Vivid's Blog

Business accounts & finance tips for companies and freelancers

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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Company formation

Sole proprietorship in Germany: what it is and how to start one

Learn what a sole proprietorship is, who it’s for, and how to start one step by step. Start your own business easily and quickly with our practical guide!

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Freelancing & self-employment

Registering as a freelancer in Germany: a practical guide

Thinking about freelancing in Germany? Discover how to register as “selbstständig”, what requirements you must meet, which taxes apply, and what to watch out for in 2026.

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Company formation

Setting up UG – the mini-GmbH for founders

Discover how to set up a UG (entrepreneurial company with limited liability) online in Germany. Step-by-step guidance, current costs, legal requirements, and answers to the most common questions for founders in 2026.

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Company formation

GmbH in Germany: requirements, process, benefits & costs 2026

Discover the step-by-step process for setting up a GmbH in Germany. Learn about legal requirements, share capital, advantages, responsibilities, and costs—everything founders need to know for 2026.

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Company formation

Business structures in Germany: your guide to making the right choice

Compare all business structures in Germany: GmbH, UG, SE, sole proprietorship. Find information on legal forms, company formation, costs, freelancer registration & comparison table.

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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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