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

Open a business account

Celebrating excellence
Some of our latest achievements and recognitions
Best Business Account 2025
Finanzfluss.de
Highest Interest Rate for Business 2025
Für-Gründer.de
Top Mobile Banking 2025
Handelsblatt.com
Top German Startups 2024
LinkedIn

The all-in-one solution for companies and freelancers

Business Account

With a quick registration you unlock up to 30 IBANs. Discover the ease of managing all your finances from a single platform.

Interest Account

Earn 4% fixed annual interest* on uninvested cash. Your money grows while staying available at all times.

Unlimited card spendings

Issue a card for every team member, claim guaranteed cashback and make payments for IT & Ads services without worrying about limits.

Cards & Cashback

Start cutting costs with up to 10% monthly cashback on the team’s card purchases at Google Ads, Amazon and others.

Payment solutions

Boost your revenue by making online payments effortless — whether customers pay via bank transfer or card.

Financing

Apply for a loan of up to €250.000 to fulfill all your project needs. Fully online and hassle-free with a trusted partner.

Quick Transfers

Gain full flexibility with SEPA Instant transfers, SWIFT transfers and easy redirects of direct debits.

Personal Account

Enjoy the ease of having your private and business finances in one place and seamlessly switch accounts whenever you need

Invoicing

Issue comprehensive invoices, track what's owed and send reminders.

Bookkeeping

Keep financial records from all your bank accounts organized. Quickly share data with your team or accountants.

Integrations

Streamline all your money management by connecting with powerful accounting tools and financial applications.

Business Travel

The first tool to let you search, book and pay for hotels directly from your account — including up to 30% travel cashback!

Crypto Earn Account

Earn up to 8% Annual Percentage Yield on selected crypto assets and withdraw earnings instantly

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.

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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

Payment period

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

Compare all features

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

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

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.