Vivid's Blog

Business accounts & finance tips for companies and freelancers

Freelancer or trade business: the key differences compared

Freelancer vs trade business (Gewerbe)

Freelancer (Freiberufler) or trade business (Gewerbe)? Learn the key differences, tax duties and which status fits your self-employment in Germany.

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Tax & regulation

Taxes for the self-employed in Germany: what you need to know

Which taxes do the self-employed pay in Germany? An overview of income tax, VAT and trade tax, tax rates and worked examples for €30,000 and €50,000 profit.

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Becoming self-employed: finding and launching business ideas for 2026

Freelancing & self-employment

Becoming self-employed: the ultimate guide with 50+ business ideas for 2026

Want to become self-employed? Discover over 50 concrete business ideas for 2026 – from online business without capital to a small trade. Plus tips for your start!

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Company formation

Setting up a German stock corporation (AG)

Setting up an AG: requirements, starting capital, liability and the formation process of the stock corporation, plus its key advantages and tips for founders.

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Tax & regulation

Tax tips for the self-employed in Germany 2026: the complete guide

How can you save taxes as a self-employed person in Germany? Discover the best tax tips for 2026, from business expenses to retirement provision, and lower your tax burden legally.

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Insurance for the self-employed: overview, mandatory cover and costs in 2026

Freelancing & self-employment

Insurance for the Self-Employed: The Complete 2026 Guide

Which insurance is mandatory for the self-employed in 2026? Everything on costs, taxes, health cover and legal expenses insurance for the self-employed.

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Freelancing & self-employment

Becoming self-employed: planning tips – 2026 guide

Want to become self-employed? From the first idea to registration, our checklist walks you step by step through planning your business. Get started today.

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Registering a side business (Nebengewerbe) in Germany

Company formation

How to register a side business (Nebengewerbe) in Germany

Want to register a side business (Nebengewerbe) in Germany? Our guide covers the costs, taxes, the registration with the trade and tax office, and tips for your business account.

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Register a small business online in Germany – form on a laptop

Company formation

Registering a Small Business in Germany: Step-by-Step Guide

How do you register a small business (Kleingewerbe) in Germany? A step-by-step guide to trade registration with costs, requirements, the small-business VAT rule and a checklist.

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All-in-one financial management

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Interest Account

Earn 5% fixed annual interest* on uninvested cash. Your money grows while staying available at all times.

Digital Employees

Delegate routine tasks to your AI agents. They learn nonstop, run 24/7, and need no breaks or extra costs—so you can focus on what matters.

Cards & Cashback

Start cutting costs with up to 10% monthly cashback on the team’s card purchases at Google Ads, Amazon and others.

Unlimited Card Spending

Issue a card for every team member, claim guaranteed cashback and make payments for IT & Ads services without worrying about limits.

Online payments

Boost your revenue by making online payments effortless — whether customers pay via invoice, link or through your website.

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.

Business Travel

The first tool to let you search, book and pay for hotels directly from your account — including up to 30% travel cashback!

Find the right solution for you

Small & medium enterprises

Whether you're a small, medium-sized, or established business — you can open a business account quickly and digitally, and manage expenses in just a few clicks.

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Freelancers

After opening a professional account in a few clicks, free unlimited SEPA transfers and a 5% interest rate* await you.

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Companies in formation

Forget about paperwork! With a fully digital registration and the transfer of your share capital you can hit the ground running within days.

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Partnerships

Keep your finances organised and transparent with custom access rights for team members and accountants.

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Startups

Account opening is done with a few clicks online, simply choose the features that match your ambition for growth.

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Associations and non-profits

Boost your impact with the all-in-one account for non-profits, foundations and associations. Monitor expenses in real-time while collecting donations and membership fees effortlessly.

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