Best Business Account 2025 in 10 minutes

  • Without SCHUFA query
  • Up to 10% cashback on your purchases
  • 4% interest rate on positive balance
  • SWIFT and free instant SEPA transfers
  • Personal customer support 24/7
Open a business account
devices
  • Best Business Account 2025
    Best Business Account 2025
    Finanzfluss.de
  • Highest Interest Rate for Business 2025
    Highest Interest Rate for Business 2025
    Für-Gründer.de
  • Top Mobile Banking 2025
    Top Mobile Banking 2025
    Handelsblatt.com
  • Top German Startups 2024
    Top German Startups 2024
    LinkedIn
  • Trustpilot: Excellent!

Free business account
with up to 30 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 4% interest and cashback.

Open a business account
DECountryGermany
Business typeRegistered Company
Legal entity typeGmbH
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.

Here's why customers love us

Excellent! | 18.000+ 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

Interest account

your interest rate

Earn 4% interest annually

Keep your uninvested cash in your Interest Account and earn 4% per year for the first 4 months. When the promo period is over, you earn up to 2%*.

Access to your money any time

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

We keep your money safe

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. Read more about how Vivid safeguards your funds here.

Up to 10% cashback on your purchases

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

payment
  • 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, sevDesk, and others. Stay updated without manual data entry, making expense tracking and tax prep easier.

  • Lexware Office(ex-lexoffice)

    Lexware Office
    (ex-lexoffice)

    German software with vast features for accounting, invoicing and payroll

  • integration.DATEV_transactions.name

    DATEV (transactions)

    German software with vast features for accounting, invoicing and payroll

  • integration.DATEV_documents.name

    DATEV (documents)

    German software with vast features for accounting, invoicing and payroll

  • sevDesk

    sevDesk

    Online software with vast features for accounting and invoicing, available in several languages

  • Оdoo

    Оdoo

    Odoo is a user-friendly financial management tool that simplifies invoicing, bookkeeping, and reporting for businesses

  • FastBill

    FastBill

    German online-software for accounting, invoicing and financial analysis

  • easybill

    easybill

    German online-software for invoicing and stock management

  • Sage

    Sage

    Solutions for invoicing, expense tracking, bank reconciliation, payroll processing, financial reporting, and tax compliance.

  • BuchhaltungsButler

    BuchhaltungsButler

    German online-software for accounting, invoicing and financial analysis

  • Commitly

    Commitly

    German online-software for cashflow planning

  • Puls Project

    Puls Project

    German online-software for cashflow planning and management of several bank accounts

  • GetMyInvoices

    GetMyInvoices

    German online-software that automatically collects invoices from online portals, inboxes and scans

  • MoneyMoney

    MoneyMoney

    German software designed specifically for macOS to manage and analise several bank accounts

  • Finanzguru

    Finanzguru

    German application that supports in tracking and analising finances

Show all integrations

Plans

Monthly
Annual
Save up to 24%
  • Free Start

    0 € / month

    Free of charge at all times
    Get started

    • Accounts & Interest
    • Accounts included
      12
    • Team members included
      1
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      0,1%
    • Variable rate (Interest Strategies), up to*
      5%
    • Currency exchange between own accounts
      Free
    • 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
    • Spending limit in other categories
      100.000 €
    • Transfers
    • Outgoing SEPA Instant transfers
      5 free per month,
      then 0,2 €
    • Outgoing SWIFT transfers
      5 €
    • Bulk transfers
      Unlimited
    • Features
    • Invoicing
      Free
    • Bookkeeping documents included
      25
    • Payment processing fee (EEA cards)
      2,29% (+0,45 €)
    • Integrations (sevDesk, Lexware Office, DATEV, ...)
      Free
    • Business travel cashback up to
      30%
    • Crypto Earn rewards up to
      8% APY
    • Maximum loan amount & repayment term
      250.000 €,
      12 months
    • 24/7 human support
      Yes
    • Dedicated customer success team
      No
  • Basic

    7 € / month
    excl. VAT
    2 months free trial
    Get started

    • Accounts & Interest
    • Accounts included
      15
    • Team members included
      15
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      0,5%
    • Variable rate (Interest Strategies), up to*
      5%
    • Currency exchange between own accounts
      Free
    • Cards & Cashback
    • Guaranteed unlimited cashback
      0,25%
    • Cashback on selected categories and brands, up to
      4%
    • Virtual and physical cards
      Free
    • Card spending limits for ads & IT services
      Unlimited
    • Spending limit in other categories
      100.000 €
    • Transfers
    • Outgoing SEPA Instant transfers
      Free
    • Outgoing SWIFT transfers
      5 free per month, then 5 €
    • Bulk transfers
      Unlimited
    • Features
    • Invoicing
      Free
    • Bookkeeping documents included
      Unlimited
    • Payment processing fee (EEA cards)
      1,49% (+0,35 €)
    • Integrations (sevDesk, Lexware Office, DATEV, ...)
      Free
    • Business travel cashback up to
      30%
    • Crypto Earn rewards up to
      8% APY
    • Maximum loan amount & repayment term
      250.000 €,
      12 months
    • 24/7 human support
      Yes
    • Dedicated customer success team
      No
  • Pro

    19 € / month
    excl. VAT
    2 months free trial
    Get started

    • Accounts & Interest
    • Accounts included
      20
    • Team members included
      30
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      1,3%
    • Variable rate (Interest Strategies), up to*
      5%
    • Currency exchange between own accounts
      Free
    • 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
    • Spending limit in other categories
      100.000 €
    • Transfers
    • Outgoing SEPA Instant transfers
      Free
    • Outgoing SWIFT transfers
      10 free per month, then 5 €
    • Bulk transfers
      Unlimited
    • Features
    • Invoicing
      Free
    • Bookkeeping documents included
      Unlimited
    • Payment processing fee (EEA cards)
      0,79% (+0,25 €)
    • Integrations (sevDesk, Lexware Office, DATEV, ...)
      Free
    • Business travel cashback up to
      30%
    • Crypto Earn rewards up to
      8% APY
    • Maximum loan amount & repayment term
      250.000 €,
      12 months
    • 24/7 human support
      Yes
    • Dedicated customer success team
      Yes

Advanced security features

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.

Get started
DECountryGermany
Business typeRegistered Company
Legal entity typeGmbH
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.