What are the benefits of a free business account?

A free business account on the Standard plan saves you ongoing account fees and bundles payments, cards and bookkeeping digitally in one place. You manage income and expenses clearly in the app and keep cash flow and budgets in view at all times.

Do I need a business account as a self-employed person?

In Germany, a separate account is only legally required for corporations like a GmbH or UG. Self-employed people and freelancers may use a personal account, but risk problems with bookkeeping, tax returns and their bank. A dedicated business account keeps business and private payments cleanly apart.

How can I open a free company account online?

Apply directly on the Vivid website or in the app. Then complete the digital identity check and activate your card. If you want to open a free online business account, have a valid ID and your company details ready — the whole process takes a few minutes.

Should the business account be in my name or the company name?

That depends on your legal form. Self-employed people and sole proprietors open the account in their own name, since legally there is no separate company. For corporations like a GmbH, UG or AG, the account must be in the company name.

Can I use a personal account for business?

Technically it's possible, but many banks prohibit business use of a personal current account in their terms. Mixing private and business transactions also complicates your tax return and can lead to queries from the tax office. A dedicated business account keeps finances cleanly separated.

Can I have a personal and a business account at the same time?

Yes — in Germany that's common and recommended. With a separate business account, you keep business income and expenses clearly apart from private payments. Bookkeeping, tax returns and reporting become much easier — without tedious filtering through statements.

Can I move my existing business account to another bank?

Yes, switching is possible at any time. Open the new account first, move standing orders, direct debits and business partner details across, and close the old account once the migration is complete. Plan a transition period of four to eight weeks so incoming payments reliably reach the new account.

Which costs can still arise with a free business account?

Even with a free company account, individual services can carry fees — for example additional cards, cash withdrawals above certain allowances or premium features from higher plans. All conditions are transparently visible and clearly shown before every transaction.

Is a free business account suitable for small businesses?

Yes — a free account on the Standard plan is a great fit for small businesses with manageable payment volumes. You get a German IBAN, a business card and tools for bookkeeping and cash flow — with no monthly base fee and no long-term commitment.

Who is a free online business account for?

A free online business account suits freelancers, solo self-employed people, small business owners, founders and start-ups in formation with moderate transaction volumes. If you need higher payment volumes, more sub-accounts or premium features like the interest account and cashback, you can switch to a higher plan at any time.

Open a free business account

Open a business account for free — fully online, in minutes, with no monthly base fee on the Standard plan. The digital company account is built for self-employed people, freelancers and small businesses who want to manage income, expenses and payments in one place. Smart tools for bookkeeping, cards and cash flow save time every day and keep finances, budgets and receipts in clear view.

Open a business account

Top Mobile Banking 2026
Handelsblatt
Industry Leader 2026
F.A.Z. Institut
Best SME Service Provider 2026
WirtschaftsWoche
German Service Award 2026
DISQ Institut
Best Business Account 2026
Für Gründer

Your benefits with our free business account

Fast online account opening
Apply for a free business account online in just a few minutes — no paperwork, no branch appointment. After verification, you activate the account right in the app and use it immediately for payments and transfers.
Transparent pricing with no hidden fees
Keep costs and services in view at all times. There's no monthly base fee on the Standard plan, and all conditions are visible upfront. Spending and payment flows stay clear and traceable.
Keep business and personal finances separate
A free company account keeps business and private payments cleanly apart. That simplifies bookkeeping and tax returns — and gives you a clear view of income, expenses and open receipts.
Smart tools for your business day-to-day
Payments, cards and expenses come together in one app. Cash flow and bookkeeping overviews handle recurring tasks automatically — and bring clarity to open items, budgets and costs.

What our free business account can do

Transfers and payments

Send and receive SEPA transfers quickly and reliably. A free business account bundles expenses, invoices and transactions in one place. Real-time notifications keep you informed about every booking, so cash flow, open items and budgets stay clear at all times.

Company cards for the team

Use Visa Business cards for purchases, subscriptions or running costs. Assign cards flexibly to team members, set limits and track all payments right in the app. Cards, spending and budgets stay organised in one place — even with several people on the account.

Sub-accounts and budgeting

Create sub-accounts with their own IBANs for taxes, reserves or projects. With a free online business account, you organise budgets clearly and keep reserves, tax payments and running costs neatly apart. You gain control over every spending category.

Bookkeeping and integrations

Connect the business account directly to bookkeeping solutions like Lexware Office or DATEV. Transactions sync automatically, and receipts are captured and filed digitally. You save time on month-end closing, VAT returns and your tax declaration — with all data in one place.

Open a free company account in 3 steps

Apply online

Start your application directly on the Vivid website or in the app. Enter your company details, pick the plan that fits and submit in just a few minutes — no paper forms, no branch appointment.

Verify your identity

Complete the identity check digitally via VideoIdent or a comparable method. Have a valid ID ready — verification takes only a few minutes and completes right after the check.

Start using your account

With Vivid, opening a company account is free and fully digital. Once verified, you can receive payments, make SEPA transfers and activate your card immediately. Set up your first sub-accounts right in the app.

Open a free 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.

Your security is in good hands

Safely stored

Your funds are placed in assets like deposits with the Central Bank of Luxembourg and high-quality Qualifying Money Market Funds (QMMFs), managed by BlackRock and others. Unlike traditional banks, we don’t use client funds for risky loans.

Overseen by European financial authorities

All our services are provided by the Vivid Money group: Vivid Money SA is regulated by the Commission de Surveillance du Secteur Financier (CSSF) of Luxembourg and Vivid Money B.V. is regulated by the Dutch Authority for Financial Markets (AFM).

Secured against our insolvency

Your funds are kept separate from our own. In the unlikely event of Vivid Money SA or Vivid Money B.V. becoming insolvent, our customers' money remains safe — even beyond €100,000. The funds in your account are yours, and yours alone.

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.

Plans

Monthly

Payment period

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
POS terminal
Free
Flat transaction fee (all cards)
Up to 1.49%
Digital employees (personal and legal AI assistants)
Free

Compare all features

Here's why customers love us

Excellent! | 26,000+ reviews

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

Trustpilot

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

Trustpilot

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

Trustpilot

5.0

Best business banking platform in Europe

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

Marcel, Germany

Trustpilot

Frequently asked questions

What are the benefits of a free business account?
A free business account on the Standard plan saves you ongoing account fees and bundles payments, cards and bookkeeping digitally in one place. You manage income and expenses clearly in the app and keep cash flow and budgets in view at all times.
Do I need a business account as a self-employed person?
In Germany, a separate account is only legally required for corporations like a GmbH or UG. Self-employed people and freelancers may use a personal account, but risk problems with bookkeeping, tax returns and their bank. A dedicated business account keeps business and private payments cleanly apart.
How can I open a free company account online?
Apply directly on the Vivid website or in the app. Then complete the digital identity check and activate your card. If you want to open a free online business account, have a valid ID and your company details ready — the whole process takes a few minutes.
Should the business account be in my name or the company name?
That depends on your legal form. Self-employed people and sole proprietors open the account in their own name, since legally there is no separate company. For corporations like a GmbH, UG or AG, the account must be in the company name.
Can I use a personal account for business?
Technically it's possible, but many banks prohibit business use of a personal current account in their terms. Mixing private and business transactions also complicates your tax return and can lead to queries from the tax office. A dedicated business account keeps finances cleanly separated.
Can I have a personal and a business account at the same time?
Yes — in Germany that's common and recommended. With a separate business account, you keep business income and expenses clearly apart from private payments. Bookkeeping, tax returns and reporting become much easier — without tedious filtering through statements.
Can I move my existing business account to another bank?
Yes, switching is possible at any time. Open the new account first, move standing orders, direct debits and business partner details across, and close the old account once the migration is complete. Plan a transition period of four to eight weeks so incoming payments reliably reach the new account.
Which costs can still arise with a free business account?
Even with a free company account, individual services can carry fees — for example additional cards, cash withdrawals above certain allowances or premium features from higher plans. All conditions are transparently visible and clearly shown before every transaction.
Is a free business account suitable for small businesses?
Yes — a free account on the Standard plan is a great fit for small businesses with manageable payment volumes. You get a German IBAN, a business card and tools for bookkeeping and cash flow — with no monthly base fee and no long-term commitment.
Who is a free online business account for?
A free online business account suits freelancers, solo self-employed people, small business owners, founders and start-ups in formation with moderate transaction volumes. If you need higher payment volumes, more sub-accounts or premium features like the interest account and cashback, you can switch to a higher plan at any time.