Best Business Account 2024
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

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

  • Best Business Account 2024
    Best Business Account 2024
    BILD.de Best in Test
  • Highest Interest Rate for Business 2024
    Highest Interest Rate for Business 2024
    Für-Gründer.de
  • Top Mobile Banking 2024
    Top Mobile Banking 2024
    Handelsblatt
  • Top German Startups 2024
    Top German Startups 2024
    LinkedIn
  • Trustpilot: Great!

Start your business in 3 easy steps

1

Open Vivid Business account within 10 minutes

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

2

Transfer your share capital

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

3

Activate your business account

Register your company and upload the extract to your Vivid Money account – we handle the rest.

Everything you need – online, paperwork-free

Person writing
  • A dedicated account for your share capital

  • Get a local IBAN in seconds

  • 5% p.a. interest rate on positive balance

  • Free VISA card for every team member

  • SWIFT and Instant SEPA transfers

  • Open a business account
PCI DSS

PCI DSS

We comply with the Payment Card Industry Data Security Standards to protect your payment information.

3D Secure

3D Secure

We use two-step authentication for every online purchase, ensuring no payment is processed without your authorisation.

GDPR

GDPR

Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.

Interest account

your interest rate

Earn 5% interest annually

Keep your uninvested cash in your Interest Account and earn 5% per year for the first 2 months. When the promo period is over, you earn up to 3.5%*. The interest rates will change starting January 2, 2025. Learn more.

Instant access to your money

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.

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. Receive up to €150 cashback/month on card purchases for the selected categories.

payment
  • All purchases, up to 2%

    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.

  • DATEV

    DATEV

    Specialized software for accountants, tax advisors, and lawyers in Germany.

  • sevDesk

    sevDesk

    Online invoicing and accounting software for small businesses and freelancers.

  • Commitly

    Commitly

    Cash flow management software for businesses.

  • Puls Project

    Puls Project

    Cashflow management and funding software for small and medium businesses.

Plans for companies

The chosen rate applies once your company has been registered
MonthlyAnnual save up to 24%
free start
0
Free of charge at all times
basic
7
monthly, excl VAT
2 months free trial
pro
19
monthly, excl VAT
2 months free trial
enterprise
79
monthly, excl VAT
2 months free trial
enterprise+
249
monthly, excl VAT
Free of charge at all timesmonthly, excl VAT
2 months free trial
monthly, excl VAT
2 months free trial
monthly, excl VAT
2 months free trial
monthly, excl VAT
Interest account rate*
5%
5%
5%
5%
5%
The promotional rate will be applied to all plans for the first 2 months after opening the Interest Account, if you open the Account starting from the 6th of May. The interest rates will change starting January 2, 2025. Learn more
1%
2%
3%
3.5%
3.5%
Cashback up to
1%
1%
2%
4%
5%
Virtual cards
Free
Free
Free
Free
Free
Plastic cards
Free
Free
Free
Free
Free
Metal cards
€19.90
€19.90
€19.90
€19.90
€19.90
Card payments limit for Ads & IT servicesPayments for Google Ads, Facebook Ads, AWS, Google Cloud, Azure, and others
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Card payments limitPer month, excluding Ads, Cloud, and some other payments
€ 100 000
€ 100 000
€ 100 000
€ 100 000
€ 200 000
24/7 human supportWithin minutes via chat and email
Yes
Yes
Yes
Yes
Yes
Dedicated teamYour own success management team, available 24/7 - via chat, email, phone and WhatsApp
No
No
Yes
Yes
Yes
Included team members
1
3
10
30
50
Included accounts
1
3
10
30
50
Free outgoing SEPA transfersPer month
5
100
250
1000
1000
Fee for incoming international transfersother than SEPA per transfer * This offer is valid until January 31st
Free€5
Free€5
Free€5
Free€5
Free€5
Fee for outgoing international transfers (SHA)other than SEPA per transfer SHA option
€5
€5
€5
€5
€5
Fee for outgoing international transfers (OUR)other than SEPA per transfer incl. external bank handling fees
€30
€30
€30
€30
€30
Transfer to Vivid Business customers
Free
Free
Free
Free
Free
Transfer between own accounts
Free
Free
Free
Free
Free
Fee for bulk transfersPer each bulk transfer. * This offer is valid until November 30th.
€0€3
€0
€0
€0
€0
Fee for outgoing transfers above your free limit
€0.2
€0.2
€0.2
€0.2
€0.2
Fee for ATM withdrawals
2%
1%
1%
1%
1%
Currency exchange feeMarkup over the exchange rate for the execution of non-EUR card transactions
2%
1%
1%
1%
1%

AWARD-WINNING MOBILE BANKING 2024

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

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