Best Business Account 2025
for Company creators

Launch your GmbH or UG in Germany with Vivid. Open your business account online, transfer your share capital, and get up and running within days.

Open a business account

Best Business Account 2025
Finanzfluss.de
Highest Interest Rate for Business 2025
Für-Gründer.de
Top Mobile Banking 2025
Handelsblatt.com
Top German Startups 2024
LinkedIn
Trustpilot: Excellent!

Start your business in 3 easy steps

Open Vivid Business account within 10 minutes

Complete online registration — no in-person steps. Friendly onboarding tailored to your unique situation.

Transfer your share capital

Get a digital statement in 1 hour. Submit to your notary to finalize your setup.

Activate your business account

Open a business account

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

Everything you need – online, paperwork-free

A dedicated account for your share capital
Get a local IBAN in seconds
4% p.a. interest rate on positive balance
Free VISA card for every team member
SWIFT and Instant SEPA transfers
Open a business account

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.

Open a business account

Get up to 10% cashback for every card purchase

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.

Discover cashback

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
(ex-lexoffice)
German software with vast features for accounting, invoicing and payroll
DATEV (transactions)
German software with vast features for accounting, invoicing and payroll
DATEV (documents)
German software with vast features for accounting, invoicing and payroll
sevDesk
Online software with vast features for accounting and invoicing, available in several languages
Оdoo
Odoo is a user-friendly financial management tool that simplifies invoicing, bookkeeping, and reporting for businesses
FastBill
German online-software for accounting, invoicing and financial analysis
easybill
German online-software for invoicing and stock management
Sage
Solutions for invoicing, expense tracking, bank reconciliation, payroll processing, financial reporting, and tax compliance.
BuchhaltungsButler
German online-software for accounting, invoicing and financial analysis
Commitly
German online-software for cashflow planning
Puls Project
German online-software for cashflow planning and management of several bank accounts
GetMyInvoices
German online-software that automatically collects invoices from online portals, inboxes and scans
MoneyMoney
German software designed specifically for macOS to manage and analise several bank accounts
Finanzguru
German application that supports in tracking and analising finances
Addison
Workflow‑oriented accounting and tax management solution with finance, payroll, controlling, invoicing, and document handling.
Agenda
Integrated business software for accounting, payroll, HR, tax calculation, invoicing, and document management
BMD
Integrated business software for accounting, document management, HR, and ERP, with powerful automation and cloud access

Show all integrations

More about integrations

Plans for companies

Monthly

Payment period

Annual

Save up to 24%

Best for growing companies with more activity and advanced needs — built to keep fast teams in sync

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
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  12
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  0,1%
- 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
  Outgoing: 5 free per month, then 0,2 €
- Incoming SWIFT
  Free
- Outgoing SWIFT
  5 €
- Support
- 24/7 human support
  Yes
- Dedicated customer success team
  No
Basic
Ideal for small businesses with steady transactions needing reliable everyday banking at low cost
7 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  15
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  0,5%
- Cards & Cashback
- Guaranteed unlimited cashback
  0,25%
- 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
Best for growing companies with more activity and advanced needs — built to keep fast teams in sync
19 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  20
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  1,3%
- 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
Bookkeeping documents included
(on paid plans)
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
250.000 €,
12 months
Payment processing fee (EEA cards), from
0,79% (+0,25 €)

Compare all features

Rated with the highest score “Sehr gut” by Handelsblatt, Germany’s no.1 business and financial journal

Best Business Account 2025for Company creators

Start your business in 3 easy steps

Open Vivid Business account within 10 minutes

Transfer your share capital

Activate your business account

Everything you need – online, paperwork-free

Superior payment security

2-step authentication

GDPR compliance

Interest account

Earn 4% interest annually

Access to your money any time

We keep your money safe

Get up to 10% cashback for every card purchase

Integrations with accounting software

Lexware Office(ex-lexoffice)

DATEV (transactions)

DATEV (documents)

sevDesk

Оdoo

FastBill

easybill

Sage

BuchhaltungsButler

Commitly

Puls Project

GetMyInvoices

MoneyMoney

Finanzguru

Addison

Agenda

BMD

Plans for companies

Best Business Account 2025
for Company creators

Lexware Office
(ex-lexoffice)