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Bookkeeping that runs itself

Vivid automatically does bookkeeping for you in real-time. Reconcile the documents and export to DATEV in one click.

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Everything you need to keep your books in order

Vivid handles categorization, documents, and tax exports — so you can focus on your business.

Automatic categorization

Every transaction is assigned to the correct German standard SKR03/SKR04 account (or EÜR category) automatically — including the right VAT rate.

One-click DATEV export for your Steuerberater

Export your entire bookkeeping as DATEV-compatible CSV — with accounts, VAT rates, and booking records. Choose any period and send it directly via email.

All your receipts and invoices, in one place

Upload documents, match them to transactions automatically, and always know which receipts are still missing.

Open a business account

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

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

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
        5 €
    • 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
  • Certified tax adviser (for freelancers)
    99 € per month
    or 990 € per year
  • POS terminal
    Free
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.