Compare business accounts online

How does a Vivid business account for GmbH/UG differ from Finom and Qonto? Find out in this overview! Data is current as of July 31st, 2025

Open a business account

Finom

€7 - €249 per month

Qonto

€9 - €199 per month

Vivid

€0 - €249 per month

Open account

Fixed interest rate

Not available

Promotional rate 4% for first 4 months. After up to 2%

Variable rate (Model Portfolios)

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

Free

150 - 1000

Free

Incoming international transfers

€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 - 24

Unlimited

Account currencies

EUR

20+ currencies, 0% conversion fee

Included team members

1 - 50

Unlimited

Monthly fee per extra team member

€2 - €15

Free

Card spending limit

€50.000 - €200.000

€20.000 - €200.000

€200.000 - Unlimited

Virtual cards

Free

Up to 50 free cards

Free

Physical cards

Free

Up to 30 free cards

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

Free business account
with unlimited sub-accounts with IBANs

Start using your account from your desktop in 3 easy steps

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

Fully online

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

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

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

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Interest account

Earn 5% interest annually

Get 5% p.a. fixed for 5 months* in USD & GBP or 4% p.a. fixed for 4 months* in EUR.

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.

Open a business account

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.

CompaniesFreelancers

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.