Webinar 17 September · Approval rulesWebinar · 17 September: approval rules — who signs off on payments.Register now

Modern financial tool for electrical and solar panel installers

Free cards for every installation crew, unlimited free transfers to suppliers, and interest on free cash while the job is still running.

Trustpilot: Excellent! | 30,000+ reviews

Modern financial tool for electrical and solar panel installers
  • Award: Top Mobile Banking 2026

    Top Mobile Banking 2026

    Handelsblatt

  • Award: Industry Leader 2026

    Industry Leader 2026

    F.A.Z. Institut

  • Award: Best SME Service Provider 2026

    Best SME Service Provider 2026

    WirtschaftsWoche

  • Award: German Service Award 2026

    German Service Award 2026

    DISQ Institut

  • Award: Best Business Account 2026

    Best Business Account 2026

    Für Gründer

Everything an installation job touches, in one account

Global payments

Pay suppliers here and abroad

Euro payments inside Europe are free, with no limit on how many you make. For material that comes from further away, pay in 30+ currencies across 140+ countries, with the exact amount and every fee shown before you send.
  • Card payment
    All card payments up to 1%
    Guaranteed, unlimited cashback
    €124,16
    − €12.416,32
  • Hornbach
    Hornbach up to 1%
    Building materials
    €1,45
    − €145,00
  • Bauhaus
    Bauhaus up to 1%
    Building materials
    €0,98
    − €98,00
  • OBI
    OBI up to 1%
    Building materials
    €0,76
    − €76,00
  • Shell
    Shell up to 4%
    Fuel
    €2,20
    − €55,00

Earn cashback on every purchase your installers make

Give every installer their own card with a spending limit you control. Earn cashback on the purchases they already make: from materials and tools to fuel.
  • Up to 1% cashback on everyday purchases, with no cap: at Hornbach, Bauhaus, OBI and others
  • Up to 4% cashback on fuel at Shell, depending on the plan. Selected categories carry a monthly maximum.

Manage receipts and invoices digitally

Crews scan receipts straight from the app and attach each one to its card transaction. You always know which receipts are still missing, and everything exports to DATEV or the accounting tool you already use.

Make your funds work while the job runs

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

See all stories

Open a business account

Country
Business type
Legal entity type
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

safety.title

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

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.

Deposit protection

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

  • 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

Frequently asked questions

  • Do I pay extra for adding installers as users?

    No. Team members come without a number limit, and an extra one carries no monthly fee. Each of them gets their own card and their own limit, and you see who spent what without asking anyone.
  • Yes. Every installer gets their own card with its own monthly limit, and a card shows only its own spending. A card can also be restricted to chosen merchant categories or to selected merchants. One card then clears the wholesaler and the petrol station, and nothing else. Any card can be locked and unlocked at any time.
  • Nothing inside Europe. Outgoing SEPA Instant transfers are free on every plan, however many go out and however small they are. Beyond Europe you pay in 30+ currencies across 140+ countries, with the exact amount and every fee shown before you send.
  • Yes. Cashback on all purchases has no monthly ceiling, so it keeps paying across the whole month, however many runs to the wholesaler it takes. The rate itself depends on the plan. Selected categories, fuel among them, pay a higher rate and those categories do carry a monthly maximum.
  • Free Start plan has no monthly fee. The paid plans come with a 2-month trial and can be cancelled whenever it suits.
  • 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.

Built for every industry