Bookkeeping that runs itself
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Für Gründer
Everything you need to keep your books in order
Vivid handles categorization, documents, and tax exports — so you can focus on your business.
One-click DATEV export for your Steuerberater
All your receipts and invoices, in one place
Open a business account
All-in-one financial management
Forget about costly subscriptions. Get all the tools your business needs in one place — no extra cost, no hassle.
Plans built for every business
Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync
- Get started
Free Start
Suited for newly registered companies setting up finances and looking to try key banking features for free
0 € / monthFree of charge at all times- Accounts & Interest
- Free accounts with German IBANsUnlimited
- 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 cashback0,1%
- Cashback on selected categories and brands, up to2%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 €
- Support
- 24/7 human supportYes
- Dedicated customer success teamNo
- Accounts & Interest
- Get started
Basic
Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost
6,9 € / month2 months free trial- Accounts & Interest
- Free accounts with German IBANsUnlimited
- 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 cashback0,2%
- Cashback on selected categories and brands, up to4%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 free per month, then 5 €
- Support
- 24/7 human supportYes
- Dedicated customer success teamNo
- Accounts & Interest
- Get started
Pro
Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync
18,9 € / month2 months free trial- Accounts & Interest
- Free accounts with German IBANsUnlimited
- 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 cashback0,5%
- Cashback on selected categories and brands, up to6%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT10 free per month, then 5 €
- Support
- 24/7 human supportYes
- Dedicated customer success teamYes
- Accounts & Interest
- InvoicingFree
- Document uploads for bookkeeping (on every paid plan)Unlimited
- Integrations (sevDesk, Lexware Office, DATEV, ...)Free
- Business travel cashback up to30%
- Crypto Earn rewards up to8% APY
- Maximum loan amount & repayment term200,000 €,
12 months - Fee for receiving card payments from clients (EEA cards), from0,79% (+0,25 €)
- Business Brokerage (stocks, ETFs, crypto)Free
- Tax filing (for freelancers)Free
- Certified tax adviser (for freelancers)99 € per month
or 990 € per year - POS terminalFree
- Flat transaction fee (all cards)Up to 1.49%
- Digital employees (personal and legal AI assistants)Free
Got more questions about bookkeeping?
Do I still need other accounting software?
For most freelancers and small companies (UG, GmbH), Vivid Bookkeeping covers everything you need — especially if you work with a tax advisor. Some larger or more complex businesses may require features that are not yet available in Vivid Bookkeeping, such as inventory management.Who is this bookkeeping tool for?
Vivid Bookkeeping is built for freelancers (Freiberufler), sole proprietors (Einzelunternehmer), and companies (GmbH, UG) in Germany. Whether you file an EÜR or a full balance sheet, Vivid adapts the categorization to your business type — no accounting background needed.How does automatic categorization work?
Every transaction is automatically assigned to a bookkeeping category. Companies get SKR03/SKR04 account numbers; freelancers and sole proprietors get EÜR-based categories like 'Office rent' or 'Travel expenses.' The correct VAT rate (19%, 7%, or 0%) is applied automatically. You can change any category at any time.What are SKR03 and SKR04?
SKR03 and SKR04 are the standard German charts of accounts (Standardkontenrahmen) used by most companies and tax advisors. They define how transactions are categorized for tax reporting. If you're a freelancer filing an EÜR, you don't need to worry about SKR — Vivid uses simplified categories instead.Can I customize how transactions are categorized?
Yes. You can override any automatic category, or create rules for recurring transactions. For example, you can set a rule so that every payment to 'ChatGPT' is always booked to 'Software/SaaS subscriptions.' Rules apply to past and future transactions automatically.What is the DATEV export?
DATEV is the standard format German tax advisors use to receive bookkeeping data. Vivid lets you export all categorized transactions — with account numbers, VAT rates, and booking records — as a DATEV-compatible CSV. Choose any period, enter your advisor's DATEV number once, and send the export via email or download it. Vivid also supports document integration with DATEV Unternehmen Online.How do I get started with bookkeeping?
Open a Vivid Business account and go to the Bookkeeping section. Your transactions are categorized automatically from the start. Upload your receipts, review the categories, and export to DATEV whenever you're ready.How much does bookkeeping cost?
Bookkeeping is included in paid Vivid Business plans at no extra cost. The free plan offers up to 25 document uploads; paid plans have no limit.How secure is my financial data?
Vivid Money applies banking-grade security protocols and complies with the Payment Card Industry Data Security Standards. With 3D Secure and two-step authentication, no payment is made without your authorisation. Our servers are hosted in the European Union, ensuring full GDPR compliance.







