Bookkeeping made simple

Manage transactions, invoices and receipts from all your accounts in one place. Securely share data with your team or accountant in minutes.

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Open a business account

Celebrating excellence
Some of our latest achievements and recognitions
Best Business Account 2026
Finanzfluss.de
Highest Interest Rate for Business 2026
Für-Gründer.de
No. 1 Business Investment Account 2026
Geschaeftskonten24.net
Top Mobile Banking 2025
Handelsblatt.com

Features designed for your success

Optimise your bookkeeping process while simplifying every step.

Digitise receipts with ease

Capturing and recording receipts is quick. By matching them with transactions, bills or invoices you are all set up for accurate reconciliation.

Centralise your finances

You can choose to connect over 50 German financial providers and more than 300 across Europe to streamline transactions and bookkeeping.

Collaborate quickly with accountants

Share financial data effortlessly via ZIP archives (DATEV and Google Drive coming soon), ensuring smooth and secure communication.

Open a business account

Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.

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 4% fixed annual interest* on uninvested cash. Your money grows while staying available at all times.

Unlimited Card Spending

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

Cards & Cashback

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

Online payments

Boost your revenue by making online payments effortless — whether customers pay via bank transfer or card.

Financing

Apply for a loan of up to €200.000 to fulfill all your project needs. Fully online and hassle-free with a trusted partner.

Invoicing

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

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!

Crypto Earn Account

Earn up to 8% Annual Percentage Yield on selected crypto assets and withdraw earnings instantly.

Plans built for every business

Monthly

Payment period

Annual

Save up to 24%

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

Free Start
Perfect for newly registered companies setting up finances and trying 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%
- 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
Ideal for small businesses with steady transactions needing reliable everyday banking at 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%
- 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
Best for growing companies with more 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%
- 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
Maximum loan amount & repayment term
200,000 €,
12 months
Fee for receiving card payments from clients (EEA cards), from
0,79% (+0,25 €)
Treasury (stocks, ETFs, crypto)
Free
Tax filing (for freelancers)
Free
Certified tax adviser (for freelancers)
99 € per month
or 990 € per year
POS terminal
Free
In-person payment fees
Up to 1.49%
Digital employees (personal and legal AI assistants)
Free

Compare all features

Got more questions about bookkeeping?

Who is this bookkeeping tool for?
It’s designed for small businesses, freelancers, and entrepreneurs who want to simplify their financial management without studying complex software or paying several subscriptions for accounting functions.
How do I get started with bookkeeping?
Simply open a business account, connect it to any existing accounts involved in bookkeeping, and start managing your finances from a single platform. You can digitise receipts, track transactions, and collaborate with team members or accountants easily.
How much does the bookkeeping feature cost?
We offer bookkeeping as part of our paid Vivid Business plans at no extra cost.
Is there a free bookkeeping tool available?
Our free plans for businesses already offer up to 25 uploads of bookkeeping documentation. For companies with a paid plan there is no limit.
Can I automate VAT tracking?
To help you automate tax calculations and reporting, we are setting up to provide VAT tracking features soon.
Can I integrate external tools into my bookkeeping process?
Currently, data can be exported to ZIP-archive, with DATEV and Google Drive coming soon. More integrations may soon follow.
How secure is my financial data?
Vivid Money applies banking-grade security protocols to safeguard your data and comply with the Payment Card Industry Data Security Standards to protect your payment information. With 3D Secure and two-step authentication we ensure no payment is made without your authorisation. Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.