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.

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
Trustpilot: Excellent!

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

Lexware Office (ex-lexoffice) (transactions)
German software with vast features for accounting, invoicing and payroll
Lexware Office (ex-lexoffice) (documents)
German software with vast features for accounting, invoicing and payroll
DATEV (transactions)
German software with vast features for accounting, invoicing and payroll
DATEV (documents)
German software with vast features for accounting, invoicing and payroll
DATEV Buchungsdatenservice
DATEV service for transferring booking data to tax advisors and accounting systems.
sevDesk
Online software with vast features for accounting and invoicing, available in several languages
Odoo
Odoo is a user-friendly financial management tool that simplifies invoicing, bookkeeping, and reporting for businesses
Sorted
Digital platform for streamlined document organization, workflow automation, and tax-related file management.
Sage
Solutions for invoicing, expense tracking, bank reconciliation, payroll processing, financial reporting, and tax compliance.
BuchhaltungsButler
German online-software for accounting, invoicing and financial analysis
Pennylane
Real-time accounting and cash flow platform that connects bank accounts, invoices, and accountants for transparent financial management.
FastBill
German online-software for accounting, invoicing and financial analysis
easybill
German online-software for invoicing and stock management
Puls Project
German online-software for cashflow planning and management of several bank accounts
Agicap
Cloud-based cash flow management tool for budgeting, forecasting, and liquidity control, helping SMBs improve financial visibility and planning
Agenda
Integrated business software for accounting, payroll, HR, tax calculation, invoicing, and document management
Addison
Workflow‑oriented accounting and tax management solution with finance, payroll, controlling, invoicing, and document handling.
Commitly
German online-software for cashflow planning
GetMyInvoices
German online-software that automatically collects invoices from online portals, inboxes and scans
Wiso Steuer
Tax software for quick filing, accurate income reporting, smart optimization, and secure document submission.
Finanzguru
German application that supports in tracking and analising finances
BMD
Integrated business software for accounting, document management, HR, and ERP, with powerful automation and cloud access
MoneyMoney
German software designed specifically for macOS to manage and analise several bank accounts
Norman
AI accounting and tax filing for freelancers and companies.