What is a virtual company card and how does it work?

A virtual company card isn't shipped — it's created digitally and ready for online payments straight away. Once added to a wallet (like Apple Pay or Google Pay), it also works for in-store payments. The virtual company card can be set up with custom limits and access rights, and frozen at any time.

What are the benefits of a virtual company card?

One advantage of the virtual card for business accounts is that it can be replaced anytime via the mobile app or desktop in a few clicks — unlike a purely physical card, where you have to wait for delivery.With as many individual IBANs as you need, you can clearly separate budgets for any kind of business expense — subscriptions, travel costs, software. The virtual company card can be added to digital wallets and used with your phone or smartwatch — no overflowing wallet of physical cards.Unlike a metal card, the Vivid Business virtual company card lets you choose a colour or custom design.

Are there extra costs for virtual company cards?

No, virtual company cards usually don't cost more than physical ones. The opposite, in fact — many providers charge for delivery from the very first physical card.

Is a virtual company card limited in any way?

Yes and no. In many areas — like setting specific card limits or replacing a lost card — you stay more flexible with a virtual company card than a physical one. It also doesn't have to be assigned to a specific cardholder.In-store payments with a virtual card may be limited if the card reader or ATM doesn't support contactless payments, or if your phone has no internet connection or runs out of battery.

How do I apply for a virtual company card?

Getting a virtual company card takes three simple steps:Find a business account provider that lets customers issue virtual cards themselves.Register and verify your identity to activate the account.Find the section in the mobile app or desktop portal where you can issue the card.Optional: top up the linked IBAN with funds and try out the new company card on a first payment.

What spending limits and controls do virtual cards offer?

You can set individual limits on company cards — depending on the provider, daily, weekly, monthly or even per merchant. For specific categories you can use high limits, or remove limits entirely (as with Vivid Business for Google Ads and AWS). Some providers let you assign access rights to team members. With Vivid Business, for example, you can assign roles like „Owner“, „Assistant“, „Admin“ and „Employee“ — each with different levels of insight and access to the business account.

Can virtual company cards be assigned to specific team members or projects?

Yes. With Vivid Business, every company card can be assigned to the company or to individual team members. We're one of the few providers offering unlimited IBANs, so you can set up sub-accounts for any project budget or saving goal and manage them as a team or on your own.

How secure are digital company cards?

Payments with Vivid company cards meet strict international security standards. Data is transmitted with encryption and two-factor authentication. The card number isn't printed on physical Vivid cards either, which reduces the risk if a card is lost or stolen. Setting limits, access rights or quickly freezing a card in an emergency adds another layer of protection.

Virtual company card

Issue company cards online with one click, hand out free Visa cards to team members, and set spending limits per category or merchant. Once added to your digital wallet, they're ready to use.

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Modern banking, made simple

Manage cards effortlessly

Set daily, weekly or monthly limits, and choose exactly which spending categories or merchants are allowed. Freeze or reissue virtual company cards anytime, straight from the app.

Allocate budgets clearly

From travel expenses to fuel or advertising — virtual company cards are free and, thanks to individual IBANs, can be used for any project budget.

Cashback that's actually worth it

Issue company cards for team members and bring monthly costs down with up to 10% cashback. On top of that, every team card payment earns up to 1% guaranteed unlimited cashback.

Instant cashback

Metal card •1337

All card payments up to 1%
Guaranteed, unlimited cashback
€124,16
− €12.416,32
Growth
Advertising costs
€49,98
− €980,00
Main account
Gas stations
€3,54
− €118,21
Main account
Meals
€14,80
− €740,00

Virtual company cards for every kind of business

Growing teams

Create a virtual company card for each team member and adjust limits flexibly. Track every transaction in real time in one place and sync with your bookkeeping system whenever needed.

Marketing agencies

Issue separate virtual company cards per ad account in a few clicks and spend with no limit at all on select merchants like Google Ads and AWS. Pay for software and subscriptions without delay, so no campaign waits.

Travel agencies

Use Visa Business cards for international payments, whether for tickets or business trips. With up to 10% cashback and fair exchange rates, expenses stay under control.

Flexible and secure card payments

Pay online and in store

Online payments work with the virtual company card right away. Add it to Google Pay or Apple Pay and you can pay in store with your phone or smartwatch.

High spending limits, top-tier security

Use the virtual company card with high spending limits — and with select merchants like AWS or Google Ads, no limit at all. Two-factor authentication blocks unauthorised payments. End-to-end encryption and real-time notifications add another layer of safety.

Insights at your fingertips

Track every transaction in real time from the desktop web app or the mobile app. Automatic spend categorisation and custom statements give you the full picture.

How do I get a virtual company card?

Open a business account

Issue your card

Create as many virtual company cards with individual IBANs as you need. Choose limits, access rights and design.

Pay & save

Earn up to 1% cashback on every virtual company card payment — and up to 10% in your monthly chosen categories.

Open a business account

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

Company cards that fit your needs

Bookkeeping built in from day one

Card payments are categorised automatically, and receipts can be attached in seconds. That cuts down on tax preparation and makes syncing with bookkeeping tools a breeze.

Cards for everyone — at no extra cost

Let team members pick a colour or custom design for their virtual company card. Visa cards are free, so you can issue as many as your team needs.

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5.0

Recommended for freelancers and business owners

So far my experience with Vivid has been great. From the customer service, the account opening, and the digital experience, I haven't had any issues with Vivid. I can only recommend it!

Erick Daniel, Germany

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5.0

I chose Vivid.Money

I chose Vivid.Money because it allows me to manage accounts for all my businesses in one place. Compared to other online banking systems I’ve tried, it offers the best value for money. For one of my businesses, I upgraded to the Pro account—it gives me access to real human support and the highest interest rates I’ve seen on the market. While their regular customer service is already solid, having the option to speak directly with someone was essential for me to build trust. Beyond the practical benefits, I genuinely appreciate how Vivid.Money supports my financial awareness. It’s a service I enjoy using and one that makes me more financially conscious day by day.

Lorand Balazs Imre, Germany

Trustpilot

4.0

Super quick Business account creation

I’d give 4.5 stars as my experience with Vivid has been great, but there is always room for improvement. Especially setting up the business account was so easy and fast, this really struck me. The new feature with E-invoicing is also quite useful but needs some more work with additional fields (e.g. my own tax ID). Looking forward trying more the cashback programs.

Eric, Germany

Trustpilot

5.0

I really love Vivid Bank

I really love Vivid Bank. Really easy to sign up. I love the fact I can have different space with different account numbers where I can transfer money to. The business account has a great interest rate and most important, the costumer support is excellent, something rare these days. Kudos to you and keep up with the good work!

Shaqueera Grey, Spain

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5.0

Very fast and good

Very fast approval, IBAN with connection to DATEV Unternehmen Online and VISA card within 2 days. Works perferct

Mark, Germany

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5.0

Best business banking platform in Europe

The experience with vivid is super smooth and the terms are great!

Marcel, Germany

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FAQs about the company card

What is a virtual company card and how does it work?
A virtual company card isn't shipped — it's created digitally and ready for online payments straight away. Once added to a wallet (like Apple Pay or Google Pay), it also works for in-store payments. The virtual company card can be set up with custom limits and access rights, and frozen at any time.
What are the benefits of a virtual company card?
One advantage of the virtual card for business accounts is that it can be replaced anytime via the mobile app or desktop in a few clicks — unlike a purely physical card, where you have to wait for delivery.
With as many individual IBANs as you need, you can clearly separate budgets for any kind of business expense — subscriptions, travel costs, software. The virtual company card can be added to digital wallets and used with your phone or smartwatch — no overflowing wallet of physical cards.
Unlike a metal card, the Vivid Business virtual company card lets you choose a colour or custom design.
Are there extra costs for virtual company cards?
No, virtual company cards usually don't cost more than physical ones. The opposite, in fact — many providers charge for delivery from the very first physical card.
Is a virtual company card limited in any way?
Yes and no. In many areas — like setting specific card limits or replacing a lost card — you stay more flexible with a virtual company card than a physical one. It also doesn't have to be assigned to a specific cardholder.
In-store payments with a virtual card may be limited if the card reader or ATM doesn't support contactless payments, or if your phone has no internet connection or runs out of battery.
How do I apply for a virtual company card?
Getting a virtual company card takes three simple steps:
Find a business account provider that lets customers issue virtual cards themselves.
Register and verify your identity to activate the account.
Find the section in the mobile app or desktop portal where you can issue the card.
Optional: top up the linked IBAN with funds and try out the new company card on a first payment.
What spending limits and controls do virtual cards offer?
You can set individual limits on company cards — depending on the provider, daily, weekly, monthly or even per merchant. For specific categories you can use high limits, or remove limits entirely (as with Vivid Business for Google Ads and AWS). Some providers let you assign access rights to team members. With Vivid Business, for example, you can assign roles like „Owner“, „Assistant“, „Admin“ and „Employee“ — each with different levels of insight and access to the business account.
Can virtual company cards be assigned to specific team members or projects?
Yes. With Vivid Business, every company card can be assigned to the company or to individual team members. We're one of the few providers offering unlimited IBANs, so you can set up sub-accounts for any project budget or saving goal and manage them as a team or on your own.
How secure are digital company cards?
Payments with Vivid company cards meet strict international security standards. Data is transmitted with encryption and two-factor authentication. The card number isn't printed on physical Vivid cards either, which reduces the risk if a card is lost or stolen. Setting limits, access rights or quickly freezing a card in an emergency adds another layer of protection.