Vivid's Blog

Business accounts & finance tips for companies and freelancers

Commercial register entry: costs, obligation and process

The German commercial register (Handelsregister) explained: who has to register, how the process works and what it costs. All the key facts in one place.

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Company formation

How to write a business plan: the ultimate guide for founders in Germany

Want to write a business plan? From market analysis to the financial plan – our guide shows you step by step how to win banks over. Templates included!

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Company formation

When do you have to register a business in Germany?

When do you have to register a business (Gewerbe) in Germany? Find out when an activity counts as a trade, who has to register and which deadlines, costs and exemptions apply.

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Freelancing & self-employment

Becoming self-employed without capital

Find out how to become self-employed without any capital: we walk you through financing options, funding, loans, bootstrapping and franchise models starting from €0.

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Comparisons

Vivid vs. Qonto: business account comparison 2026

Vivid or Qonto – which business account is best for freelancers, start-ups & SMEs in 2026? Compare pricing, SEPA transfers, cards and accounting tools.

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Business accounts

Business account: what it is and how to open one in Germany (step-by-step guide)

Learn how to open a business account in Germany, step by step, without paperwork, with a comparison and provider overview.

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Business accounts

Business account comparison 2026: the best business accounts

Business account comparison 2026: compare the best business accounts by features, pricing, and user reviews for freelancers and companies.

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Company formation

UG vs GmbH: a comparison of legal forms

Explore the main differences between UG and GmbH in Germany, including capital requirements, costs, and liability, to choose the best legal form for your startup.

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Tax & regulation

Mandatory e-Invoicing from 2026: what business need to know

E-invoicing explained: differences from paper invoices, XRechnung & ZUGFeRD formats, plus tips and software for successful digital invoicing

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All-in-one financial management

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

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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