Finances in one place = a clear overview
Redirect existing direct debits to Vivid Business and sync tools like DATEV or sevDesk in just a few clicks. No more chaos in your day-to-day banking and bookkeeping.
A business account for freelancers
Fast registration, German IBANs, free unlimited SEPA and SWIFT transfers, 5% interest rate*, and all the financial tools you need to thrive.
Trustpilot: Excellent! | 25,000+ reviews
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
A premium account for the self-employed
- All the essentials, no monthly fee
- Unlimited SEPA Instant transfers
- As many IBANs as you need for clear project overview
- 5% interest p.a. on uninvested funds*
- Invoicing & accounting tools included
Easy to use
Business and personal accounts on one platform
Keep personal and business finances clearly separate and switch between them effortlessly. Track every transaction in real time via the web portal or the mobile app.
Free cards with high limits
Pick a custom design and spending limit for every debit card and get your first physical card delivered free. With virtual cards you can pay in store straight from your phone.
Fast, personal support
Our team is happy to help you around the clock in the language of your choice. Reach out via in-app chat or email and tell us how we can help.
Open a freelancer 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.
Trusted by thousands of freelancers
Winner in the category "Best digital business accounts for freelancers" by Handelsblatt & "Highest customer trust" in the category "Neobanks" by WirtschaftsWoche
Open an account without SCHUFA check
1
Sign up — no paperwork
Start opening your freelancer account online in 10 minutes — from the browser or the mobile app.
2
Verification as a self-employed
Once you've verified your identity by photo, we'll check your business details and unlock your account — no SCHUFA check needed.
3
Enjoy seamless banking
Use as many IBANs as you need, send invoices, and pay contactless by card, Google Pay or Apple Pay.
Bookkeeping and taxes made easy
From tax prep to tax return
Spending on your business account gets categorised automatically and receipts are scanned in. The AI assistant identifies tax-deductible items, and once a year you get a free overview. Submit it yourself or let the pros take care of it.
Make your money grow effortlessly
Get 5% p.a. fixed for 5 months* in USD & GBP or 4% p.a. fixed for 4 months* in EUR. Your money is invested by us in Qualifying Money Market Funds to generate interest. More about interest can be found here.
Cut your business spending with cashback
Pick your favourite cashback categories for the upcoming month. Receive up to €150 cashback/month on card purchases for the selected categories.
Instant cashback
Metal card •1337
All card payments up to 1%Guaranteed, unlimited cashback€124,16− €12.416,32
GrowthAdvertising costs€49,98− €980,00
Main accountGas stations€3,54− €118,21
Main accountMeals€14,80− €740,00
Plans for freelancers
Monthly
Annual
Save up to 24%
Best for busy professionals who handle various clients and need advanced controls for fast operations
- Get started
Standard
Perfect for new freelancers and entrepreneurs testing essential business banking with no monthly fees
0 € / monthFree of charge at all times- Accounts & Interest
- Free accounts with German IBANsUnlimited
- 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*0,5%
- Cards & Cashback
- Guaranteed unlimited cashback0,1%
- Cashback on selected categories and brands, up to2%
- Virtual and physical cardsFree
- Card spending limit50.000 €
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 €
- Fee for card top-up200 € free, then from 1%, min 0,49 €
- Support
- 24/7 human supportYes
- Dedicated customer success teamNo
- Accounts & Interest
- Get started
Prime
Ideal for growing solo businesses wanting more tools and smoother daily workflows at fair pricing
6,9 € / month2 months free trial- Accounts & Interest
- Free accounts with German IBANsUnlimited
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*2,5%
- Initial fixed interest rate p.a., USD/GBP*5%
- Fixed interest rate p.a. after 5 months, USD/GBP*2%
- Cards & Cashback
- Guaranteed unlimited cashback0,2%
- Cashback on selected categories and brands, up to4%
- Virtual and physical cardsFree
- Card spending limit50.000 €
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 free per month, then 5 €
- Fee for card top-up1.000 € free, then from 1%, min 0,49 €
- Support
- 24/7 human supportYes
- Dedicated customer success teamNo
- Accounts & Interest
- Get started
Pro
Best for busy professionals who handle various clients and need advanced controls for fast operations
18,9 € / month2 months free trial- Accounts & Interest
- Free accounts with German IBANsUnlimited
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*2,6%
- Initial fixed interest rate p.a., USD/GBP*5%
- Fixed interest rate p.a. after 5 months, USD/GBP*2,5%
- Cards & Cashback
- Guaranteed unlimited cashback0,5%
- Cashback on selected categories and brands, up to6%
- Virtual and physical cardsFree
- Card spending limit50.000 €
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT10 free per month, then 5 €
- Fee for card top-up1.000 € free, then from 1%, min 0,49 €
- Support
- 24/7 human supportYes
- Dedicated customer success teamComing soon
- Accounts & Interest
- Get started
Pro+
Built for full-time, high-volume freelancers seeking maximum perks and pro-level control, end to end
41 € / month2 months free trial- Accounts & Interest
- Free accounts with German IBANsUnlimited
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*2,7%
- Initial fixed interest rate p.a., USD/GBP*5%
- Fixed interest rate p.a. after 5 months, USD/GBP*3%
- Cards & Cashback
- Guaranteed unlimited cashback0,75%
- Cashback on selected categories and brands, up to8%
- Virtual and physical cardsFree
- Card spending limit50.000 €
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT15 free per month, then 5 €
- Fee for card top-up1.000 € free, then from 1%, min 0,49 €
- Support
- 24/7 human supportYes
- Dedicated customer success teamComing soon
- Accounts & Interest
Features you get on every plan
- InvoicingFree
- Document uploads for bookkeeping (on every paid plan)Unlimited
- Integrations (sevDesk, Lexware Office, DATEV, ...)Free
- Business travel cashback up to30%
- Crypto Earn rewards up to8% APY
- Maximum loan amount & repayment term200,000 €,
12 months - Fee for receiving card payments from clients (EEA cards), from0,79% (+0,25 €)
- Business Brokerage (stocks, ETFs, crypto)Free
- Tax filing (for freelancers)Free
- POS terminalFree
- Flat transaction fee (all cards)Up to 1.49%
- Digital employees (personal and legal AI assistants)Free
What freelancers love about Vivid
Excellent! | 25,000+ reviews
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Frequently asked questions about business accounts for the self-employed
Is a business account mandatory for the self-employed?
No. The law doesn't require a business account, but it brings clear benefits. A business account lets freelancers, small business owners and traders cleanly separate personal and business spending, simplifies bookkeeping and speeds up your tax return. Modern solutions like Vivid Business are built around the needs of the self-employed: automatic spending categorisation, receipt capture and invoicing, plus integrations with accounting tools — making your income-surplus calculation much easier.How do I open a business account as a freelancer?
With modern financial platforms, opening an account for the self-employed is usually straightforward online — no branch visit or slow PostIdent process required. After photo or video ID, your personal and business details are checked, and either individual features are unlocked or you get full access to the business account.Is the Vivid business account really free?
Yes. Vivid's "Standard" plan offers the self-employed plenty of features with no monthly fee. Charges may apply if the account is rarely used or you opt for extra services. All costs and fees are transparently listed in the pricing table.Is SCHUFA checked when opening the account?
No. Opening a business account for freelancers with Vivid doesn't require a SCHUFA check. Your data is processed strictly according to the legal requirements for identity verification. Even with a negative SCHUFA report or existing SCHUFA entries, you can still open an account for the self-employed at Vivid. Opening the account also has no impact on your SCHUFA score.What documents do I need as a freelancer to open an account?
If you're a small business owner, freelancer or trader, your ID card, your tax identification number and proof of your freelance activity are usually enough. If we need anything else to open your Vivid business account, we'll get in touch quickly.Can I have a side hustle and open a business account?
Yes. You can be self-employed on the side and still open a business account — it's even a good idea, to clearly separate personal and business finances. Many banks and neobanks offer dedicated accounts for side-hustlers that don't require a business registration or extensive paperwork. The process is similar to a freelancer account: usually you just need your ID, your tax ID and proof of your side activity (for example, registration with the tax office as a freelance or trade activity, or confirmation from your employer if you're employed in your main job).