How is an approval rule different from the default?

By default, people you have allowed to send money send it straight away, and everyone else needs one approval from someone who can. A rule replaces that for the people it covers: you pick whose payments wait for approval, who signs them off, and in which order.

Can someone approve a payment they created themselves?

No. Whoever creates a payment is never one of its approvers, so it always passes through somebody else. Each person also counts once per payment — if a rule asks for two rounds, two different people sign them. A rule is matched by who starts the payment, not by its amount or the account it comes from.

What happens to payments already waiting when I change a rule?

They keep the approvers they had when they were created, so nobody’s queue changes under them. Edits, pauses and deletions apply from the next payment on. Only Owners and Admins can create or change rules — for everyone else the setting isn’t there.

Enterprise plan · open beta

Stay in control of every team payment

Build granular approval workflows that mirror your company policies, and Vivid automatically routes every payment to the right approver.

Open a business account

Regulated by the CSSF, Luxembourg
Client funds held segregated
Protected beyond €100,000
Trusted by 60,000+ companies

Built for the way businesses actually work

Different teams, same control. Set up the approval flow that fits how your company operates.

Two founders

4-eyes cross check

Payments created by one founder are automatically sent to the other for review. Each stays in control.

A small finance team

Clear oversight

Your accountant handles day-to-day payments. The CFO reviews the details and approves.

A larger team

Flexible multi-step flow

Built for growing teams. Add review and approval steps that match your internal process.

Built around the way your team works

Set clear approval rules once. Vivid takes care of routing every payment through the right people.

Choose exactly who the rule applies to

Set rules for an entire role or for specific people. Choose who can initiate payments and who needs to approve them.

Select people or roles
Keep different teams on different approval flows

Simple for everyday payments. More checks when you need them.

Add extra approval steps and decide who signs off at each stage. Vivid automatically moves the payment through the flow you set.

Add up to three approval steps
Choose up to three approvers at each step

Review and approve, wherever you are

See every payment waiting for you, review the details and the approval history, then approve or reject it right from your phone.

Review payments individually or in bulk
See who created and approved each payment

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.

CEO perspective

I run a company too, and one thing used to sit at the back of my mind: has anyone actually looked at this payment? Now the answer is always yes. Nothing leaves without a second pair of eyes — and I am not the one chasing it.

Stef Van BeekCEO, Vivid Money

How funds are held

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 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 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.

4.7
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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

Here's why customers love us

Excellent! | 28,000+ reviews

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

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

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 costumer support is excellent, something rare these days. Kudos to you and keep up with the good work!

Shaqueera Grey, Spain

Trustpilot

5.0

Very fast and good

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

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

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Questions about approvals

How is an approval rule different from the default?
By default, people you have allowed to send money send it straight away, and everyone else needs one approval from someone who can. A rule replaces that for the people it covers: you pick whose payments wait for approval, who signs them off, and in which order.
Can someone approve a payment they created themselves?
No. Whoever creates a payment is never one of its approvers, so it always passes through somebody else. Each person also counts once per payment — if a rule asks for two rounds, two different people sign them. A rule is matched by who starts the payment, not by its amount or the account it comes from.
What happens to payments already waiting when I change a rule?
They keep the approvers they had when they were created, so nobody’s queue changes under them. Edits, pauses and deletions apply from the next payment on. Only Owners and Admins can create or change rules — for everyone else the setting isn’t there.