Best Business Account 2026

Open an account to enjoy a smooth online registration, high interest rates, instant transfers, and all the financial tools you need. Enable your business to start thriving.

Trustpilot: Excellent! | 28,000+ reviews

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

The all-in-one solution for companies and freelancers

Business Account

With a quick registration you unlock unlimited IBANs. Discover the ease of managing all your finances from a single platform.

Interest Account

Earn 5% fixed annual interest* on uninvested cash. Your money grows while staying available at all times.

Digital Employees

Delegate routine tasks to your AI agents. They learn nonstop, run 24/7, and need no breaks or extra costs—so you can focus on what matters.

Unlimited Card Spending

Issue a card for every team member, claim guaranteed cashback and make payments for IT & Ads services without worrying about limits.

Cards & Cashback

Start cutting costs with up to 10% monthly cashback on the team’s card purchases at Google Ads, Amazon and others.

Online payments

Boost your revenue by making online payments effortless — whether customers pay via invoice, link or through your website.

Quick transfers

Gain full flexibility with SEPA Instant transfers, SWIFT transfers and easy redirects of direct debits.

Personal Account

Enjoy the ease of having your private and business finances in one place and seamlessly switch accounts whenever you need

Invoicing

Issue comprehensive invoices, track what's owed and send reminders.

Bookkeeping

Keep financial records from all your bank accounts organized. Quickly share data with your team or accountants.

Integrations

Streamline all your money management by connecting with powerful accounting tools and financial applications.

Business Travel

The first tool to let you search, book and pay for hotels directly from your account — including up to 30% travel cashback!

Find the right solution for you

Small & medium enterprises

Whether you're a small, medium-sized, or established business — you can open a business account quickly and digitally, and manage expenses in just a few clicks.

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Freelancers

After opening a professional account in a few clicks, free unlimited SEPA transfers and a 5% interest rate* await you.

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Companies in formation

Forget about paperwork! With a fully digital registration and the transfer of your share capital you can hit the ground running within days.

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Partnerships

Keep your finances organised and transparent with custom access rights for team members and accountants.

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Startups

Account opening is done with a few clicks online, simply choose the features that match your ambition for growth.

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Associations and non-profits

Boost your impact with the all-in-one account for non-profits, foundations and associations. Monitor expenses in real-time while collecting donations and membership fees effortlessly.

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«The Vivid financial platform makes it possible to organize the everyday financial life of an entrepreneur more efficiently.» — Handelsblatt

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.

Open a business account

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Trusted by 500,000+ customers across Europe

Real reviews and honest feedback show why individuals and businesses choose Vivid.

4.7
Trustpilot rating
Rated “Excellent” – 4.7/5 from 28,000+ reviews
4.6
App Store & Google Play
4.6/5 from 53,000+ ratings for “Vivid Business & Personal” mobile app
24 / 7
Support
Human customer service, day and night

Here's why customers love us

Excellent! | 28,000+ 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

Europe’s best companies run on Vivid

100,000+ European businesses spend less on fees, get paid faster, and close the books sooner

See all stories

There’s never been a business account that comes close to these offers, this output, and this return.

Giovanni Bruno, Founder and Managing Director, fokus digital GmbH

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My first transfer took about ten seconds. I’ve never finished a transfer that fast.

Martin, Founder, KeMar Kitchenware

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With my previous account the rate on the balance was zero. Now it’s 1.3% — which is still more than zero.

Rubens Gardelli, Founder, Gardelli Specialty Coffees

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In half a year, that’s around 740 euros saved. Not even a full year.

Stefano, Owner, Sushi World

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With Vivid I felt at ease right away: the ability to set money aside automatically, and to have those sums earn a return, has been a real help to us.

— Umberto Brignone, third generation, Pasticceria Brignone

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What I like most about Vivid is the app itself. You have everything right there on your phone — it's super easy, and the whole thing is very intuitive to use.

Julia Nützel, Founder & Creative Director, NYNOLIA

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Having it all from one source is simply more convenient than sourcing a separate provider for every part.

Martin Brehme, Managing Director, Biting Bit GmbH

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There are two options. Either I split my money across 30 banks, or I move my money to Vivid and invest it there. And that was a very simple decision.

Chris Puellen, Co-Founder & CEO, NaroIQ

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Open a 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.

Plans built for every business

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
    Not Available
- 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

Personal accounts for executives and team members

Keep a clear overview of all your finances on one platform. Making the most of both your business and private funds is easy with high interest on uninvested cash, cashback for every card purchase and a wide range of stock investment options, ETFs and cryptocurrencies.

Learn more

Your money is safe with us

Safely stored

Your money is safeguarded in full: in segregated client-money accounts with European partner banks and in a Qualifying Money Market Fund (QMMF), which may only hold low risk, highly liquid assets. 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 and safeguarded in full. In the unlikely event of Vivid Money S.A. becoming insolvent, your balance would not form part of its estate and would be claimable by you - there is no upper limit. On top of that, funds we hold for you in our client-money account at Natixis (France) are covered by the French statutory deposit guarantee, up to €100,000 per customer, if that bank were to fail. That cover applies to the funds held in that account, not to your full balance, and money market fund holdings are not deposits and are not covered. 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.

Deposit protection

Your balance is safeguarded in full by Vivid Money S.A. Funds at our partner bank Natixis (France) also carry the French deposit guarantee, up to €100,000 per customer.