Plans built for every business

Monthly

Payment period

Annual

Save up to 24%

Best for busy professionals handling higher volumes who need advanced controls and faster operations

Standard
Perfect for new freelancers and enterpreneurs testing essential business banking with no monthly fees
0 € / month

Free of charge at all times
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  12
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  0,5%
- Cards & Cashback
- Guaranteed unlimited cashback
  0,1%
- Cashback on selected categories and brands, up to
  2%
- Virtual and physical cards
  Free
- Card spending limit
  50.000 €
- Transfers
- SEPA Instant
  Free
- Incoming SWIFT
  Free
- Outgoing SWIFT
  5 €
- Fee for card top-up  
  200 € free,
  then from 1%,
  min 0,49 €
- Support
- 24/7 human support
  Yes
Prime
Ideal for growing solo businesses wanting more tools and smoother daily workflows at fair pricing
7,9 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  15
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  2,5%
- Cards & Cashback
- Guaranteed unlimited cashback
  0,5%
- Cashback on selected categories and brands, up to
  4%
- Virtual and physical cards
  Free
- Card spending limit
  50.000 €
- Transfers
- SEPA Instant
  Free
- Incoming SWIFT
  Free
- Outgoing SWIFT
  5 free per month, then 5 €
- Fee for card top-up  
  1.000 € free,
  then from 1%,
  min 0,49 €
- Support
- 24/7 human support
  Yes
Pro
Best for busy professionals handling higher volumes who need advanced controls and faster operations
19 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  20
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  2,6%
- Cards & Cashback
- Guaranteed unlimited cashback
  0,75%
- Cashback on selected categories and brands, up to
  6%
- Virtual and physical cards
  Free
- Card spending limit
  50.000 €
- Transfers
- SEPA Instant
  Free
- Incoming SWIFT
  Free
- Outgoing SWIFT
  10 free per month, then 5 €
- Fee for card top-up  
  1.000 € free, then from 1%, min 0,49 €
- Support
- 24/7 human support
  Yes
Pro+
Built for full-time, high-volume freelancers seeking maximum perks and pro-level control, end to end
41 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Free accounts with unique IBANs
  30
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  2,7%
- Cards & Cashback
- Guaranteed unlimited cashback
  1%
- Cashback on selected categories and brands, up to
  8%
- Virtual and physical cards
  Free
- Card spending limit
  50.000 €
- Transfers
- SEPA Instant
  Free
- Incoming SWIFT
  Free
- Outgoing SWIFT
  15 free per month, then 5 €
- Fee for card top-up  
  1.000 € free, then from 1%, min 0,49 €
- Support
- 24/7 human support
  Yes

Features you get on every plan

Invoicing
Free
Documents to be attached 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
250.000 €,
12 months
Fee for receiving card payments from clients (EEA cards), from
0,79% (+0,25 €)

Compare all features

FreelancersCompaniesEnterprises

MonthlyAnnual (save up to 24%)

standard

0€

Free of charge at all times

prime

7.9€

monthly, excl VAT
2 months free trial

pro

19€

monthly, excl VAT
2 months free trial

pro+

41€

monthly, excl VAT
2 months free trial

Free of charge at all timesmonthly, excl VAT
2 months free trialmonthly, excl VAT
2 months free trialmonthly, excl VAT
2 months free trial

Fixed interest rate*The promotional rate will be applied to all plans for the first 4 months after opening the Interest Account for the balance up to €100,000.

4%0,5%

4%2,5%

4%2,6%

4%2,7%

Variable rate (Interest Strategies), up to*

Guaranteed unlimited cashback

0,1%

0,5%

0,75%

Cashback on selected categories and brands, up to

Outgoing SEPA transfers

Free

Direct Debit switchSeamless switch of direct debits from another bank account to your Vivid account

Free

Fee for adding a Team Memberabove one Assistant, no further Team Members are possible

3 €

2 €

1 €

Included accounts

Virtual cards

Free

Physical cards

Free

Card payment limitPer month

50.000 €

Free physical card deliveryFor the first card

Yes

Invoicing and bookkeeping

Free

Documents to be attached for bookkeeping

Unlimited

Fee (EEA consumer cards)

0,99% (+0,25 €)

0,89% (+0,25 €)

0,79% (+0,25 €)

Fee (other cards)

2,49% (+0,25 €)

Instant payout

0,39%

0,29%

Integrations (sevDesk, Lexware Office, DATEV, ...)

Free

Export to DATEV Belegbilderservice

Yes

Cashback on accommodations up to

30%

Travel booking tool

Free

Rewards on selected crypto assets up toFinal APY after fees

8% APY

Staking Rewards processing feeApplied to weekly rewards

20%

Staking Rewards infrastructure costsApplied to weekly rewards, dependent on provider and coin

15–30%

Trading fee, per trade

0,25%

Loan up to

250.000 €

Repayment term up to

12 months

One-time fee based on term and loan amount, starting from

24/7 human supportWithin minutes via chat and email

Yes

Transfers to Vivid Business customers

Free

Transfers between own accounts

Free

Fee for currency exchange between own accounts

0 €

Monthly fee per extra account above the free limit

3 €

2 €

1 €

Fee for any physical card delivery above your free limit

9,90 €

Fee for fast physical card delivery

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

Free up to €1500

Free up to €2000

Fee for card payments in EUR

0 €

Fee for card payments or withdrawal in non-EUR currencyMark-up over the exchange rate for execution of non-EUR card transactions

Incoming international transfersother than SEPA per transfer * This offer is valid until October 31

Free5 €

Outgoing international transfersOther than SEPA, ACH, or using our Guaranteed SWIFT (OUR) option (except to Hong Kong, Serbia, Uruguay, or Vietnam – € 15 applies there), per transfer

5 €

5 free per month, then 5 €

10 free per month, then 5 €

15 free per month, then 5 €

Outgoing international transfersOther than SEPA, ACH, or where you have not used our Guaranteed SWIFT (Hong Kong, Serbia, Uruguay, Vietnam), per transfer

15 €

Guaranteed SWIFT (OUR)Transfer when the Guaranteed SWIFT (OUR) option is available and selected by you

30 €

ACH Outgoing international transferTransfer to a U.S. account that you choose to process via the Automated Clearing House (ACH) network

0,1%, min 0,5 €

Annual service fee for Interest Strategies*Fee is applied only to the principal amount of the deposit (total deposits — total withdrawals)

1,5%

0,5%

0,4%

0,3%

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