5 days : 11 hours : 12 min : 9 sec

Open an account now and secure 5% interest*

Best Business Account from €0 with 5% return*

Unlimited German IBANs without SCHUFA in 10 minutes
Integration with accounting tools such as DATEV, sevDesk
Free Visa cards with up to 10% cashback
SWIFT and free instant SEPA transfers

Trustpilot: Excellent! | 28,000+ reviews

Open a business account

Top Mobile Banking 2026
Handelsblatt
Industry Leader 2026
F.A.Z. Institut
Best SME Service Provider 2026
WirtschaftsWoche
German Service Award 2026
DISQ Institut
Best Business Account 2026
Für Gründer

Free business account
with unlimited sub-accounts with IBANs

Start using your account from your desktop in 3 easy steps

We accept all business types: Companies, Freelancers, Partnerships and companies in formation.

Fully online

We’ll review your documents and get back to you as soon as possible.

Activate your business account

Top-up your account via Apple Pay, Google Pay, or use free SEPA transfers. Enjoy 5% interest* and cashback.

Open a business account

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

Plans for every business

The base is the same on every plan. What changes is the interest rate, cashback, international payments and card controls.

Monthly

Payment period

Annual

Save up to 24%

Free Start
0 € / month
Free of charge at all times
A business account with unlimited accounts and team members, cashback and investing, at no monthly fee.
Get started
4% annual interest rate for the first 4 months*, then 0.1%
Included:
- 0.1% guaranteed cashback on all purchases, up to 2% in categories
- everything in Included in every plan below
- no international transfers, and accounts in EUR only
Basic
6,9 € / month
2 months free trial
Everything for cross-border business: accounts in 20+ currencies, international transfers and lower card-acceptance fees.
Get started
4% annual interest rate for the first 4 months*, then 0.5%
Everything in Free Start, plus:
- accounts in over 20 currencies, not just EUR
- international transfers: 5 a month at no fee, then 5 € each
- card payments from clients from 1.49%, instead of 2.29%
- 0.2% guaranteed cashback, up to 4% in categories
- unlimited receipt uploads, with receipt images pushed to DATEV
★ Most popular
Pro
18,9 € / month
2 months free trial
Full card control for a team: advanced limits, category and merchant restrictions, corporate cards, plus higher interest and cashback.
Get started
4% annual interest rate for the first 4 months*, then 1.3%
Everything in Basic, plus:
- card controls: advanced limits, plus category, merchant and country restrictions
- corporate cards issued in the company name
- card payments from clients from 0.79%
- 0.5% guaranteed cashback, up to 6% in categories
- 10 international transfers a month at no fee
- a dedicated customer success team

Included in every plan, including the 0 € one

Many providers charge these per transaction or unlock them only on a higher plan. Here they are included from day one.

Day-to-day banking

unlimited accounts, each with its own German IBAN
unlimited team members, at no extra cost per person
virtual and plastic cards at no issuing fee
free instant SEPA transfers
incoming international transfers at no fee**

What your money earns

4% annual interest rate on EUR for the first 4 months*
5% annual interest rate on USD and GBP for the first 5 months*
business brokerage in the account: stocks, ETFs, iBonds, money market funds
cashback on every plan, including the 0 € one

Bookkeeping and support

invoicing and e-invoicing
sevDesk, Lexware Office and DATEV integrations
tax returns filed for you (freelancers)
24/7 support from real people

Trusted by 500.000+ customers across Europe

4.7
Trustpilot rating
Rated “Excellent” – 4.7/5 from 28,000+ reviews
4.6
App Store & Google Play
4.6/5 from 53,000+ ratings for “Vivid Business & Personal” mobile app
24 / 7
Support
Human customer service, day and night

Here's why customers love us

Excellent! | 28,000+ reviews

5.0

Recommended for freelancers and business owners

So far my experience with Vivid has been great. From the customer service, the account opening, and the digital experience, I haven't had any issues with Vivid. I can only recommend it!

Erick Daniel, Germany

Trustpilot

5.0

I chose Vivid.Money

I chose Vivid.Money because it allows me to manage accounts for all my businesses in one place. Compared to other online banking systems I’ve tried, it offers the best value for money. For one of my businesses, I upgraded to the Pro account—it gives me access to real human support and the highest interest rates I’ve seen on the market. While their regular customer service is already solid, having the option to speak directly with someone was essential for me to build trust. Beyond the practical benefits, I genuinely appreciate how Vivid.Money supports my financial awareness. It’s a service I enjoy using and one that makes me more financially conscious day by day.

Lorand Balazs Imre, Germany

Trustpilot

4.0

Super quick Business account creation

I’d give 4.5 stars as my experience with Vivid has been great, but there is always room for improvement. Especially setting up the business account was so easy and fast, this really struck me. The new feature with E-invoicing is also quite useful but needs some more work with additional fields (e.g. my own tax ID). Looking forward trying more the cashback programs.

Eric, Germany

Trustpilot

5.0

I really love Vivid Bank

I really love Vivid Bank. Really easy to sign up. I love the fact I can have different space with different account numbers where I can transfer money to. The business account has a great interest rate and most important, the costumer support is excellent, something rare these days. Kudos to you and keep up with the good work!

Shaqueera Grey, Spain

Trustpilot

5.0

Very fast and good

Very fast approval, IBAN with connection to DATEV Unternehmen Online and VISA card within 2 days. Works perferct

Mark, Germany

Trustpilot

5.0

Best business banking platform in Europe

The experience with vivid is super smooth and the terms are great!

Marcel, Germany

Trustpilot

Make your money grow effortlessly

Get 5% p.a. fixed for 5 months* in USD & GBP or 4% p.a. fixed for 4 months* in EUR. Your money is invested by us in Qualifying Money Market Funds to generate interest. More about interest can be found here.

Open a business account

Up to 10% cashback on your purchases

Issue a free card for every team member. Pick your favourite cashback categories for the upcoming month.

CompaniesFreelancers

All purchases, up to 1%
Guaranteed unlimited cashback on all purchases, excl. ATM withdrawals and SEPA transfers.
Facebook advertising, up to 10%
Purchases of Facebook advertising.
Amazon, up to 10%
Purchases on Amazon.
Google advertising, up to 10%
Purchases of Google advertising.
More categories
Pick your favourite cashback categories every month.

Integrations with accounting software

Sync your transactions and bank statements with platforms like DATEV, lexoffice, and others. Stay updated without manual data entry, making expense tracking and tax prep easier.