Open a business account online

The digital business account for companies and freelancers. Open your business account online in minutes with unlimited German IBANs, instant transfers, and all the financial tools you need for your business.

Trustpilot: Excellent! | 25,000+ reviews

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  • Celebrating excellence

    Some of our latest achievements and recognitions

  • Best Business Account 2026

    Best Business Account 2026

    Finanzfluss.de

  • Highest Interest Rate for Business 2026

    Highest Interest Rate for Business 2026

    Für-Gründer.de

  • No. 1 Business Investment Account 2026

    No. 1 Business Investment Account 2026

    Geschaeftskonten24.net

  • Top Mobile Banking 2025

    Top Mobile Banking 2025

    Handelsblatt.com

The all-in-one solution for your finances

The all-in-one solution for your finances

  • free business account with unlimited IBANs
  • up to 5% p.a. interest rate on positive balance*
  • Visa cards with cashback for all team members
  • SWIFT and SEPA instant transfers

Find the right solution for you

Small & medium enterprises

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.

Freelancers

Freelancers

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

Learn more
Startups

Startups

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

Learn more

How do you open a business account?

1

Start the registration

Get regsitered in a few minutes — no paperwork, no branch visits.

2

Verification

Get verifiied easily via photo. We quickly perform an identity check to help you get started as soon as possible.

3

Start using your business account

Discover how you can directly manage sub-accounts, team members and card limits via the mobile and desktop app.

Free physical and virtual cards

Free physical and virtual cards

Free delivery of the first physical card for each member of your company. High spending limits on each card to match your needs.
Team access with personalized permissions

Team access with personalized permissions

Assign Admin roles to employees for full access to the account, and Assistant roles to external accountants and employees for limited access.

All-in-One Business Account

Earn 5% interest annually

Earn 5% interest annually

Get 5% p.a. fixed for 5 months* in USD & GBP or 4% p.a. fixed for 4 months* in EUR.

Access to your money any time 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.

Investing always involves risks and your initial investment amount cannot be guaranteed. You can find more information about Money Market Funds and the risks of investing in financial instruments here.
Free account with unlimited IBANs

Free account with unlimited IBANs

Choose a free business account or a low-cost one with advanced features. Whichever option you choose, you can create as many German IBANs as you need for effective budgeting.
Fast transfers and SEPA direct debits

Fast transfers and SEPA direct debits

Receiving and sending money is made easy via SEPA Instant and SWIFT transfers. Redirecting your direct debits from your current bank to Vivid goes quick - no extra costs involved.
Ready for borderless success

Ready for borderless success

  • Pay to 70+ countries and get paid from 150+ countries
  • 22 currencies available
  • Exchange currencies in real-time and commission-free
  • Free international outgoing transfers
  • within monthly limits

Up to 10 % cashback help you cut business expenses

Issue a free card for every team member. Pick your favourite cashback categories for the upcoming month.

payment

Instant cashback

Metal card •1337
  • Card payment
    All card payments up to 1%
    Guaranteed, unlimited cashback
    €124,16
    − €12.416,32
  • Google Ads
    Growth
    Advertising costs
    €49,98
    − €980,00
  • Aral
    Main account
    Gas stations
    €3,54
    − €118,21
  • Rewe
    Main account
    Meals
    €14,80
    − €740,00

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.

More about integrations

Open a business account

Country
Business type
Legal entity type
Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.

Online banking via app & browser

Log in to your business account via desktop or mobile phone and maintain an optimal overview, use instant transfers and manage cards flexibly.

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Your money is safe with us

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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

Superior payment security

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

2-step authentication

2-step authentication

With 3D Secure and two-step authentication we ensure no payment is made without your authorisation.

GDPR compliance

GDPR compliance

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

Plans

Monthly
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 unique 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

  • Basic

    Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost

    6,9 € / month
    excl. VAT
    2 months free trial
    Get started
    • Accounts & Interest
      • Free accounts with unique 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

  • Pro

    Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync

    18,9 € / month
    excl. VAT
    2 months free trial
    Get started
    • Accounts & Interest
      • Free accounts with unique 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
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
  • Fee for receiving card payments from clients (EEA cards), from
    0,79% (+0,25 €)
  • Treasury (stocks, ETFs, crypto)
    Free
  • Digital employees (personal and legal AI assistants)
    Free
Compare all features

The all-in-one solution for companies and freelancers

Interest Account

Interest Account

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

Digital Employees

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.

Cards & Cashback

Cards & Cashback

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

Unlimited Card Spending

Unlimited Card Spending

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

Online payments

Online payments

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

Quick transfers

Quick transfers

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

Personal Account

Personal Account

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

Invoicing

Invoicing

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

Bookkeeping

Bookkeeping

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

Integrations

Integrations

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

Business Travel

Business Travel

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

A business account you can trust

Real reviews and honest feedback show why freelancers, businesses and associations choose Vivid.

  • 4.7

    Trustpilot rating

    Rated “Excellent” – 4.7/5 from 25,000+ reviews

  • 4.6

    App Store & Google Play

    4.6/5 from 51,000+ ratings for “Vivid Business & Personal” mobile app

  • 24 / 7

    Support

    Human customer service, day and night

Here's why customers love us

Excellent! | 25,000+ 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
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
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

Frequently asked questions about business accounts

  • How can I open a Vivid Business account online?

    You can open your business account online directly through the Vivid website or app. The account opening process is completely digital.

    The process consists of a few steps:
    • Fill out the online application (usually within about 10 minutes).
    • Confirm information about your company and your identity.
    • After successful verification, you can start using your business account immediately.
  • To open a business account, certain requirements must be met:
    • a valid proof of identity (e.g., identity card or passport);
    • information about your company (legal form, address, field of activity);
    • depending on the legal form, additional company documents such as articles of association or list of partners.
    You can find out exactly which documents are required here. They will also be shown to you again during the digital account opening.
  • Opening the free Vivid Business checking account usually takes between 10 minutes and 1 hour, depending on how quickly your information is verified.

    In individual cases, the process may take longer if additional information is required. If you do not receive any feedback after about 2 business days, you should contact support.
  • Opening a Vivid business account with the Free Start and Standard plan has no monthly fees.

    Depending on the chosen plan, additional optional services may be chargeable (such as extended features or higher service levels), but the initial setup and account opening remain free of charge.
  • A Vivid business account offers modern security standards for digital financial services. Customer funds are kept separate from company assets and are not used for operational purposes. The business checking account is also protected by strong authentication and encrypted data processing according to European data protection standards. You can read more about deposit protection here.
  • Yes. The Vivid business account can be connected with common accounting software. Transactions and account statements are automatically synchronised, which significantly simplifies your ongoing bookkeeping. Alternatively, you can export your data at any time as a PDF, CSV, or MT940 file and import it into your accounting system.
  • Whether a business account is required depends on your activity and legal form. For German corporations such as GmbH or UG, a separate account is legally mandatory.

    For freelancers or small business owners, having a separate business account may not be mandatory but is recommended to clearly separate private and business finances and keep accounting organised.
  • Yes. The Vivid business account can be fully managed through the Vivid Business & Personal app. In the mobile app, you can make payments, view transactions, manage cards, and switch between your business and personal accounts.

    Additionally, a web platform is available that allows you to manage your business account on the desktop as well.