Every payment out is free
Drivers, subcontractors, workshops: whoever you pay, the transfer costs nothing. Euro payments inside Europe are free with no monthly limit, however often you pay.
Manage your logistics finances in one place
Pay drivers and subcontractors for free, give every driver a card with its own limit, and keep every receipt where your accountant can find it.
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Everything a fleet runs on, in one account
A card for every driver, or for every truck
Hand out a card for fuel, tolls and overnight stops, and set the rules for each one yourself.
- How much it can spend: a limit per day, per week, per month, or one fixed amount that does not renew
- A separate limit for cash withdrawals, set independently from card spending
- Where it works: only the categories you allow, for example fuel and tolls, or a single merchant
Manage receipts and invoices digitally
Scan a receipt straight from the app and attach it to the transaction. Nothing travels back to the office in a glovebox, and everything exports to DATEV or the accounting tool you already use.
An account for every purpose with the free plan
Open as many accounts as you need, each with its own IBAN: one for fuel, one for taxes, one for payroll. Moving money between them is instant and free.
Make the money between invoices earn
Choose how to put idle cash to work, from fixed interest to full portfolio control.
Investing always involves risks. Therefore, the value of your investment and the income from it will vary and your initial investment amount cannot be guaranteed.
You may not get back the amount originally invested. You can find more information about the risks of investing in financial instruments here.
Why our customers choose Vivid
100,000+ European businesses spend less on fees, get paid faster, and close the books sooner
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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.
Your money is safe with us
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 built for every business
Monthly
Annual
Save up to 24%
Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync
- Get started
Free Start
Suited for newly registered companies setting up finances and looking to try key banking features for free
0 € / monthFree of charge at all times- Accounts & Interest
- Free accounts with German IBANsUnlimited
- 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 cashback0,1%
- Cashback on selected categories and brands, up to2%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFTNot Available
- Support
- 24/7 human supportYes
- Dedicated customer success teamNo
- Accounts & Interest
- Get started
Basic
Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost
6,9 € / month2 months free trial- Accounts & Interest
- Free accounts with German IBANsUnlimited
- 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 cashback0,2%
- Cashback on selected categories and brands, up to4%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 free per month, then 5 €
- Support
- 24/7 human supportYes
- Dedicated customer success teamNo
- Accounts & Interest
- Get started
Pro
Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync
18,9 € / month2 months free trial- Accounts & Interest
- Free accounts with German IBANsUnlimited
- 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 cashback0,5%
- Cashback on selected categories and brands, up to6%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT10 free per month, then 5 €
- Support
- 24/7 human supportYes
- Dedicated customer success teamYes
- Accounts & Interest
Features you get on every plan
- InvoicingFree
- Document uploads for bookkeeping (on every paid plan)Unlimited
- Integrations (sevDesk, Lexware Office, DATEV, ...)Free
- Business travel cashback up to30%
- Crypto Earn rewards up to8% APY
- Maximum loan amount & repayment term200,000 €,
12 months - Fee for receiving card payments from clients (EEA cards), from0,79% (+0,25 €)
- Business Brokerage (stocks, ETFs, crypto)Free
- Tax filing (for freelancers)Free
- POS terminalFree
- Flat transaction fee (all cards)Up to 1.49%
- Digital employees (personal and legal AI assistants)Free
Frequently asked questions
Can drivers have cards without access to the whole account?
Yes. Issue a card per driver or per vehicle. Each card carries its own limit: per day, per week, per month, or a fixed amount that does not renew. Cash withdrawals carry their own separate limit, and a card can be restricted to the categories you allow, fuel and tolls for example. Dispatch hands out the card, the account stays closed.What do transfers to subcontractor carriers cost?
Nothing inside Europe. Outgoing SEPA Instant transfers are free on every plan, however many go out and however small they are. A week of small payouts on the road costs what a single transfer costs. Beyond Europe the monthly free allowance applies.Can fuel, tolls and payroll be kept apart in one account?
Yes. Open a separate account per purpose, each with its own IBAN, and issue cards on it. Fuel sits in its own account, payroll in another, and moving money between them is instant and free.Does the account export to DATEV?
Yes. Transactions are categorised from the start, and the whole bookkeeping exports as a DATEV-compatible CSV with accounts, VAT rates and booking records. Pick any period and send it straight to the tax adviser. Receipts can also go to DATEV Unternehmen online through the Belegbilderservice, once the adviser has enabled access. The automatic export runs for German companies on a paid plan.What does the plan cost?
Free Start plan has no monthly fee. The paid plans come with a 2-month trial and can be cancelled whenever it suits.How long does it take to open an account?
Opening a business account with Vivid works fully online and takes just a few minutes. Once you're verified, the account is ready for payments right away.
