early.Integrations with bookkeeping tools
Do you use software like Lexware or sevDesk? Many accounts can be connected to them. Data syncs automatically. No manual reconciliation is needed.
Get a business account with accounting in 3 steps
The path to a modern business account is fully digital and done in just a few minutes.
1
Sign up and apply for an account
Just visit the website and fill in the online form for your business account. You only need your basic details and a few facts about your company.
2
Verify your identity
Verification runs via VideoIdent or another digital identification method. Just keep your ID document at hand.
3
Use your account and bookkeeping
Once approved, your business account with accounting is activated. You can make your first deposit, upload receipts and write invoices. The bookkeeping features are ready to use immediately.
Open a business account with accounting online
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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
- Get started
Free Start
Suited for newly registered companies setting up finances and looking to try key banking features for free
0 € / monthFree 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%
- 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 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
Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost
6,9 € / month2 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%
- Initial fixed interest rate p.a., USD/GBP*5%
- Fixed interest rate p.a. after 5 months, USD/GBP*1%
- Cards & Cashback
- Guaranteed unlimited cashback0,2%
- 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
Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync
18,9 € / month2 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%
- Initial fixed interest rate p.a., USD/GBP*5%
- Fixed interest rate p.a. after 5 months, USD/GBP*2%
- 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
Features you get on every plan
- InvoicingFree
- Document uploads 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 €)
- Business Brokerage (stocks, ETFs, crypto)Free
- Digital employees (personal and legal AI assistants)Free
Frequently asked questions about a business account with accounting
Can I use a personal account for my business?
Most banks don't allow business payments on personal accounts. A regular account also lacks the dedicated tools that come with a business account — bookkeeping included. A business account is the better choice.Who is this bookkeeping tool for?
It’s designed for small businesses, freelancers, and entrepreneurs who want to simplify their financial management without studying complex software or paying several subscriptions for accounting functions.How do I get started with bookkeeping?
Simply open a business account, connect it to any existing accounts involved in bookkeeping, and start managing your finances from a single platform. You can digitise receipts, track transactions, and collaborate with team members or accountants easily.How much does the bookkeeping feature cost?
We offer bookkeeping as part of our paid Vivid Business plans at no extra cost.Is there a free bookkeeping tool available?
Our free plans for businesses already offer up to 25 uploads of bookkeeping documentation. For companies with a paid plan there is no limit.Can I automate VAT tracking?
To help you automate tax calculations and reporting, we are setting up to provide VAT tracking features soon.Can I integrate external tools into my bookkeeping process?
Currently, data can be exported to ZIP-archive, with DATEV and Google Drive coming soon. More integrations may soon follow.How secure is my financial data?
Vivid Money applies banking-grade security protocols to safeguard your data and comply with the Payment Card Industry Data Security Standards to protect your payment information. With 3D Secure and two-step authentication we ensure no payment is made without your authorisation. Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.
All-in-one financial management
Forget about costly subscriptions. Get all the tools your business needs in one place — no extra cost, no hassle.
