The financial platform for freelancers

Fast registration, German IBANs, free unlimited SEPA transfers, 5% interest rate, and all the financial tools you need to thrive.

Open a freelancer account
German business account in 5 minutes
  • 1Free, fully functional plan
  • 2Free unlimited instant SEPA transfers
  • 35% p.a. interest rate on positive balance
  • 4Up to 5% cashback for every purchase
  • 5Free physical and virtual cards

Seamless experience

Get an account with just a few clicks

Full online registration—no in-person step. Friendly onboarding: everyone's situation is unique and we consider each case individually.

Freelance and personal accounts

You can have both personal and freelance accounts simultaneously and seamlessly switch between them

Fast human support

Quick support through chat or email. 24/7 availability.

Interest account

Earn 5% interest annually

Keep your funds in your Interest Account and earn 5% per year for the first 2 months. When the promo period is over, you earn up to 4%**.

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.

Open a freelancer account

Manage your cashback

Pick your favourite cashback categories for the upcoming month. Receive up to €150 cashback/month on card purchases for the selected categories.
5%
Google, 5%
Google Ads, Google Workspace, etc.
category google
1%
All purchases, 1%
All purchases, excl. ATM withdrawals and SEPA transfers.
category all purchases
2%
Restaurants, 2%
Purchases in restaurants.
category restaurants
4%
Software, 4%
Amazon AWS, Microsoft Azure, and other software products.
category software
3%
Gas stations, 3%
Purchases of gasoline, other fuels, and various items at gas stations.
category auto
Open a freelancer account

Free business cards with high spending limits

Free delivery of the first physical card.

High spending limits on each card to match your needs.

Make instant business purchases using Apple Pay or Google Pay on your smartphone.

Issue multiple cards — personalise them with different colours.

Open a freelancer account

Tap on card to change color

Plans for freelancers

standard
0€
Free of charge at all timesGet started
prime
0€€7.9
After 2 months:
€7.9 monthly, excl VATGet started
Free of charge at all timesAfter 2 months: €7.9 monthly, excl VAT
Interest account rate*The promotional rate will be applied to all plans for the first 2 months after opening the Interest Account for the balance up to €100,000.
5%2%
5%4%
Outgoing SEPA transfers
Free
Free
Fee for adding a Team Memberabove one Assistant, no further Team Members are possible
€ 3
Free
Included accounts
1
10
Virtual cards
Free
Free
Physical cards
Free
Free
Card spending limitPer month
€ 50 000
€ 50 000
Free physical card deliveryFor the first card
Yes
Yes
Transfer to Vivid Business customers
Free
Free
Transfer between own accounts
Free
Free
Monthly fee per extra account above free limit
€ 3
€ 2
Fee for any physical card delivery above your free limit
€ 9.90
€ 9.90
Fee for fast physical card delivery
€ 24.90
€ 24.90
Fee for bulk transfersper each bulk transfer
€ 0€ 3
€ 0
Fee for ATM withdrawalsPer month. If the withdrawal amount is less than €50 or the monthly free limit has been reached, a fee of 3% of the withdrawal amount (but not less than €1) is applied.
Free up to €200
Free up to €1000
Currency exchange feeMark-up over the exchange rate for execution of non-EUR card transactions
1%
1%
Get started
Open a freelancer account
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