In short:
- Bunq: a Dutch bank with a local German IBAN, many sub-accounts, interest on balances and a focus on sustainability.
- Revolut: strong on multiple currencies, international payments and automation, for businesses with cross-border needs.
- Vivid: bundles cashback, broad securities investing and an interest account into one business account, companies included.
Bunq and Revolut are among the best-known neobanks for a business account in Germany. Both target freelancers, the self-employed and companies that want to manage their finances entirely through online banking. In the direct comparison of Bunq vs. Revolut, though, the offers differ noticeably in pricing, the IBAN, the currencies and the tools for accounting.
This comparison focuses on the business accounts of Bunq and Revolut, the offers for the self-employed, freelancers and companies, not the personal accounts. We take a close look at the business account plans for 2026. At the end, we introduce Vivid Money as a modern alternative that bundles cashback, investing and an interest account into one business account. That way you can find the right account for your business.
Bunq Business at a glance
Bunq comes from the Netherlands and is a licensed bank with a Dutch banking licence supervised by the DNB. Balances are protected by the Dutch deposit guarantee up to €100,000 per person. Interesting for companies: Bunq offers local IBANs in several countries, including a German IBAN. On top come many sub-accounts with their own IBAN, accounts in 20+ currencies and interest on balances. Bunq also puts a focus on sustainability, plants trees and shows the CO2 footprint of your spending. A classic cashback programme on card payments, however, is not part of the offer.
Revolut Business at a glance
Revolut is an internationally focused fintech and runs its business in the EU through Revolut Bank UAB, based in Lithuania. In Germany, a branch operates under BaFin supervision. Revolut Business centres on international payments, multiple currencies and automation. The offer is aimed above all at companies, start-ups and the self-employed with cross-border activity who handle payments in different currencies. For sole traders and freelancers, there is also the separate Revolut Pro offer.
Bunq vs. Revolut: account plans and pricing
In the Bunq vs. Revolut comparison, the first big difference shows up in pricing. Both providers use a tiered pricing model, but the logic differs. At Bunq, each plan raises the number of sub-accounts, cards and included features. At Revolut, the right plan depends above all on transaction volume, allowances and automation.
Bunq Business: account plans at a glance
Bunq offers a free entry-level account, but it is intended for freelancers only. Companies such as a GmbH or UG start on the paid Core plan. Above it sit the Pro and Elite plans with more sub-accounts, cards and features. With each plan, the number of accounts with their own IBAN grows, from 5 on Core up to 25 on Pro and Elite. A German IBAN can be set up across all business plans.
| Plan | Price per month | Ideal for |
|---|---|---|
| Bunq Free | €0 | freelancers only, basics to get started |
| Bunq Core | €7.99 | the self-employed and companies with basic needs |
| Bunq Pro | €13.99 | more sub-accounts, cards and features |
| Bunq Elite | €23.99 | the fullest feature set for growing companies |
Revolut Business: account plans at a glance
Revolut Business targets companies, including corporations such as a GmbH or UG. It is split into the free Basic plan and the paid Grow, Scale and Enterprise plans. The Basic account is free; the included allowances for transfers and currency exchange are tight, with more room available on plans from €35 per month. The focus is on international payments, multiple currencies and automation. You can also trade crypto in the app.
| Plan | Price per month | Ideal for |
|---|---|---|
| Revolut Business Basic | €0 | getting started with the basics |
| Revolut Business Grow | from €35 | growing companies with more allowances |
| Revolut Business Scale | higher plan | higher transaction volume and more automation |
| Revolut Business Enterprise | custom | larger companies with individual needs |
| Revolut Pro | for sole traders | freelancers and the self-employed |
Good to know: with both providers, the included services are capped per plan. Transfers, cards or currency exchange beyond the allowances can trigger extra fees. Before signing up, check the current terms and work out your typical monthly transactions.
Revolut starts free, while at Bunq companies pay from the Core plan and the free account stays reserved for freelancers. Neither gives you cashback on your spending. Vivid combines a free business account on the Standard plan with cashback and no monthly cap.
Banking features and multiple currencies
Core features compared
On the basic features, Bunq and Revolut Business are closer than many think. Both offer SEPA transfers, direct debits and standing orders, physical and virtual debit cards, plus mobile and contactless payments with Apple Pay and Google Pay. The differences show up in the German IBAN, the interest on balances and the tools for accounting.
| Feature | Bunq | Revolut Business |
|---|---|---|
| German IBAN (DE) | yes, local IBAN available | rolling out; partly still a Lithuanian IBAN |
| Cashback on card payments | no cashback | no standard cashback |
| Sub-accounts with their own IBAN | up to 25 depending on plan | depending on plan |
| Multiple currencies | 20+ currencies | 25+ currencies |
| Interest on balances | yes, on savings accounts | limited |
| Accounting & integrations | export and integrations, no native DATEV link | Xero, QuickBooks |
| Mobile payments | Apple Pay, Google Pay | Apple Pay, Google Pay |
Foreign payments and exchange rates
On currencies, both providers score, but in different ways. Revolut offers accounts in 25+ currencies and currency exchange at the interbank rate. At the weekend, though, a surcharge of 0.5% to 1% is added to the exchange rate, and fee-free exchange is capped per plan under a fair-use limit. Bunq runs accounts in 20+ currencies; how much low-cost exchange you get depends on the plan. So if you work a lot in foreign currency, check the allowances and the weekend surcharge closely.
With Revolut a weekend surcharge is added to the exchange rate, and with Bunq low-cost exchange depends on the plan. With Vivid you pay and exchange in multiple currencies and see the rate transparently in the app before every transfer.
Accounting and financial management
For day-to-day business, how well an account connects to your accounting matters. Here a gap shows: neither Bunq nor Revolut is a native DATEV partner. Bunq offers exports and integrations for accounting, while Revolut relies mainly on integrations such as Xero and QuickBooks. If you work with your tax advisor via DATEV, both leave you on a detour. Vivid, by contrast, brings a DATEV interface and invoicing tools, and connects accounting directly with banking and investing.
Beyond pure payments, companies face the question of how idle funds can work. Bunq pays interest on balances, but the business account does not offer broad securities investing. With Revolut, the balance largely just sits there. Vivid goes further and combines banking with investing, through treasury solutions in ETFs, money market funds and bonds, plus an integrated interest account. That way you can invest unused balances on purpose, without switching apps.
Bunq pays interest on your balance, but broad securities investing and a DATEV link are missing on both providers. Vivid bundles cashback, investing in ETFs, money market funds and bonds, an interest account and a DATEV interface in one app.
Sustainability and values
On sustainability, Bunq clearly stands out. Bunq plants trees and makes the CO2 footprint of your spending visible, depending on the card and plan. For companies that care about ecological values, that is a real plus. Revolut, by contrast, focuses on features and international payments rather than a dedicated sustainability programme. If a measurable ecological contribution matters to you, Bunq offers more.
Team management and business tools
Both providers offer tools for working as a team. With Revolut Business, you can invite team members, assign roles and permissions, and control spending with budgets and approval workflows. Bunq relies on many sub-accounts with their own IBAN, cards with individual limits and clear expense management. The number of possible users and cards depends on the chosen plan for both.
Security and regulation
Security is crucial for a business account. Bunq and Revolut are regulated in the EU and rely on modern safeguards: two-factor confirmation, push notifications for transactions and freezing the card directly in the app. Bunq holds a Dutch banking licence; balances are protected by the Dutch deposit guarantee up to €100,000 per person. Revolut runs its business through Revolut Bank UAB in Lithuania and holds a Lithuanian banking licence; here the Lithuanian deposit guarantee applies up to €100,000 per person.
Vivid is also an EU-regulated financial provider and relies on the same high security standards, from two-factor confirmation to encryption. In day-to-day business, you are solidly protected with all three providers.
Bunq vs. Revolut: pros and cons at a glance
Advantages of Bunq
Disadvantages of Bunq
Advantages of Revolut Business
Disadvantages of Revolut Business
Decision guide: which account suits you?
Which business account fits best depends on your business. For the self-employed and companies that value a German IBAN, many sub-accounts and sustainability, Bunq is a strong choice. For companies with a lot of cross-border activity and several currencies, Revolut offers advantages in currency exchange and automation. And if you want to manage banking, cashback and investing in one place, Vivid offers a combination that a classic account does not.
Vivid Money as a modern alternative
Why Vivid Money makes sense for business
Bunq scores on sustainability, interest on balances and local IBANs, Revolut on multiple currencies and automation. Each solves only one part. What is missing on both is the combination of cashback on business spending, broad securities investing and a DATEV link in one place. Vivid Money closes exactly this gap: a financial platform that connects the business account with building wealth and is tailored especially to the self-employed and companies.
You earn cashback on your business spending, in the “All purchases” category with no monthly cap. You invest balances in the same app in stocks, ETFs, money market funds and bonds, and let idle funds work for you through the integrated interest account. Sub-accounts with their own IBAN keep your spending cleanly separated, and you see the exchange rate transparently in the app before every transfer.
| Feature | Vivid | Bunq | Revolut Business |
|---|---|---|---|
| Cashback on business spending | yes, “All purchases” with no monthly cap | no cashback | no standard cashback |
| Investing in securities | stocks, ETFs, money market funds, bonds | interest on balances, no securities | no investment offer |
| Integrated interest account | integrated interest account | interest on savings accounts | limited |
| Accounting | DATEV interface and invoicing tools | export, no native DATEV link | Xero, QuickBooks |
| Sub-accounts with their own IBAN | included | up to 25 depending on plan | depending on plan |
Account opening is entirely online via video or selfie ident. On top come Visa Business cards, a DATEV interface for accounting and a free Standard plan to get started. These features bring banking, investing and managing your company finances together in one place.
A business account with cashback and investing in one app
Open your Vivid business account entirely online and bring together what other accounts keep separate: cashback on your business spending, integrated investing and an interest account.
Bunq vs. Revolut: our verdict
In the direct Bunq vs. Revolut comparison, there is no overall winner. Both offer a solid business account and score in different areas. Bunq is especially suited to the self-employed and companies who want a German IBAN, many sub-accounts, interest on balances and a clear focus on sustainability. Revolut plays to its strengths in international payments, currency exchange and automation.
If you prefer a sustainable account with a German IBAN, Bunq is a good choice. For international business and multiple currencies, Revolut offers advantages. And if you want to combine cashback, investing and an interest account in one business account, Vivid Money offers a combination that a classic account does not. Ultimately, your needs decide: it can be worth testing several accounts to find the right one.
Frequently asked questions (FAQ)
Does Bunq Business offer a German IBAN (DE-IBAN)?
Yes. Bunq offers local IBANs in several countries, including a German IBAN that can be set up on the business plans. That is handy, because many German business partners and services prefer a DE-IBAN. At Revolut Business, by contrast, the German IBAN is still rolling out, and a Lithuanian IBAN may still apply. Vivid also offers a business account with a German IBAN and sub-accounts with their own IBAN.
Is there a free business account at Bunq or Revolut?
At Bunq, the free account is intended for freelancers only; companies such as a GmbH or UG pay from the Core plan at €7.99 per month. Revolut Business Basic, by contrast, costs €0 per month but is limited in the services included. Vivid offers a free Standard plan with additional cashback on business spending.
Can I work in multiple currencies with a business account?
Yes. Revolut offers accounts in 25+ currencies with currency exchange at the interbank rate, with a surcharge added at the weekend. Bunq runs accounts in 20+ currencies, with the amount of low-cost exchange depending on the plan. With Vivid, you see the exchange rate transparently in the app before every transfer.
Are Bunq and Revolut real banks?
Yes, both hold a banking licence. Bunq holds a Dutch banking licence, and balances are protected by the Dutch deposit guarantee up to €100,000 per person. Revolut runs its business through Revolut Bank UAB in Lithuania; here the Lithuanian deposit guarantee applies up to €100,000 per person. Both are subject to EU financial supervision.
Which business account is best for teams and companies?
For teams, what matters is user management, sub-accounts and spending control. Bunq offers up to 25 sub-accounts with their own IBAN, while Revolut scores with automation and multiple currencies. If you want to combine banking, cashback and investing in one app, Vivid offers a business account with sub-accounts and their own IBAN, Visa Business cards, a DATEV interface and integrated investing.
Which business account offers cashback, investing and an interest account in one?
Bunq pays interest on balances but offers no cashback and no broad securities investing within the business account. Revolut focuses on payments and automation. Vivid combines both in one business account: cashback on business spending in the “All purchases” category with no monthly cap, investing in stocks and ETFs, and an integrated interest account.
As of June 2026. The information on Bunq and Revolut was compiled to the best of our knowledge based on the official provider websites and can change at any time, in particular prices, plans and terms. No claim is made to completeness or accuracy. Please check the current terms directly with the respective provider. Bunq and Revolut are trademarks of their respective companies; there is no business relationship between Vivid and these providers.
