Best Business Account 2024 in 10 minutes

  • Free, fully functional plan
  • Free unlimited instant SEPA transfers
  • 5% p.a. interest rate on positive balance
  • Up to 10% cashback for every purchase
  • Free physical and virtual cards
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
devices
  • 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!

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 1.5%

    All purchases, excl. ATM withdrawals and SEPA transfers.

  • Amazon, up to 10%

    Purchases on Amazon.

  • Facebook advertising, up to 7%

    Purchases of Facebook advertising.

  • Grocery stores, up to 4%

    Purchases in grocery stores.

  • More categories

    Pick your favourite cashback categories every month.

Seamless experience

Get an account with just a few clicks

Full online registration—no in-person step. Friendly onboarding: everyone's situation is unique and we consider each case individually.

Freelance and personal accounts

You can have both personal and freelance accounts simultaneously and seamlessly switch between them.

Fast human support

Quick support through chat or email. 24/7 availability.

Interest account

Earn 5% p.a. interest annually

Keep your funds in your Interest Account and earn 5% per year for the first 2 months. When the promo period is over, you earn up to 4%**. 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.

Free business cards with high spending limits

Free delivery of the first physical card.

High spending limits on each card to match your needs.

Make instant business purchases using Apple Pay or Google Pay on your smartphone.

Issue multiple cards — personalise them with different colours.

Open a freelancer account

Tap on card to change color

Plans for freelancers

MonthlyAnnual save up to 20%
standard
0
Free of charge at all times
prime
7.9
monthly, excl VAT
2 months free trial
Free of charge at all timesmonthly, excl VAT
2 months free trial
Interest account rate*The promotional rate will be applied to all plans for the first 2 months after opening the Interest Account for the balance up to €100,000. The interest rates will change starting January 2, 2025. Learn more
5%2%
5%4%
Cashback up to
1%
5%
Outgoing SEPA transfers
Free
Free
Fee for adding a Team Memberabove one Assistant, no further Team Members are possible
€ 3
Free
Included accounts
1
15
Virtual cards
Free
Free
24/7 human supportWithin minutes via chat and email
Yes
Yes
Physical cards
Free
Free
Card spending limitPer month
€ 50 000
€ 50 000
Free physical card deliveryFor the first card
Yes
Yes
Transfer to Vivid Business customers
Free
Free
Transfer between own accounts
Free
Free
Monthly fee per extra account above free limit
€ 3
€ 2
Fee for any physical card delivery above your free limit
€ 9.90
€ 9.90
Fee for fast physical card delivery
€ 24.90
€ 24.90
Fee for bulk transfersPer each bulk transfer
€ 0€ 3
€ 0
Fee for ATM withdrawalsPer month. If the withdrawal amount is less than €50 or the monthly free limit has been reached, a fee of 3% of the withdrawal amount (but not less than €1) is applied.
Free up to €200
Free up to €1000
Currency exchange feeMark-up over the exchange rate for execution of non-EUR card transactions
1%
1%
Fee for incoming international transfersother than SEPA per transfer * This offer is valid until January 31st
Free€5
Free€5
Fee for outgoing international transfers (SHA)other than SEPA per transfer SHA option
€5
€5
Fee for outgoing international transfers (OUR)other than SEPA per transfer incl. external bank handling fees
€30
€30
Open a freelancer account
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.