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.
Business accounts, expenses and cash management all in one platform
Built for companies with a team that spends and real balances to manage. Cards, budgets and approvals decide who spends what before it happens. Fixed interest and managed portfolios put idle cash to work. IBANs and transfers come as standard.
Trustpilot: Excellent! | 30,000+ reviews
Expense management
Set the rules once: who spends what, who signs off, what lands in the books.
Corporate cards
Cards assigned to a person or to the company, each with its own rules: limits, allowed merchants, up to 10% cashback. Metal, plastic or virtual.
Learn moreBudgets
newApprove the budget once, not every payment. Run several budgets from one IBAN, no shuffling money between accounts, and watch each one live.
Learn moreCustom roles
Access that stops where the job does. Tick what a role can do and which accounts it sees. The rest simply isn’t there.
Learn morePayment approvals
Nothing leaves without a second look. Up to three approval steps, routed automatically. Approve or reject from your phone.
Learn moreBookkeeping and receipts
Close the month without chasing receipts. Scanned in the app, matched to payments, VAT included. One-click export for your accountant.
Learn moreRegulated by the CSSF, Luxembourg
Client funds held segregated
Protected beyond €100,000
Cash management
Choose how you invest your company’s cash, from fixed interest to full portfolio control.
Fixed interest
Earn a fixed return with high liquidity and conservative risk, ideal for operational cash.
Learn moreModel portfolios
Market-based returns with diversified ETF & ETC portfolios, designed for mid-term reserve cash.
Learn moreBusiness brokerage
Advanced investing with full control: higher potential returns across stocks, funds, bonds and crypto.
Learn moreSafeguarding
Protected beyond €100,000
Uninvested funds held segregated
Investment firm
AFM · Netherlands
Vivid Money B.V.
Fund managers
Curated cash shelf
Fidelity · DWS · BlackRock
Investing always involves risks. Therefore, the value of your investment and the income from it will vary and your initial investment amount cannot be guaranteed. You may not get back the amount originally invested. You can find more information about the risks of investing in financial instruments here. Crypto-assets are highly speculative and volatile, and your capital is at risk. For the full list of crypto-asset risks, see here.
The all-in-one solution for companies
Find the right solution for you
Personal accounts for executives and team members
Keep a clear overview of all your finances on one platform. Making the most of both your business and private funds is easy with high interest on uninvested cash, cashback for every card purchase and a wide range of stock investment options, ETFs and cryptocurrencies.

Trusted by 500,000+ people across Europe
Real reviews and honest feedback show why companies choose Vivid.
- 4.7
Trustpilot rating
Rated “Excellent”: 4.7/5 from 30,000+ reviews
- 4.6
App Store & Google Play
4.6/5 from 53,000+ ratings for “Vivid Business & Personal” mobile app
- 24 / 7
Support
Human customer service, day and night
«Vivid isn’t just growing fast: it’s strategically layering in capabilities that might one day redefine SME banking norms.»
The Digital Banker

Your money is safe with us

Safely stored
Your money is safeguarded in full: in segregated client-money accounts with European partner banks and in a Qualifying Money Market Fund (QMMF), which may only hold low risk, highly liquid assets. 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 and safeguarded in full. In the unlikely event of Vivid Money S.A. becoming insolvent, your balance would not form part of its estate and would be claimable by you - there is no upper limit. On top of that, funds we hold for you in our client-money account at Natixis (France) are covered by the French statutory deposit guarantee, up to €100,000 per customer, if that bank were to fail. That cover applies to the funds held in that account, not to your full balance, and money market fund holdings are not deposits and are not covered. 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.

Deposit protection
Your balance is safeguarded in full by Vivid Money S.A. Funds at our partner bank Natixis (France) also carry the French deposit guarantee, up to €100,000 per customer.
Plans built for every business
Optimal for growing companies with high activity and advanced needs, built to keep fast teams in sync
- Get started
Free Start
Suited for newly registered companies setting up finances and looking to try key banking features for free
0 € / monthFree of charge at all times- Accounts & Interest
- Free accounts with unique IBANsUnlimited
- 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 cashback0,1%
- Cashback on selected categories and brands, up to2%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFTNot Available
- Support
- 24/7 human supportYes
- Accounts & Interest
- Get started
Basic
Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost
6,9 € / month- Accounts & Interest
- Free accounts with unique IBANsUnlimited
- 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 cashback0,2%
- Cashback on selected categories and brands, up to4%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT5 free per month, then 5 €
- Support
- 24/7 human supportYes
- Accounts & Interest
- Get started
Pro
Optimal for growing companies with high activity and advanced needs, built to keep fast teams in sync
18,9 € / month- Accounts & Interest
- Free accounts with unique IBANsUnlimited
- 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 cashback0,35%
- Cashback on selected categories and brands, up to6%
- Virtual and physical cardsFree
- Card spending limits for ads & IT servicesUnlimited
- Transfers
- SEPA InstantFree
- Incoming SWIFTFree
- Outgoing SWIFT10 free per month, then 5 €
- Support
- 24/7 human supportYes
- Accounts & Interest
- InvoicingFree
- Document uploads for bookkeeping (on every paid plan)Unlimited
- Integrations with accounting softwareFree
- Business travel cashback up to30%
- Crypto Earn rewards up to8% APY
- Maximum loan amount & repayment term200,000 €,
12 months - Fee for receiving card payments from clients (EEA cards), from0,79% (+0,25 €)
- Business Brokerage (stocks, ETFs, crypto)Free
- Tax filing (for freelancers)Free
- POS terminalFree
- Flat transaction fee (all cards)Up to 1.49%
- Digital employees (personal and legal AI assistants)Free







































