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!

Business account online with unlimited IBANs
- Online opening in 10 minutes
- Free Visa cards and 24/7 customer support
- SWIFT and free instant SEPA transfers
- No hidden commissions or fees
Trustpilot: Excellent! | 28,000+ reviews


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
Find the right solution for you
Clear benefits with no hidden fees
Account from €0
A fully functional and free business account24/7 support
Human customer service, day and nightUnlimited IBANs
Unlimited IBANs regardless of tariffOnline in 10 Min
Account opening fully online and without appointment5% Yield
5% p.a. for 5 months in USD and GBP, 4% for 4 months in EUR*Free cards
Physical & virtual Visa cards for each team member10% Cashback
Unlimited cashback up to 10% on every card purchaseFree SEPA
SWIFT and free instant SEPA transfers
Free business account
with unlimited sub-accounts with IBANs
Start using your account from your desktop in 3 easy steps
We accept all business types: Companies, Freelancers, Partnerships and companies in formation.
Fully online
We’ll review your documents and get back to you as soon as possible.
Activate your business account
Top-up your account via Apple Pay, Google Pay, or use free SEPA transfers. Enjoy 5% interest* and cashback.
Open a business account
Plans
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 € / month- 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 € / month- 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
- Maximum loan amount & repayment term200,000 €,
12 months - Fee for receiving card payments from clients (EEA cards), from0,79% (+0,25 €)
- Business Brokerage (stocks, ETFs, crypto)Free
- Tax filing (for freelancers)Free
- POS terminalFree
- Flat transaction fee (all cards)Up to 1.49%
- Digital employees (personal and legal AI assistants)Free
Trusted by 500.000+ customers across Europe
- 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
«Vivid isn’t just growing fast—it’s strategically layering in capabilities that might one day redefine SME banking norms.» — The Digital Banker

Europe’s best companies run on Vivid
100,000+ European businesses spend less on fees, get paid faster, and close the books sooner
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.

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.

Instant cashback
All card payments up to 1%Guaranteed, unlimited cashback€124,16− €12.416,32
GrowthAdvertising costs€49,98− €980,00
Main accountGas stations€3,54− €118,21
Main accountMeals€14,80− €740,00
Integrations with accounting software
Sync your transactions and bank statements with platforms like DATEV, lexoffice, and others. Stay updated without manual data entry, making expense tracking and tax prep easier.
Lexware Office (ex-lexoffice) (transactions)German software with vast features for accounting, invoicing and payroll
Lexware Office (ex-lexoffice) (documents)German software with vast features for accounting, invoicing and payroll
DATEV (transactions)German software with vast features for accounting, invoicing and payroll
DATEV (documents)German software with vast features for accounting, invoicing and payroll
DATEV BuchungsdatenserviceDATEV service for transferring booking data to tax advisors and accounting systems.
sevDeskOnline software with vast features for accounting and invoicing, available in several languages
OdooOdoo is a user-friendly financial management tool that simplifies invoicing, bookkeeping, and reporting for businesses
SortedDigital platform for streamlined document organization, workflow automation, and tax-related file management.
SageSolutions for invoicing, expense tracking, bank reconciliation, payroll processing, financial reporting, and tax compliance.
BuchhaltungsButlerGerman online-software for accounting, invoicing and financial analysis
PennylaneReal-time accounting and cash flow platform that connects bank accounts, invoices, and accountants for transparent financial management.
FastBillGerman online-software for accounting, invoicing and financial analysis
easybillGerman online-software for invoicing and stock management
Puls ProjectGerman online-software for cashflow planning and management of several bank accounts
AgicapCloud-based cash flow management tool for budgeting, forecasting, and liquidity control, helping SMBs improve financial visibility and planning
AgendaIntegrated business software for accounting, payroll, HR, tax calculation, invoicing, and document management
AddisonWorkflow‑oriented accounting and tax management solution with finance, payroll, controlling, invoicing, and document handling.
CommitlyGerman online-software for cashflow planning
GetMyInvoicesGerman online-software that automatically collects invoices from online portals, inboxes and scans
Wiso SteuerTax software for quick filing, accurate income reporting, smart optimization, and secure document submission.
FinanzguruGerman application that supports in tracking and analising finances
BMDIntegrated business software for accounting, document management, HR, and ERP, with powerful automation and cloud access
MoneyMoneyGerman software designed specifically for macOS to manage and analise several bank accounts
NormanAI accounting and tax filing for freelancers and companies.
cegidCloud software suite for accounting, payroll, ERP, and retail management with analytics, automation, and compliance tools for growing companies
EBPFrench-developed accounting and business management software offering invoicing, payroll, and analytical tools for entrepreneurs and accountants.
DougsOnline accounting and tax advisory service for automates bookkeeping, payroll, and VAT declarations with support from certified accountants.
AxonautAll-in-one business management tool for SMEs, integrating CRM, invoicing, accounting, and HR tools in one user-friendly interface.
RegateAutomation platform for finance teams that simplifies invoice processing, payment approvals, and expense management.
IndySmart administration and accounting tool built specifically for freelancers, automating bookkeeping, tax declarations, and invoicing.
I paid thatCash flow and invoice management platform that centralizes payments, automates reconciliation, and offers real-time financial insights.
NETexcomOnline accounting platform for small and medium businesses, offering invoicing, bank synchronization, and reporting features.
InqomAI-powered automated accounting platform that transforms raw financial data into ready-to-use accounting entries and reports.
EvolizCloud-based invoicing and accounting tool for SMEs, combining CRM, expense tracking, and document management in one tool.
FitecoFrench accounting firm offering digital tools and cloud services for bookkeeping, payroll, and business advisory.
SinaoSimple and intuitive invoicing and accounting solution that helps entrepreneurs and freelancers manage sales, expenses, and cash flow.
AbbyMobile-first accounting and tax management app for freelancers, enabling easy expense tracking, invoicing, and income reporting.
FreebeAll-in-one invoicing and accounting tool designed for self-employed professionals, offering quote management, tax tracking, and income monitoring.
RCAComprehensive accounting and payroll tool for SMEs and accounting firms, integrating financial analysis and tax reporting capabilities.
Self MedSpecialized accounting solution tailored for healthcare professionals, simplifying income tracking, tax preparation, and expense management.
PlinoSmart cloud accounting platform for SMEs with automated bookkeeping, expense tracking, and real-time financial insights.
NetsuiteUnified cloud ERP and finance platform offering enterprise-level solutions for accounting, resource planning, e-commerce, and business analytics.
FreshBooksSimple and user-friendly invoicing and accounting tool for freelancers and small businesses.
HoldedAll-in-one business platform for accounting, invoicing, CRM, and project tracking, streamlining daily operations and decision-making for SMEs
The all-in-one solution for companies and freelancers
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 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
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.
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.
Which documents are required to open a business account?
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.
How long does it take to open a Vivid business account?
Opening the Vivid business current 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.How much does it cost to open a Vivid business account?
Opening the account itself costs nothing. With the Free Start or Standard plan you use the business current account for €0/month.
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.How secure is a Vivid business account?
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.Can the business account be integrated into the accounting system?
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.Is there a mobile app at Vivid to manage my business account?
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.
























