German Business Account in 10 minutes
  • Free business account with up to 30 DE IBANS
  • 5% interest rate on positive balance
  • Free VISA card for every team member
  • Instant SEPA and SWIFT transfers
  • Team access with personalized permissions
  • Personal customer support 24/7
Open account

Rated with the highest score “Sehr gut” by Handelsblatt, Germany’s no.1 business and financial journal

Business Account

Open a business account in minutes with German IBAN.

Get started with our free plan for €0 per month.

Up to 30 accounts with individual DE IBANs are available.

Send and receive payments instantly with SEPA.

Full online registration — no in-person steps.

Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
Interest Rate Pocket

Make your money work - earn 5% interest annually on a positive account balance in the first 2 months. Add your money to it and earn interest daily. Withdraw funds instantly 24/7, without losing any earned interest.

Earn 3.5% interest annually on a positive account balance after 2 months.

Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
Cards

Unlimited free cards - issue as many physical and virtual cards as your business needs for each member of your company.

Get free delivery for the first physical card for each member of your company.

Enjoy up to €100,000 card spending limit to pay for any service online.

Freeze, reissue, and set limits on your cards in a few taps.

Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
Team

Send immediate salary payments to any Vivid account.

Manage your team's access to the accounts.

Decide which team members have permission to execute payments and who needs approval by assigning the Assistant role.

Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.

Implement a “four-eyes principle” for secure transactions inside your business.

Get real-time notifications about new payment requests.

Review, approve, and reject team members’ transfer requests.

Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
Integrations and Accounting

Export transactional data in either CSV or MT940 format to integrate it into your accounting system.

From there, you can transfer the data to systems such as DATEV, LexOffice, Debitor, etc.

Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
Plans for you
free start
0€
Free of charge at all timesGet started
basic
0€€7
After 2 months:
€7 monthly, excl VATGet started
pro
0€€19
After 2 months:
€19 monthly, excl VATGet started
enterprise
0€€79
After 2 months:
€79 monthly, excl VATGet started
Free of charge at all timesAfter 2 months: €7 monthly, excl VATAfter 2 months: €19 monthly, excl VATAfter 2 months: €79 monthly, excl VAT
Interest account rate*The promotional rate will be applied to all plans for the first 2 months after opening the Interest Account, if you open the Account starting from the 6th of May
5%1%
5%2%
5%3.5%
5%3.5%
Included team members
1
3
10
30
Free outgoing transfersPer month
5
100
250
1000
Included accounts
1
3
10
30
Virtual cards
Free
Free
Free
Free
Physical cards
Free
Free
Free
Free
Card spending limitPer month
€ 100 000
€ 100 000
€ 100 000
€ 100 000
Free physical card deliveryOne per each added team member
Yes
Yes
Yes
Yes
Transfer to Vivid Business customers
Free
Free
Free
Free
Transfer between own accounts
Free
Free
Free
Free
Monthly fee per extra account above your free limit
€3
€2
€1
€1
Monthly fee per extra team member above your free limit
€3
€2
€1
€1
Monthly fee per inactive virtual cardYou will be charged a monthly fee per each inactive card. An inactive card is one with no successful transactions in the previous billing period.
€1
0
0
0
Monthly fee per inactive physical cardYou will be charged a monthly fee per each inactive card. An inactive card is one with no successful transactions in the previous billing period.
€2
€1
0
0
Fee for any physical card delivery above your free limit
€9.90
€9.90
€9.90
€9.90
Fee for fast physical card delivery
€24.90
€24.90
€24.90
€24.90
Fee for bulk transfersPer each bulk transfer. * This offer is valid until May 31
€0€3
€0
€0
€0
Fee for outgoing transfers above your free limit
€0.2
€0.2
€0.2
€0.2
Fee for ATM withdrawals
2%
1%
1%
1%
Currency exchange feeMarkup over the exchange rate for the execution of non-EUR card transactions
2%
1%
1%
1%
Coming soon
Fee for Legal Entity Identifier (LEI) issuance€25 fee also applies if you downgrade to Free Start within 12 months since your LEI request.
€25
€0
€0
€0
Get started
Account Opening Process
1
Start your application

Launch the online application and enter your business details through our guided process. If you have any questions, you can get help in the chat with the account manager.

2
Pass identification

Pass photo identification via our partners' process on mobile or desktop. No video call is required. You may need to answer additional questions if needed.

3
Your German business account is ready

Open up to 30 accounts, add team members, top up interest accounts, and earn 5% right away.

Open Business Account
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
Cards
Physical Visa cards

Issue free physical cards for your business and customize them with different colors.

Virtual cards

Create virtual cards instantly. Set individual limits and get notifications on every transaction. Block any card at any time with one click.

Frequently Asked Questions
A business bank account is an account provided by a banking or payment institution to facilitate financial operations for freelancers, small and medium-sized businesses (SMEs), startups, and other types of companies. Through this account, companies can process incoming and outgoing transactions related to their business needs. This type of account usually provides integrations with accounting services and offers options to add different roles and manage permissions. However, the basic function remains the same: making and receiving payments. Companies usually open at least one business account right after the registration process. Depending on its particular needs, a company can also have several business accounts in different banks or financial institutions.
The business account expenses depend on several company and account parameters, as well as business specifics, such as:
  • Annual or monthly basic fee for the account plan.
  • Number of employees.
  • Costs for virtual or physical cards.
  • Number of monthly transactions.
  • Costs for each paper-based or paperless booking (transfer, standing order, direct debit).
  • Number of cash withdrawals from ATMs.
  • Fees for each cash withdrawal from ATMs.
  • For a digital account: any charges for accounting functions.
  • Fees for international transfers.
  • Account management costs.
Price and fee differences will differ between traditional banks and neobanks. Often, a conventional bank or neobank offers different account models associated with different account management fees. Companies with business bank accounts should consider all the details. Usually, having several business bank accounts for different operations may be a good idea. Vivid offers several subscription types for a business account based on the company size requirements. You do not need to give up your current bank account. You can open a new business account in Vivid and evaluate new features for free.
You can open a business account 100% online without an appointment or a call. Just set up your digital business account online anytime and from any place. The simple and fully digital account opening process takes about 10 minutes. If you have any questions, you can contact the Vivid support team, which is available 24/7. To open a free business account, you must be your company's director(s) (as listed in the company's articles of association). If you open the account using a management power of attorney, we will require proof of identity from you and the director(s).
Who can Vivid supports the following registered legal forms in the Handelsregister:
  • GmbH
  • GmbH & Co. KG
  • AG
  • UG
  • KG
  • eK
We will soon support these types of legal entities:
  • Freelancer
  • Sole traders
Vivid’s digital business account offers many advantages:
  • 100% online: open your company account in minutes, get a German IBAN instantly, and order your physical or virtual visa cards.
  • A digital account in neobanks helps make company accounting easier with automated receipt-matching technology and more.
  • Enjoy integrated invoicing, cash flow, and supplier management tools.
  • Designed for teams: you can add team members and roles and check and approve each transaction.
  • Dedicated customer support: our team is available via chat 7 days a week, 24 hours a day.
Vivid offers a digital business account with DE IBAN and all the classic banking services you need (e.g., SEPA real-time transfers, foreign payments, card payments, online banking, etc.). Vivid also offers tools to simplify transactions, bookkeeping, and tax management, such as accounting integration with DATEV. Moreover, Vivid offers customizable physical and digital Visa cards. A digital business account is opened online and managed via a smartphone.
The documents you need to open a free company account depend on your company's legal form. Businesses usually have to provide the following: 1) Proof of identity of directors in the form of an identity card or passport. 2) Proof of business activity: depending on the legal form, e.g., current extract from the commercial register for corporations such as GmbH or UG.
Online registration for a Vivid digital business account usually takes about 10 minutes. First, you register an account and go through identity verification. Then we verify the company information you entered. We’ll get back to you with an update within less than 48 hours.
deen
DE
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Vivid Money S.A., 21 rue Glesener, Luxembourg, L-1631, Luxembourg, a Financial institution authorized and regulated by the Commission de Surveillance du Secteur Financier, Luxembourg, under the register number W00000015.

If you have a bank account with Solaris SE, where Vivid Money GmbH is acting as an outsourcing provider of Solaris SE for the provision of bank account services and debit card services, you can find more information here.

Please note that all our Invest 2.0 services are provided to you by Vivid Money B.V. that is licensed as an Investment Firm by the Dutch Authority for Financial Markets (AFM). Vivid Money B.V. has its address at Strawinskylaan 4117, 1077 ZX Amsterdam, the Netherlands and a registration with the trade register of the Dutch Chamber of Commerce under number 78219159. The register can be accessed under https://www.afm.nl/en/sector/registers. Vivid Money BV also offers the brokerage of transactions for the purchase and sale of financial instruments in context of the currency conversion products.