5 days : 18 hours : 34 min : 27 sec
Open an account now and secure 5% interest*
Gift

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

Available on any device
  • Award: Top Mobile Banking 2026

    Top Mobile Banking 2026

    Handelsblatt

  • Award: Industry Leader 2026

    Industry Leader 2026

    F.A.Z. Institut

  • Award: Best SME Service Provider 2026

    Best SME Service Provider 2026

    WirtschaftsWoche

  • Award: German Service Award 2026

    German Service Award 2026

    DISQ Institut

  • Award: Best Business Account 2026

    Best Business Account 2026

    Für Gründer

Find the right solution for you

Small & medium enterprises

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.

Freelancers

Freelancers

After opening a professional account in a few clicks, free unlimited SEPA transfers and a 5% interest rate* await you.

Companies in formation

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.

Partnerships

Partnerships

Keep your finances organised and transparent with custom access rights for team members and accountants.

Startups

Startups

Account opening is done with a few clicks online, simply choose the features that match your ambition for growth.

Associations and non-profits

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.

Clear benefits with no hidden fees

  • Account from €0

    A fully functional and free business account

  • Without SCHUFA

    No SCHUFA credit check when opening an account

  • German IBANs

    Unlimited German IBANs regardless of tariff

  • Online in 10 Min

    Account opening fully online and without appointment

  • 5% Yield

    5% p.a. for 5 months in USD and GBP, 4% for 4 months in EUR*

  • Free cards

    Physical & virtual Visa cards for each team member

  • 10% Cashback

    Unlimited cashback up to 10% on every card purchase

  • Free SEPA

    SWIFT and free instant SEPA transfers

Free business account
with unlimited sub-accounts with IBANs

1

Start using your account from your desktop in 3 easy steps

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

2

Fully online

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

3

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

Country
Business type
Legal entity type
Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.

Plans

Monthly
Annual
Save up to 24%

Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync

  • Free Start

    Suited for newly registered companies setting up finances and looking to try key banking features for free

    0 € / month
    Free of charge at all times
    Get started
    • Accounts & Interest
      • Free accounts with German IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        0,1%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        0,2%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,1%
      • Cashback on selected categories and brands, up to
        2%
      • Virtual and physical cards
        Free
      • Card spending limits for ads & IT services
        Unlimited
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        Not Available
    • Support
      • 24/7 human support
        Yes
      • Dedicated customer success team
        No

  • Basic

    Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost

    6,9 € / month
    2 months free trial
    Get started
    • Accounts & Interest
      • Free accounts with German IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        0,5%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        1%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,2%
      • Cashback on selected categories and brands, up to
        4%
      • Virtual and physical cards
        Free
      • Card spending limits for ads & IT services
        Unlimited
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        5 free per month, then 5 €
    • Support
      • 24/7 human support
        Yes
      • Dedicated customer success team
        No

  • Pro

    Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync

    18,9 € / month
    2 months free trial
    Get started
    • Accounts & Interest
      • Free accounts with German IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        1,3%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        2%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,5%
      • Cashback on selected categories and brands, up to
        6%
      • Virtual and physical cards
        Free
      • Card spending limits for ads & IT services
        Unlimited
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        10 free per month, then 5 €
    • Support
      • 24/7 human support
        Yes
      • Dedicated customer success team
        Yes
Features you get on every plan
  • Invoicing
    Free
  • Document uploads for bookkeeping (on every paid plan)
    Unlimited
  • Integrations (sevDesk, Lexware Office, DATEV, ...)
    Free
  • Business travel cashback up to
    30%
  • Crypto Earn rewards up to
    8% APY
  • Maximum loan amount & repayment term
    200,000 €,
    12 months
  • Fee for receiving card payments from clients (EEA cards), from
    0,79% (+0,25 €)
  • Business Brokerage (stocks, ETFs, crypto)
    Free
  • Tax filing (for freelancers)
    Free
  • POS terminal
    Free
  • Flat transaction fee (all cards)
    Up to 1.49%
  • Digital employees (personal and legal AI assistants)
    Free

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

«The Vivid financial platform makes it possible to organize the everyday financial life of an entrepreneur more efficiently.» — Handelsblatt

RTL
Finance FWD
t3n
ITFinanzMagazin

Europe’s best companies run on Vivid

100,000+ European businesses spend less on fees, get paid faster, and close the books sooner

Vivid helps us every day with effective, efficient cash-flow management.

Nicolò Daniele Donato, Founder & Managing Director, Deluxy

There’s never been a business account that comes close to these offers, this output, and this return.

Giovanni Bruno, Founder and Managing Director, fokus digital GmbH

My first transfer took about ten seconds. I’ve never finished a transfer that fast.

Martin, Founder, KeMar Kitchenware

With my previous account the rate on the balance was zero. Now it’s 1.3% — which is still more than zero.

Rubens Gardelli, Founder, Gardelli Specialty Coffees

In half a year, that’s around 740 euros saved. Not even a full year.

Stefano, Owner, Sushi World

With Vivid I felt at ease right away: the ability to set money aside automatically, and to have those sums earn a return, has been a real help to us.

— Umberto Brignone, third generation, Pasticceria Brignone

What I like most about Vivid is the app itself. You have everything right there on your phone — it's super easy, and the whole thing is very intuitive to use.

Julia Nützel, Founder & Creative Director, NYNOLIA

Having it all from one source is simply more convenient than sourcing a separate provider for every part.

Martin Brehme, Managing Director, Biting Bit GmbH

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

interest rate

Up to 10% cashback helps you cut business expenses

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

payment

Instant cashback

Metal card •1337
  • Card payment
    All card payments up to 1%
    Guaranteed, unlimited cashback
    €124,16
    − €12.416,32
  • Google Ads
    Growth
    Advertising costs
    €49,98
    − €980,00
  • Aral
    Main account
    Gas stations
    €3,54
    − €118,21
  • Rewe
    Main account
    Meals
    €14,80
    − €740,00

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.

The all-in-one solution for companies and freelancers

Interest Account

Interest Account

Earn 5% fixed annual interest* on uninvested cash. Your money grows while staying available at all times.

Invoicing

Invoicing

Issue comprehensive invoices, track what's owed and send reminders.

Bookkeeping

Bookkeeping

Keep financial records from all your bank accounts organized. Quickly share data with your team or accountants.

Online payments

Online payments

Boost your revenue by making online payments effortless — whether customers pay via invoice, link or through your website.

Integrations

Integrations

Streamline all your money management by connecting with powerful accounting tools and financial applications.

Digital Employees

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.

Quick transfers

Quick transfers

Gain full flexibility with SEPA Instant transfers, SWIFT transfers and easy redirects of direct debits.

Cards & Cashback

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

Unlimited Card Spending

Issue a card for every team member, claim guaranteed cashback and make payments for IT & Ads services without worrying about limits.

Business Travel

Business Travel

The first tool to let you search, book and pay for hotels directly from your account — including up to 30% travel cashback!

Personal Account

Personal Account

Enjoy the ease of having your private and business finances in one place and seamlessly switch accounts whenever you need

Your money is safe with us

safety.title

Safely stored

Your money is safeguarded in full: in segregated client-money accounts with European partner banks and in a Qualifying Money Market Fund (QMMF), which may only hold low risk, highly liquid assets. Unlike traditional banks, we don’t use client funds for risky loans.

Overseen by European financial authorities

All our services are provided by the Vivid Money group: Vivid Money SA is regulated by the Commission de Surveillance du Secteur Financier (CSSF) of Luxembourg and Vivid Money B.V. is regulated by the Dutch Authority for Financial Markets (AFM).

Secured against our insolvency

Your funds are kept separate from our own and safeguarded in full. In the unlikely event of Vivid Money S.A. becoming insolvent, your balance would not form part of its estate and would be claimable by you - there is no upper limit. On top of that, funds we hold for you in our client-money account at Natixis (France) are covered by the French statutory deposit guarantee, up to €100,000 per customer, if that bank were to fail. That cover applies to the funds held in that account, not to your full balance, and money market fund holdings are not deposits and are not covered. The funds in your account are yours, and yours alone.

Superior payment security

Superior payment security

We comply with the Payment Card Industry Data Security Standards to protect your payment information.

2-step authentication

2-step authentication

With 3D Secure and two-step authentication we ensure no payment is made without your authorisation.

GDPR compliance

GDPR compliance

Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.

Deposit protection

Deposit protection

Your balance is safeguarded in full by Vivid Money S.A. Funds at our partner bank Natixis (France) also carry the French deposit guarantee, up to €100,000 per customer.

Frequently asked questions about business accounts

  • How can I open a Vivid Business account online?

    You can open your business account online directly through the Vivid website or app. The account opening process is completely digital.

    The process consists of a few steps:
    • Fill out the online application (usually within about 10 minutes).
    • Confirm information about your company and your identity.
    • After successful verification, you can start using your business account immediately.
  • Yes, Vivid Business offers business accounts suitable for all types of self-employment, companies, startups, and organisations. In Germany, these include the following legal forms: small traders, freelancers, e.Kfm., E.Kfr., sole proprietorships, GmbH, gGmbH, GmbH i.G., UG, gUG, UG i.G., AG, oHG, KG, KGaA, GmbH & Co. KG, UG & Co. KG, AG & Co KG, AG & Co KGaA, SE & Co KGaA, GmbH & Co oHG, AG & Co oHG, eGbR, GbR, PartG, PartG mbB, eG, SE, e.V., foundations (excluding private holdings).

    In the Help Centre, you can find more details about the accepted countries, as well as conditions for non-profit organisations.
  • To open a business account, certain requirements must be met:
    • a valid proof of identity (e.g., identity card or passport);
    • information about your company (legal form, address, field of activity);
    • depending on the legal form, additional company documents such as articles of association or list of partners.
    You can find out exactly which documents are required here. They will also be shown to you again during the digital account opening.
  • Opening the Vivid business current account usually takes between 10 minutes and 1 hour, depending on how quickly your information is verified.

    In individual cases, the process may take longer if additional information is required. If you do not receive any feedback after about 2 business days, you should contact support.
  • Opening the account itself costs nothing. With the Free Start or Standard plan you use the business current account for €0/month.

    Depending on the chosen plan, additional optional services may be chargeable (such as extended features or higher service levels), but the initial setup and account opening remain free of charge.
  • A Vivid business account offers modern security standards for digital financial services. Customer funds are kept separate from company assets and are not used for operational purposes. At one of our partner banks, statutory deposit protection applies on top: up to €100,000 per customer, as at any bank in the EU. The funds remain the customer's property, including any amount above that. The business checking account is also protected by strong authentication and encrypted data processing according to European data protection standards. You can read more about deposit protection here and here.
  • Yes. The Vivid business account can be connected with common accounting software. Transactions and account statements are automatically synchronised, which significantly simplifies your ongoing bookkeeping. Alternatively, you can export your data at any time as a PDF, CSV, or MT940 file and import it into your accounting system.
  • Whether a business account is required depends on your activity and legal form. For German corporations such as GmbH or UG, a separate account is legally mandatory.

    For freelancers or small business owners, having a separate business account may not be mandatory but is recommended to clearly separate private and business finances and keep accounting organised.
  • Yes. The Vivid business account can be fully managed through the Vivid Business & Personal app. In the mobile app, you can make payments, view transactions, manage cards, and switch between your business and personal accounts.

    Additionally, a web platform is available that allows you to manage your business account on the desktop as well.