Plans built for every business

Monthly
Annual
Save up to 24%

  • Free Start

    0 € / month

    Free of charge at all times
    Get started
    • Accounts & Interest
    • Accounts included
      12
    • Team members included
      1
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 1 months*
      3%
    • Fixed interest rate p.a. after 2 months*
      0,1%
    • Variable rate (Interest Strategies), up to*
      5%
    • Currency exchange between own accounts
      Free
    • 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
    • Spending limit in other categories
      100.000 €
    • Transfers
    • Outgoing SEPA Instant transfers
      5 free per month,
      then 0,2 €
    • Fee for outgoing SWIFT transfers
      From 5 €
    • Bulk transfers
      Unlimited
    • Features
    • Invoicing
      Free
    • Bookkeeping documents included
      25
    • 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
    • 24/7 human support
      Yes

  • Basic

    7 € / month
    excl. VAT
    2 months free trial
    Get started
    • Accounts & Interest
    • Accounts included
      15
    • Team members included
      15
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 1 months*
      3%
    • Fixed interest rate p.a. after 2 months*
      0,5%
    • Variable rate (Interest Strategies), up to*
      5%
    • Currency exchange between own accounts
      Free
    • Cards & Cashback
    • Guaranteed unlimited cashback
      0,25%
    • Cashback on selected categories and brands, up to
      4%
    • Virtual and physical cards
      Free
    • Card spending limits for ads & IT services
      Unlimited
    • Spending limit in other categories
      100.000 €
    • Transfers
    • Outgoing SEPA Instant transfers
      Free
    • Fee for outgoing SWIFT transfers
      From 5 €
    • Bulk transfers
      Unlimited
    • Features
    • Invoicing
      Free
    • Bookkeeping documents included
      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
    • 24/7 human support
      Yes

  • Pro

    19 € / month
    excl. VAT
    2 months free trial
    Get started
    • Accounts & Interest
    • Accounts included
      20
    • Team members included
      30
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 1 months*
      3%
    • Fixed interest rate p.a. after 2 months*
      1,3%
    • Variable rate (Interest Strategies), up to*
      5%
    • Currency exchange between own accounts
      Free
    • 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
    • Spending limit in other categories
      100.000 €
    • Transfers
    • Outgoing SEPA Instant transfers
      Free
    • Fee for outgoing SWIFT transfers
      From 5 €
    • Bulk transfers
      Unlimited
    • Features
    • Invoicing
      Free
    • Bookkeeping documents included
      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
    • 24/7 human support
      Yes

Compare all features

MonthlyAnnual (save up to 24%)
free start
0€
Free of charge at all times
basic
7€
monthly, excl VAT
2 months free trial
pro
19€
monthly, excl VAT
2 months free trial
Free of charge at all timesmonthly, excl VAT
2 months free trialmonthly, excl VAT
2 months free trial
Interest
Fixed annual rate in the Interest Account*
4%
4%
4%
The promotional rate of 4 % will be applied to all plans for the first month after opening the Interest Account, and 3 % for the second month.
0.1%
0.5%
1.3%
Variable rate (Interest Strategies), up to*
5%
5%
5%
Cards & Cashback
Guaranteed unlimited cashback
0,1%
0,25%
0,5%
Cashback on selected categories and brands, up to
2%
4%
6%
Virtual cards
Free
Free
Free
Plastic cards
Free
Free
Free
Metal cards
19,90 €
19,90 €
19,90 €
Card payment limits for Ads & IT servicesPayments for Google Ads, Facebook Ads, AWS, Google Cloud, Azure, and others
Unlimited
Unlimited
Unlimited
Card payment limitPer month, excluding Ads, Cloud, and some other payments
100.000 €
100.000 €
100.000 €
Free physical card deliveryOne free delivery per each team member
Yes
Yes
Yes
Invoicing and bookkeeping
Create and send invoices
Free
Free
Free
Bookkeeping documents included
25
Unlimited
Unlimited
Integrations
Integrations (sevDesk, Lexware Office, DATEV, ...)
Free
Free
Free
Export to DATEV Belegbilderservice
No
Yes
Yes
Business travel
Cashback on accommodations up to
30%
30%
30%
Travel booking tool
Free
Free
Free
Crypto Earn account
Rewards on selected crypto assets up toFinal APY after fees
8% APY
8% APY
8% APY
Staking Rewards processing feeApplied to weekly rewards
20%
20%
20%
Staking Rewards infrastructure costsApplied to weekly rewards, dependent on provider and coin
15–30%
15–30%
15–30%
Trading fee, per trade
0,25%
0,25%
0,25%
Financing
Loan up to
250.000 €
250.000 €
250.000 €
Repayment term up to
12 months
12 months
12 months
One-time fee based on term and loan amount, starting from
1%
1%
1%
Support
24/7 human supportWithin minutes via chat and email
Yes
Yes
Yes
Accounts & Team members
Included team members
1
15
30
Included accounts
12
15
20
Monthly fee per extra account above your free limit
3 €
2 €
1 €
Monthly fee per extra team member above your free limit
3 €
2 €
1 €
Monthly fee per inactive virtual cardYou will be charged a monthly fee per each inactive card. An inactive card is one with no successful transactions in the previous billing period.
1 €
0 €
0 €
Monthly fee per inactive physical cardYou will be charged a monthly fee per each inactive card. An inactive card is one with no successful transactions in the previous billing period.
2 €
1 €
0 €
SEPA Transfers and Direct Debits
Outgoing SEPA Instant transfersPer month
5 free, then €0,2 per transfer
Free
Free
Direct Debit switchSeamless switch of direct debits from another bank account to your Vivid account
Free
Free
Free
SWIFT transfers
Incoming international transfersother than SEPA per transfer * This offer is valid until July 31st
Free5 €
Free5 €
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 €
Outgoing international transfersOther than SEPA, ACH, or where you have not used our Guaranteed SWIFT (Hong Kong, Serbia, Uruguay, Vietnam), per transfer
15 €
15 €
15 €
Guaranteed SWIFT (OUR)Transfer when the Guaranteed SWIFT (OUR) option is available and selected by you
30 €
30 €
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 €
0,1%, min 0,5 €
0,1%, min 0,5 €
Other transfers
Transfers to Vivid Business customers
Free
Free
Free
Transfers between own accounts
Free
Free
Free
Fee for currency exchange between own accounts
0 €
0 €
0 €
Fee for bulk transfersPer bulk transfer. * This offer is valid until July 31st
0 €3 €
0 €
0 €
Card payments and withdrawals
Fee for ATM withdrawals
2%
1%
1%
Fee for card payments or withdrawal in non-EUR currencyMarkup over the exchange rate for the execution of non-EUR card transactions
2%
1%
1%
Fee for card payments in EUR
0 €
0 €
0 €
Other
Fee for Legal Entity Identifier (LEI) issuance€25 fee also applies if you downgrade to Free Start within 12 months since your LEI request.
25 €
0 €
0 €
Annual service fee for Interest Strategies*Fee is applied only to the principal amount of the deposit (total deposits — total withdrawals)
1,5%
1%
0,5%
Show full comparison table
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