Best Business Account 2024: Instant IBAN without SCHUFA
- Instant free business account, without SCHUFA query
- 5% interest rate on positive balance
- Up to 10% cashback on purchases
- Up to €200 000 card spending limit
- Personal customer support 24/7
Best Business Account 2024BILD.de Best in Test
Highest Interest Rate for Business 2024Für-Gründer.de
Top Mobile Banking 2024Handelsblatt
Top German Startups 2024LinkedIn- Trustpilot: Great!
Free metal card with up to 10% cashback on your purchases
Issue a free card for every team member. Pick your favourite cashback categories for the upcoming month. Receive up to €150 cashback/month on card purchases for the selected categories.
All purchases, up to 2% 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.
All-in-One Business Account
Keep your uninvested cash in your Interest Account and earn 5% per year for the first 2 months. When the promo period is over, you earn up to 3.5%*. The interest rates will change starting January 2, 2025. Learn more.
Top-up and withdraw your funds any day, any time. Money is immediately available upon withdrawal to your Business account.
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.
Main account
€134,000.00
🇩🇪 IBAN • 4565
Employees
€4,906.00
🇩🇪 IBAN • 1337
Taxes, Employee benefits, Payroll
€11,700.00
🇩🇪 IBAN • 1620
Savings
€1890.00
🇩🇪 IBAN • 1890
Free account with up to 30 DE IBANs
Full online registration—no in-person step. Friendly onboarding: everyone’s situation is unique and we consider each case individually.
Instant SEPA transfers
Get and send transfers in a few seconds with SEPA Instant. Accept funds internationally with SWIFT transfers.
Free physical and virtual cards
Free delivery of the first physical card for each member of your company. High spending limits on each card to match your needs.
Team access with personalized permissions
Assign Admin roles to employees for full access to the account, and Assistant roles to external accountants and employees for limited access.
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
Accounting solution designed for business owners with no prior accounting expertise.
DATEV
Specialized software for accountants, tax advisors, and lawyers in Germany.
sevDesk
Online invoicing and accounting software for small businesses and freelancers.
Commitly
Cash flow management software for businesses.
Puls Project
Cashflow management and funding software for small and medium businesses.
Mobile app
Organise your budget and payments by opening multiple accounts with separate IBANs. Send money in a few taps. Issue, customise, freeze and manage your virtual and physical cards in your app.
Web app—for business accounts
Oversee your personal and business accounts in the same mobile app—switch between them seamlessly. Use our web app to conveniently manage your business account from your computer.
Open a business accountOrganise your budget and payments by opening multiple accounts with separate IBANs. Send money in a few taps. Issue, customise, freeze and manage your virtual and physical cards in your app.
Get the app
PCI DSS
We comply with the Payment Card Industry Data Security Standards to protect your payment information.
3D Secure
We use two-step authentication for every online purchase, ensuring no payment is processed without your authorisation.
GDPR
Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.
The interest rates will change starting January 2, 2025. Learn more