The Financial Platform for Companies and Freelancers

Fast registration, German IBANs, instant transfers, and all the financial tools you need to thrive.

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

Premium Business Account in 10 minutes

  • Free business account with up to 30 DE IBANS
  • 5% p.a. interest rate on positive balance
  • Free VISA card for every team member
  • SWIFT and Instant SEPA transfers
  • Team access with personalized permissions
Open Business Account

Account

Full online registration—no in-person step.
Get your German IBAN in 10 minutes.
Friendly onboarding: everyone’s situation is unique and we consider each case individually.

Not ready to commit to a monthly payment? Get started with our free plan for €0 per month.
Explore our different plans to find the one that suits your needs.
Subscribe to any paid plan and get the first two months for free.

Open up to 30 accounts with individual German IBANs.
Access all of them in one place.
Manage your payment streams on your own terms.
Invest your money in an account with a positive interest rate of 5% per year for the first 2 months, then 3.5%**.
Access your funds instantly: Top-ups and withdrawals available 24/7.
Track growth in real-time with simple visualisation of your balance.
This service is provided by Vivid Money B.V.*

Get and send transfers in a few seconds with SEPA Instant.
Accept funds internationally with SWIFT transfers—coming soon.

Accounting integrations with DATEV.
Integrations available with MT940—full integration coming soon.
Quick support through chat or email.
24/7 availability.

Full online services with 24/7 access to your accounts.
Available both on mobile and web.

Create individual accounts for your employees.
Immediate salary payments to any Vivid account.

Get immediate notifications for each transaction.
Block any card at any time in one tap.
CVV only visible online—it won’t be printed on your physical cards.

Cards

Issue multiple cards—personalise them with different colours.
Free delivery of the first physical card for each member of your company.
Freeze, reissue and set limits on your cards in a few taps.

Start using your Vivid Business card and earn cashback for every transaction.
Get cashback for every card purchase of every team member.

Use your card as much as you like—we won’t block you for being active.
High spending limits on each card to match your needs.

Team

Manage your team's access to the account.
Assign Admin roles to employees for full access to the account.
Assign Assistant roles to external accountants and employees for limited access — allowing them to view and download financial data, use their own cards, and request transfers.
Issue cards and set spending limits for employees with Assistant roles.

Delegate transfer creation to employees with Assistant roles.
Get real-time notifications about new requests.
Review, approve, and reject team members’ transfer requests.

Interest account

Keep your funds in your Interest Account and earn 5% per year for the first 2 months, if you open the Account starting from the 6th of May. When the promo period is over, you earn 3.5%**
Interest is added every day—visualise your growth with in-app dynamics.
This service is provided by Vivid Money B.V.*

Top-up and withdraw your funds any day, any time.
Money is immediately available upon withdrawal to your Business account.

To protect your money while offering a good return, we invest your money in Money Market Funds (MMF). All the funds we use have AAA/Aaa ratings from rating agencies such as S&P and Moody's and Fitch.
This Interest Account is provided by Vivid Money B.V., part of Vivid group, which is authorised and regulated as an investment firm by the Dutch Authority for the Financial Markets (AFM).
Your investments are protected under the Dutch Investor Compensation Scheme up to €20,000.

Plans for companies

free start
0
Free of charge at all timesGet started
basic
0€7
After 2 months:
€7 monthly, excl VAT
Get started
pro
0€19
After 2 months:
€19 monthly, excl VAT
Get started
enterprise
0€79
After 2 months:
€79 monthly, excl VAT
Get 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 August 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

Plans for freelancers

standard
0
Free of charge at all timesGet started
prime
0€7.9
After 2 months:
€7.9 monthly, excl VAT
Get started
Free of charge at all timesAfter 2 months: €7.9 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 for the balance up to €100,000.
5%2%
5%4%
Outgoing SEPA transfers
Free
Free
Fee for adding a Team Memberabove one Assistant, no further Team Members are possible
€ 3
Free
Included accounts
1
10
Virtual cards
Free
Free
Physical cards
Free
Free
Card spending limitPer month
€ 50 000
€ 50 000
Free physical card deliveryFor the first card
Yes
Yes
Transfer to Vivid Business customers
Free
Free
Transfer between own accounts
Free
Free
Monthly fee per extra account above free limit
€ 3
€ 2
Fee for any physical card delivery above your free limit
€ 9.90
€ 9.90
Fee for fast physical card delivery
€ 24.90
€ 24.90
Fee for bulk transfersper each bulk transfer
€ 0€ 3
€ 0
Fee for ATM withdrawalsPer month. If the withdrawal amount is less than €50 or the monthly free limit has been reached, a fee of 3% of the withdrawal amount (but not less than €1) is applied.
Free up to €200
Free up to €1000
Currency exchange feeMark-up over the exchange rate for execution of non-EUR card transactions
1%
1%
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.