Compare business accounts online

How does a Vivid business account differ from Finom and Qonto? Find out in this overview! Data is current as of May 2025
Open a business account
devices
Finom
€9 - €339 per month
Qonto
€59 - €249 per month
Vivid
€0 - €249 per month
Open account
Fixed interest rate
Not available
Not available
Promotional rate 4% for the first month. Then 3% for the second month, after up to 2%
Variable rate (Interest Strategies)
Not available
Not available
Up to 5%
Cashback
Up to 3%
No cashback
Up to 10% on selected categories and brands
Up to 30% for Business travels
Free instant SEPA transfers/month
Not available, €1 - €5 per transfer
150 - 1000
Free
Incoming international transfers
€5 per transfer
€5 per transfer
Free
Outgoing international transfers
€5 + 0,3%-0,9% per transfer
0,56% per transfer
€5 per transfer
Included accounts with unique DE IBAN
1
1 - 24
1 - 50
Account currencies
EUR
EUR
20+ currencies, 0% conversion fee
Included team members
1 - 50
Unlimited
1 - 100
Monthly fee per extra team member
€2 - €15
Free
€1 - €3
Card spending limit
€50.000 - €200.000
€20.000 - €200.000
€200.000 - Unlimited
Virtual cards
Free
Free issue. Up to 50 free payments/month, after €1 per transaction
Free
Physical cards
Free
€2 - €30
Free
Metal cards
Not available
€20 per card
€19,90 per card
Fee for ATM withdrawals
0% - 8%
€0 - €2 per transaction
1% - 2% per transaction
Personal account
Not available
Not available
+

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.

Get started
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
  • 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!

Interest account

your interest rate

Earn 4% interest annually

Keep your uninvested cash in your Interest Account and earn a 4% fixed annual interest rate in the first month and a 3% fixed annual interest rate in the second month. 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.

Investing always involves risks and your initial investment amount cannot be guaranteed. You can find more information about Money Market Funds and the risks of investing in financial instruments 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

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