Best Business Account 2025
Best Business Account 2025Finanzfluss.de
Highest Interest Rate for Business 2025Für-Gründer.de
Top Mobile Banking 2025Handelsblatt.com
Top German Startups 2024LinkedIn
Best Business Account 2025BILD.de Best in Test- Trustpilot: Excellent!
- Best Business Account 2025Finanzfluss.de
- Highest Interest Rate for Business 2025Für-Gründer.de
- Top Mobile Banking 2025Handelsblatt.com
- Top German Startups 2024LinkedIn
- Best Business Account 2025BILD.de Best in Test
- Trustpilot: Excellent!
Free account with up to 30 DE IBANs
Integrations with accounting software
4% p.a. interest rate on positive balance
Cashback on every purchase with free VISA card for every team member
SWIFT and SEPA instant transfers
- Open a business account
Get up to 10% cashback for every card purchase
Issue a free card for every team member. Pick your favourite cashback categories for the upcoming month.
All purchases, up to 1% Guaranteed unlimited cashback on all purchases, excl. ATM withdrawals and SEPA transfers.
Facebook advertising, up to 10% Purchases of Facebook advertising.
Amazon, up to 10% Purchases on Amazon.
Google advertising, up to 10% Purchases of Google advertising.
More categories Pick your favourite cashback categories every month.
All-in-One Business Account
Earn 4% interest annually
Keep your uninvested cash in your Interest Account and earn 4% per year for the first 2 months. When the promo period is over, you earn up to 2,6%*. The interest rates will change starting April 29, 2025. Learn more.
Instant access to your money
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.
Main account
€134,000.00
🇩🇪 IBAN • 4565
Employees
€4,906.00
🇩🇪 IBAN • 1337
Taxes, Employee benefits, Payroll
€11,700.00
🇩🇪 IBAN • 1620
Savings
€1890.00
🇩🇪 IBAN • 1890
Free account with up to 30 DE IBANs
Full online registration—no in-person step. Friendly onboarding: everyone’s situation is unique and we consider each case individually.
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.
Get a clear and fixed fee of €5 per SWIFT transfer you do, making international transactions more predictable and cost-effective.
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
Assign Admin roles to employees for full access to the account, and Assistant roles to external accountants and employees for limited access.
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.
Lexware Office(ex-lexoffice)
German software with vast features for accounting, invoicing and payroll
DATEV
German software with vast features for accounting, invoicing and payroll
sevDesk
Online software with vast features for accounting and invoicing, available in several languages
Оdoo
Odoo is a user-friendly financial management tool that simplifies invoicing, bookkeeping, and reporting for businesses
FastBill
German online-software for accounting, invoicing and financial analysis
easybill
German online-software for invoicing and stock management
Sage
Solutions for invoicing, expense tracking, bank reconciliation, payroll processing, financial reporting, and tax compliance.
BuchhaltungsButler
German online-software for accounting, invoicing and financial analysis
Commitly
German online-software for cashflow planning
Puls Project
German online-software for cashflow planning and management of several bank accounts
GetMyInvoices
German online-software that automatically collects invoices from online portals, inboxes and scans
MoneyMoney
German software designed specifically for macOS to manage and analise several bank accounts
Finanzguru
German application that supports in tracking and analising finances
Mobile app
Organise your budget and payments by opening multiple accounts with separate IBANs. Send money in a few taps. Issue, customise, freeze and manage your virtual and physical cards in your app.
Web app — for business accounts
Oversee your personal and business accounts in the same mobile app—switch between them seamlessly. Use our web app to conveniently manage your business account from your computer.
Open a business accountOrganise your budget and payments by opening multiple accounts with separate IBANs. Send money in a few taps. Issue, customise, freeze and manage your virtual and physical cards in your app.
Get the app
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.
Plans
The interest rates will change starting April 29, 2025. Learn more.
Your money is safe with us
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, Vivid Digital S.r.I. is supervised by Commissione Nazionale per le Società e la Borsa (CONSOB) in Italy, 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, Vivid Digital S.r.I. 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.