Vivid's Blog

Business accounts & finance tips for companies and freelancers

How to set up an association (Verein) in Germany: the complete 2026 guide

How to set up an association (Verein) in Germany: step-by-step guide to the statutes, founding meeting, register of associations, costs and charitable status in 2026.

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Kleinunternehmerregelung 2026 – turnover limits, taxes and invoicing at a glance

Tax & regulation

Kleinunternehmerregelung: The Complete 2026 Guide for Founders and the Self-Employed

Kleinunternehmerregelung 2026: turnover limits, advantages, invoicing and the switch to standard taxation explained simply, including the new EU scheme.

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Deutsche Bank alternatives: business accounts compared

Comparisons

Deutsche Bank Alternatives: The Best Business Accounts Compared 2026

Looking for a Deutsche Bank alternative? We compare the best business accounts in 2026: fees, cashback, a German IBAN and DATEV.

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Finom alternatives: business accounts compared

Comparisons

Finom Alternatives 2026: The Best Business Accounts Compared

Looking for a Finom alternative? We compare the best business accounts for 2026 – cashback, investing, multi-currency and fees at a glance.

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Pleo alternatives: spend management and business accounts compared

Comparisons

Pleo Alternatives 2026: 6 Providers Compared

Looking for a Pleo alternative? We compare 6 providers for spend management and business accounts in 2026: cards, cashback, DATEV and pricing at a glance.

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Company formation

How to Start a Startup in Germany: The Complete Guide for 2026

How to start a startup in Germany: a step-by-step guide to your business idea, legal form, financing, taxes and business account for 2026.

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Commerzbank alternatives: business accounts compared

Comparisons

Commerzbank Alternatives: The Best Business Accounts Compared 2026

Looking for a Commerzbank alternative? We compare the best business accounts in 2026: fees, cashback, a German IBAN and DATEV.

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Holvi alternative: business accounts compared

Comparisons

Holvi Alternative: The Best Alternatives Compared in 2026

Looking for a Holvi alternative? We compare the best business accounts in 2026: cashback, in-account investing, DATEV and plans for GmbH & UG.

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Kontist alternatives: business accounts compared

Comparisons

Kontist Alternatives 2026: The Best Business Accounts Compared

Looking for a Kontist alternative? We compare 6 business accounts for the self-employed: fees, tax tools, cashback, investing and cards at a glance.

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All-in-one financial management

Forget about costly subscriptions. Get all the tools your business needs in one place — no extra cost, no hassle.

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.

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

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

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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