
Modern financial tool for electrical and solar panel installers
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Top Mobile Banking 2026
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German Service Award 2026
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Best Business Account 2026
Für Gründer
Everything an installation job touches, in one account

All card payments up to 1%Guaranteed, unlimited cashback€124,16− €12.416,32
Hornbach up to 1%Building materials€1,45− €145,00
Bauhaus up to 1%Building materials€0,98− €98,00
OBI up to 1%Building materials€0,76− €76,00
Shell up to 4%Fuel€2,20− €55,00
Earn cashback on every purchase your installers make
- Up to 1% cashback on everyday purchases, with no cap: at Hornbach, Bauhaus, OBI and others
- Up to 4% cashback on fuel at Shell, depending on the plan. Selected categories carry a monthly maximum.
Manage receipts and invoices digitally
Make your funds work while the job runs
Choose how to put idle cash to work, from fixed interest to full portfolio control.
Why our customers choose Vivid
100,000+ European businesses spend less on fees, get paid faster, and close the books sooner
See all storiesOpen a business account
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.
Plans built for every business
Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync
- Get started
Free Start
Suited for newly registered companies setting up finances and looking to try key banking features for free
0 € / monthFree of charge at all times- Accounts & Interest
- Free accounts with unique IBANsUnlimited
- 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 cashback0,1%
- Cashback on selected categories and brands, up to2%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFTNot Available
- Support
- 24/7 human supportYes
- Accounts & Interest
- Get started
Basic
Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost
6,9 € / month2 months free trial- Accounts & Interest
- Free accounts with unique 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*1%
- Cards & Cashback
- Guaranteed unlimited cashback0,2%
- Cashback on selected categories and brands, up to4%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 free per month, then 5 €
- Support
- 24/7 human supportYes
- Accounts & Interest
- Get started
Pro
Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync
18,9 € / month2 months free trial- Accounts & Interest
- Free accounts with unique IBANsUnlimited
- 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 cashback0,5%
- Cashback on selected categories and brands, up to6%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT10 free per month, then 5 €
- Support
- 24/7 human supportYes
- Accounts & Interest
- 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
- Fee for receiving card payments from clients (EEA cards), from0,79% (+0,25 €)
- Business Brokerage (stocks, ETFs, crypto)Free
- Digital employees (personal and legal AI assistants)Free
Frequently asked questions
Do I pay extra for adding installers as users?
No. Team members come without a number limit, and an extra one carries no monthly fee. Each of them gets their own card and their own limit, and you see who spent what without asking anyone.Can installers have cards without access to the whole account?
Yes. Every installer gets their own card with its own monthly limit, and a card shows only its own spending. A card can also be restricted to chosen merchant categories or to selected merchants. One card then clears the wholesaler and the petrol station, and nothing else. Any card can be locked and unlocked at any time.What do transfers to suppliers cost?
Nothing inside Europe. Outgoing SEPA Instant transfers are free on every plan, however many go out and however small they are. Beyond Europe you pay in 30+ currencies across 140+ countries, with the exact amount and every fee shown before you send.Is the cashback on all purchases really uncapped?
Yes. Cashback on all purchases has no monthly ceiling, so it keeps paying across the whole month, however many runs to the wholesaler it takes. The rate itself depends on the plan. Selected categories, fuel among them, pay a higher rate and those categories do carry a monthly maximum.What does the plan cost?
Free Start plan has no monthly fee. The paid plans come with a 2-month trial and can be cancelled whenever it suits.How long does it take to open an account?
Opening a business account with Vivid works fully online and takes just a few minutes. Once you're verified, the account is ready for payments right away.















