Does a GbR need a business account?

A separate business account is usually not required by law for a GbR. Still, it helps you keep private and business finances cleanly apart and manage shared payments with more clarity.

Can I open a free GbR business account?

Yes — with Vivid you can open a free GbR business account and manage shared finances digitally. Depending on your plan, additional features for cards, bookkeeping and team access are available.

How much does a business account for a GbR cost?

Costs depend on the provider and the features included. With Vivid, you can open a free business account for your GbR and organise payments, cards and shared finances in one app.

How long does it take to open a GbR account?

Account opening works fully online and usually takes just a few minutes. Once all partners are verified, your account is ready to use.

Which documents are needed for a GbR account?

As a rule, you need valid IDs for all partners plus details about the business. Depending on the provider, additional documents may be required.

Who can open a GbR business account?

In principle, any partner authorised to represent the GbR can open an account. Which approvals or documents are needed depends on the provider.

Which bank is best for a GbR business account?

A good bank account for a GbR should offer transparent pricing, shared account management, digital bookkeeping and flexible user access. Easy account opening and clear everyday banking matter just as much.

Can I manage multiple users in the account?

Yes — several partners or team members can get access to the account. You manage payments, cards and expenses together and keep all transactions in one central view.

Open a business account for your GbR

With the business account for your GbR, you manage shared finances simply and clearly in one place. Open your account fully online and give every partner access to payments, cards and expenses. Transparent pricing, smart tools and full control over your payment flow help you run your GbR efficiently day to day.

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

Why GbRs choose our business account

Shared access for all partners
Manage finances together in one account and keep payments and expenses in view at all times. Every partner gets access to key features, with role-based permissions for payments, cards and account access.
Transparent costs and full control
With a GbR business account, you keep fees, payments and account activity in view at all times. Transparent pricing with no hidden costs helps you manage shared finances more easily and stay in full control.
Private and business finances separated
Keep private and business payments cleanly apart and have income, expenses and key documents organised in one place. That simplifies your finances and cuts the effort for bookkeeping and tax returns.
Everything digital and in real time
Manage payments, cards and account activity right in the app. You open a GbR account fully online and organise your finances flexibly, in real time.

Features for your GbR

Transfers & shared payments

Manage incoming and outgoing payments together in one account. Every partner keeps track of transfers, expenses and your GbR's entire payment flow.

Company cards for multiple users

Create cards for partners or team members and assign expenses to individuals or teams. Manage shared costs right in the GbR account and keep payments in one central view.

Invoices & receipt management

Organise invoices and receipts digitally in one place. Upload documents directly and keep important paperwork in clear view — less manual effort in your bookkeeping.

Bookkeeping & automation

Automate recurring workflows and organise your financial admin more efficiently. With the business account for your GbR, you cut manual work, save time on bookkeeping and prepare documents for tax season more easily.

Financial overview for everyone involved

Keep income, expenses and cash flow in one central view. Shared overviews help everyone involved make financial decisions with more transparency and less friction.

Integrations & tax advisor connection

Connect your account to tools like DATEV and send key financial data straight to your tax advisor. That cuts manual effort in bookkeeping and year-end closing.

Your GbR business account in 3 steps

Fill in the online application

Fill in the application fully online and provide your key company details digitally. Opening a business account for your GbR takes just a few minutes — no paperwork.

Verify all partners

All partners confirm their identity securely via VideoIdent or digital verification. Your account is reviewed quickly and prepared for use.

Start using your account

Once approved, your GbR account is ready to go. Send payments, manage cards and organise your finances together in the app.

Open a business account for your GbR

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

Security for your shared finances

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

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

2-step authentication

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

GDPR compliance

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

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.

Plans for GbRs

Monthly

Payment period

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

Compare all features

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

Frequently asked questions about the GbR business account

Does a GbR need a business account?
A separate business account is usually not required by law for a GbR. Still, it helps you keep private and business finances cleanly apart and manage shared payments with more clarity.
Can I open a free GbR business account?
Yes — with Vivid you can open a free GbR business account and manage shared finances digitally. Depending on your plan, additional features for cards, bookkeeping and team access are available.
How much does a business account for a GbR cost?
Costs depend on the provider and the features included. With Vivid, you can open a free business account for your GbR and organise payments, cards and shared finances in one app.
How long does it take to open a GbR account?
Account opening works fully online and usually takes just a few minutes. Once all partners are verified, your account is ready to use.
Which documents are needed for a GbR account?
As a rule, you need valid IDs for all partners plus details about the business. Depending on the provider, additional documents may be required.
Who can open a GbR business account?
In principle, any partner authorised to represent the GbR can open an account. Which approvals or documents are needed depends on the provider.
Which bank is best for a GbR business account?
A good bank account for a GbR should offer transparent pricing, shared account management, digital bookkeeping and flexible user access. Easy account opening and clear everyday banking matter just as much.
Can I manage multiple users in the account?
Yes — several partners or team members can get access to the account. You manage payments, cards and expenses together and keep all transactions in one central view.
How secure is a Vivid business account?
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.