Who can open a non-profit account?

With Vivid, registered associations (e.V.), charitable companies and comparable organisations get a full business account — a digital current account for non-profits that covers all common payment functions. Unregistered associations with a clear structure can also apply if the board is verified. Whoever compares modern banks for non-profits will find a fully digital approach with Vivid. Sports clubs, cultural clubs, support clubs and kindergartens are equally welcome.

Which documents are needed for a non-profit account?

You'll need a current extract from the register of associations (no older than three months), the valid statutes and a board resolution authorising the account opening. The association itself becomes the account holder as a legal entity. All authorised representatives verify online with a valid ID and a selfie. For charitable associations, a tax-exemption notice helps to allocate donation flows correctly.

How do you open a non-profit account online?

You start the application on the Vivid website or in the app. Enter the association's data, upload statutes and the register extract, then complete identification together with the other board members. An online non-profit account is ready as soon as the review passes — you get access to online banking, IBAN and the first card, with no branch appointment required.

What does a non-profit account cost?

On the Standard plan there are no monthly account-keeping fees — keeping Vivid an affordable non-profit account for small and mid-sized organisations. SEPA transfers within the Standard quota, online banking and the digital Visa card are included. If you need more cards or higher withdrawal limits, you can switch to a larger plan anytime. Current terms and pricing live on the pricing page.

Can the account connect to accounting software?

Yes. Vivid provides DATEV-compliant export and MT940 files so the accountant can import transactions directly. Common banking software and bookkeeping software connect via the available interfaces. Treasurer and board skip manual transfer of statements and transaction history — and the year-end closing arrives sooner.

Can I use direct debits for membership fees?

SEPA direct debits are built into the account. Collect membership fees as standing orders or bulk direct debits; one-off contributions run as single debits. No separate software needed. The system recognises returns automatically and assigns them to the relevant member, so the treasurer always knows which fees are outstanding.

Which features does a modern non-profit account offer?

When you open an account for your non-profit, Vivid gives you more than just an IBAN: physical and virtual Visa cards, SEPA transfers within the Standard quota, ATM withdrawals across the eurozone (subject to tariff limits), sub-accounts for projects and donation campaigns, real-time balance, multi-user access with role permissions, and digital receipt capture. The board stays in control of every cash flow.

Open an association account

With Vivid you open a modern account for non-profits online — no branch visit, transparent conditions. Opening a non-profit account is fully digital, from application to your first card. Membership fees, donations and association finances live in one place. Registered associations, support clubs, sports and cultural organisations in Germany get started fully online.

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Open a business account

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Best Business Account 2026
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Account benefits

Start for free
On the Standard plan you pay no monthly base fee. You open your free non-profit account without a minimum balance, on transparent terms.
Clean separation
Association finances and financial administration cleanly separated from personal accounts. Board and treasurer keep expenses, income and statements in view at all times.
Multiple access levels
Several board members get their own access. The four-eyes principle works directly inside online banking — extra security, with treasurer and board releasing payments together.
Bookkeeping made easy
DATEV export and categorised transactions take pressure off treasurer and accountant. Year-end closing and the AGM become routine.

Why a non-profit account is essential

Clean association finances

A bank account for non-profits separates personal from association assets. Many statutes require it, and the tax office expects this separation for charitable organisations — also with regard to board liability.

Automate membership fees

Direct debits and standing orders collect fees reliably. The treasurer always sees which income has been booked on any given date.

Donations without chaos

Donation receipts are matched to bookings instantly. Receipts can be documented cleanly — important for recognition as a charity.

Board in the loop

Real-time balance, payment reminders and approved receipts give every board member the same picture — after the meeting as in daily operations.

Open a free non-profit account: step by step

Register the association

Start the application online, enter the association's details and the authorised representatives. You'll need an extract from the register of associations and the current statutes.

Verify the board

Authorised representatives verify online — a selfie plus a valid ID is enough. Account opening runs entirely without a branch visit.

Start using the bank account

Once the review is complete you log into online banking, run all banking operations digitally, order cards and set up the first direct debits for membership fees.

Open an account for your association

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

Plans for every type of organisation

Pick the plan that fits your association's size and activity. Switch anytime — no new application needed.

Monthly

Payment period

Annual

Save up to 24%

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

Free Start
Suited for newly registered companies setting up finances and looking to try 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%
  - 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 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
Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost
6,9 € / month
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%
  - Initial fixed interest rate p.a., USD/GBP*
    5%
  - Fixed interest rate p.a. after 5 months, USD/GBP*
    1%
- 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
Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync
18,9 € / month
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%
  - Initial fixed interest rate p.a., USD/GBP*
    5%
  - Fixed interest rate p.a. after 5 months, USD/GBP*
    2%
- 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 €)
Business Brokerage (stocks, ETFs, crypto)
Free
Tax filing (for freelancers)
Free
POS terminal
Free
Flat transaction fee (all cards)
Up to 1.49%
Digital employees (personal and legal AI assistants)
Free

Compare all features

A digital account for every non-profit

For every type of association

Sports club, support association, charity or cultural initiative — with Vivid you can open your non-profit account online. Registered associations and comparable structures all have a home here.

Online banking without a branch visit

Web portal and mobile app work together. The board checks balances on the phone, the treasurer reconciles on the laptop, and receipts go straight to the accountant.

Cards for everyday spending

Visa cards for board and coaches with individual limits. Settle sports equipment, clubhouse repairs or event supplies cleanly.

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.

Open a business account

Your money is in good hands

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.

What our customers say

Excellent! | 26,000+ reviews

5.0

Recommended for freelancers and business owners

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!

Erick Daniel, Germany

Trustpilot

5.0

I chose Vivid.Money

I chose Vivid.Money because it allows me to manage accounts for all my businesses in one place. Compared to other online banking systems I’ve tried, it offers the best value for money. For one of my businesses, I upgraded to the Pro account—it gives me access to real human support and the highest interest rates I’ve seen on the market. While their regular customer service is already solid, having the option to speak directly with someone was essential for me to build trust. Beyond the practical benefits, I genuinely appreciate how Vivid.Money supports my financial awareness. It’s a service I enjoy using and one that makes me more financially conscious day by day.

Lorand Balazs Imre, Germany

Trustpilot

4.0

Super quick Business account creation

I’d give 4.5 stars as my experience with Vivid has been great, but there is always room for improvement. Especially setting up the business account was so easy and fast, this really struck me. The new feature with E-invoicing is also quite useful but needs some more work with additional fields (e.g. my own tax ID). Looking forward trying more the cashback programs.

Eric, Germany

Trustpilot

5.0

I really love Vivid Bank

I really love Vivid Bank. Really easy to sign up. I love the fact I can have different space with different account numbers where I can transfer money to. The business account has a great interest rate and most important, the costumer support is excellent, something rare these days. Kudos to you and keep up with the good work!

Shaqueera Grey, Spain

Trustpilot

5.0

Very fast and good

Very fast approval, IBAN with connection to DATEV Unternehmen Online and VISA card within 2 days. Works perferct

Mark, Germany

Trustpilot

5.0

Best business banking platform in Europe

The experience with vivid is super smooth and the terms are great!

Marcel, Germany

Trustpilot

Frequently asked questions (FAQ)

Who can open a non-profit account?
With Vivid, registered associations (e.V.), charitable companies and comparable organisations get a full business account — a digital current account for non-profits that covers all common payment functions. Unregistered associations with a clear structure can also apply if the board is verified. Whoever compares modern banks for non-profits will find a fully digital approach with Vivid. Sports clubs, cultural clubs, support clubs and kindergartens are equally welcome.
Which documents are needed for a non-profit account?
You'll need a current extract from the register of associations (no older than three months), the valid statutes and a board resolution authorising the account opening. The association itself becomes the account holder as a legal entity. All authorised representatives verify online with a valid ID and a selfie. For charitable associations, a tax-exemption notice helps to allocate donation flows correctly.
How do you open a non-profit account online?
You start the application on the Vivid website or in the app. Enter the association's data, upload statutes and the register extract, then complete identification together with the other board members. An online non-profit account is ready as soon as the review passes — you get access to online banking, IBAN and the first card, with no branch appointment required.
What does a non-profit account cost?
On the Standard plan there are no monthly account-keeping fees — keeping Vivid an affordable non-profit account for small and mid-sized organisations. SEPA transfers within the Standard quota, online banking and the digital Visa card are included. If you need more cards or higher withdrawal limits, you can switch to a larger plan anytime. Current terms and pricing live on the pricing page.
Can the account connect to accounting software?
Yes. Vivid provides DATEV-compliant export and MT940 files so the accountant can import transactions directly. Common banking software and bookkeeping software connect via the available interfaces. Treasurer and board skip manual transfer of statements and transaction history — and the year-end closing arrives sooner.
Can I use direct debits for membership fees?
SEPA direct debits are built into the account. Collect membership fees as standing orders or bulk direct debits; one-off contributions run as single debits. No separate software needed. The system recognises returns automatically and assigns them to the relevant member, so the treasurer always knows which fees are outstanding.
Which features does a modern non-profit account offer?
When you open an account for your non-profit, Vivid gives you more than just an IBAN: physical and virtual Visa cards, SEPA transfers within the Standard quota, ATM withdrawals across the eurozone (subject to tariff limits), sub-accounts for projects and donation campaigns, real-time balance, multi-user access with role permissions, and digital receipt capture. The board stays in control of every cash flow.