Plans
MonthlyAnnual (save up to 24%)
free start
0€
Free of charge at all times
basic
6.9€
monthly, excl VAT
2 months free trial
pro
18.9€
monthly, excl VAT
2 months free trial
Free of charge at all timesmonthly, excl VAT
2 months free trialmonthly, excl VAT
2 months free trial
Interest
Fixed annual rate in the Interest Account*
4%
4%
4%
The promotional rate of 4% will be applied to all plans for the first 4 months after opening the Interest Account.
0.1%
0.5%
1.3%
Variable rate (Interest Strategies), up to*
5%
5%
5%
Cards & Cashback
Guaranteed unlimited cashback
0,1%
0,25%
0,5%
Cashback on selected categories and brands, up to
2%
4%
6%
Virtual cards
Free
Free
Free
Physical cards
Free
Free
Free
Metal cards
19,90 €
19,90 €
19,90 €
Invoicing and bookkeeping
Free
Free
Free
Documents to be attached for bookkeeping
25
Unlimited
Unlimited
Card payment limits for Ads & IT servicesPayments for Google Ads, Facebook Ads, AWS, Google Cloud, Azure, and others
Unlimited
Unlimited
Unlimited
Card payment limitPer month, excluding Ads, Cloud, and some other payments
100.000 €
100.000 €
100.000 €
Outgoing SEPA Instant transfersPer month
sme_tariff.free_start.transfers_free_out.value
Free
Free
24/7 human supportWithin minutes via chat and email
Yes
Yes
Yes
Digital employees
AI Personal assistant
Free
(until December 31st)
Free
(until December 31st)
Free
(until December 31st)
AI Legal associate
Free
(until December 31st)
Free
(until December 31st)
Free
(until December 31st)
AI Finance assistant
Coming soon
Coming soon
Coming soon
Business travel
Cashback on accommodations up to
30%
30%
30%
Travel booking tool
Free
Free
Free
Crypto Earn account
Rewards on selected crypto assets up toFinal APY after fees
8% APY
8% APY
8% APY
Staking Rewards processing feeApplied to weekly rewards
20%
20%
20%
Staking Rewards infrastructure costsApplied to weekly rewards, dependent on provider and coin
15–30%
15–30%
15–30%
Trading fee, per trade
0,25%
0,25%
0,25%
Accounts & Team members
Included team members
Unlimited
Unlimited
Unlimited
Included accounts
Unlimited
Unlimited
Unlimited
SEPA Transfers and Direct Debits
Direct Debit switchSeamless switch of direct debits from another bank account to your Vivid account
Free
Free
Free
SWIFT transfers
Incoming international transfersother than SEPA per transfer * This offer is valid until December 31
Free5 €
Free5 €
Free5 €
Outgoing international transfersOther than SEPA, ACH, or using our Guaranteed SWIFT (OUR) option (except to Hong Kong, Serbia, Uruguay, or Vietnam – € 15 applies there), per transfer
5 €
5 free per month, then 5 €
10 free per month, then 5 €
Guaranteed SWIFT (OUR)Transfer when the Guaranteed SWIFT (OUR) option is available and selected by you
30 €
30 €
30 €
Other transfers
Transfers to Vivid Business customers
Free
Free
Free
Transfers between own accounts
Free
Free
Free
Fee for currency exchange between own accounts
0 €
0 €
0 €
Fee for bulk transfersPer bulk transfer. * This offer is valid until December 31
0 €3 €
0 €
0 €
Card payments and withdrawals
Fee for ATM withdrawals
Free up to 100 €, then 1%
Free up to €200, then 2%
Free up to 500 €, then 1%
Fee for card payments or withdrawal in non-EUR currencyMarkup over the exchange rate for the execution of non-EUR card transactions
2%
1%
1%
Fee for card payments in EUR
0 €
0 €
0 €
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