Best Visa Business Cards 2025
- Unlimited free physical and virtual cards with up to 10% cashback
- Free card delivery for every employee
- Up to €200 000 card spending limit
- Manage, analyse spending and set limits on your cards in a few taps
Best Business Account 2025Finanzfluss.de
Highest Interest Rate for Business 2025Für-Gründer.de
Top Mobile Banking 2025Handelsblatt.com
Top German Startups 2024LinkedIn- Trustpilot: Excellent!
Mobile and web apps
Use our mobile or web app to easily issue cards, track transactions, and manage all your business finances from any device.
Easy card management
Assign roles, manage spending limits, and automate receipt reminders to streamline your team’s operations.
Premium metal and secure virtual cards
Impress with metal cards and protect your online transactions with virtual cards. Use Apple or Google pay with any Vivid card.
Up to 10% cashback on purchases
Issue a free card for every team member. Pick your favourite cashback categories for the upcoming month.
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.
Superior payment security
We comply with the Payment Card Industry Data Security Standards to protect your payment information.
2-step authentication
With 3D Secure and two-step authentication we ensure no payment is made without your authorisation.
GDPR compliance
Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.
Interest account
Earn 4% interest annually
Keep your uninvested cash in your Interest Account and earn 4% per year for the first 4 months. When the promo period is over, you earn up to 2%*.
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.
Connected platforms
Lexware Office(ex-lexoffice)
German software with vast features for accounting, invoicing and payroll
DATEV (transactions)
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DATEV (documents)
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sevDesk
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Оdoo
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Sage
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Plans
Best for growing companies with more activity and advanced needs — built to keep fast teams in sync
- Get started
Free Start
Perfect for newly registered companies setting up finances and trying key banking features for free
0 € / month
Free of charge at all times- Accounts & Interest
- Free accounts with unique IBANs12
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*0,1%
- 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 InstantOutgoing: 5 free per month, then 0,2 €
- Incoming SWIFTFree
- Outgoing SWIFT5 €
- Support
- 24/7 human supportYes
- Dedicated customer success teamNo
- Get started
Basic
Ideal for small businesses with steady transactions needing reliable everyday banking at low cost
7 € / monthexcl. VAT
2 months free trial- Accounts & Interest
- Free accounts with unique IBANs15
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*0,5%
- Cards & Cashback
- Guaranteed unlimited cashback0,25%
- 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
- Get started
Pro
Best for growing companies with more activity and advanced needs — built to keep fast teams in sync
19 € / monthexcl. VAT
2 months free trial- Accounts & Interest
- Free accounts with unique IBANs20
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*1,3%
- 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
- InvoicingFree
- Documents to be attached 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 term250.000 €,
12 months - Fee for receiving card payments from clients (EEA cards), from0,79% (+0,25 €)