Best Business Account 2025

Open an account to enjoy a smooth online registration, high interest rates, instant transfers, and all the financial tools you need. Enable your business to start thriving.

Trustpilot: Excellent! | 18.000+ reviews

  • Celebrating excellence

    Some of our latest achievements and recognitions

  • Best Business Account 2025

    Best Business Account 2025

    Finanzfluss.de

  • Highest Interest Rate for Business 2025

    Highest Interest Rate for Business 2025

    Für-Gründer.de

  • Top Mobile Banking 2025

    Top Mobile Banking 2025

    Handelsblatt.com

  • Top German Startups 2024

    Top German Startups 2024

    LinkedIn

The all-in-one solution for companies and freelancers

Make your money grow effortlessly

Secure a 4% annual interest rate for the first four months, then enjoy up to 2% p.a., depending on your plan.* Your money is invested by us in Qualifying Money Market Funds to generate interest. More about interest can be found here.

interest rate

Here's why customers love us

Excellent! | 18.000+ 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 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
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
Fast and easy to set up this free bank…

Fast and easy to set up this free bank business account. It took 20 minutes to fill in all info and scan all I.D. info. Works for all business types. (1 man band or Public Limited Company)

Luc van Vliet, the Netherlands
Trustpilot

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 4 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
    • Payment processing fee (EEA cards)
      2,29% (+0,45 €)
    • 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 4 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
    • Payment processing fee (EEA cards)
      1,49% (+0,35 €)
    • 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 4 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
    • Payment processing fee (EEA cards)
      0,79% (+0,25 €)
    • 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

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.

Learn more
personal account

Your money is safe with us

Your money is safe with us

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

Superior payment security

We comply with the Payment Card Industry Data Security Standards to protect your payment information.

2-step authentication

2-step authentication

With 3D Secure and two-step authentication we ensure no payment is made without your authorisation.

GDPR compliance

GDPR compliance

Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.