Best Business Account 2024

The Financial Platform for Companies and Freelancers. Fast registration, German IBANs, instant transfers, and all the financial tools you need to thrive.
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
  • Best Business Account 2024
    Best Business Account 2024
    BILD.de Best in Test
  • Highest Interest Rate for Business 2024
    Highest Interest Rate for Business 2024
    Für-Gründer.de
  • Top Mobile Banking 2024
    Top Mobile Banking 2024
    Handelsblatt
  • Top German Startups 2024
    Top German Startups 2024
    LinkedIn
  • Trustpilot: Great!
  • Best Business Account 2024
    Best Business Account 2024
    BILD.de Best in Test
  • Highest Interest Rate for Business 2024
    Highest Interest Rate for Business 2024
    Für-Gründer.de
  • Top Mobile Banking 2024
    Top Mobile Banking 2024
    Handelsblatt
  • Top German Startups 2024
    Top German Startups 2024
    LinkedIn
  • Trustpilot: Great!
Person writing
  • Free account with up to 30 DE IBANs

  • Integrations with accounting software

  • 5% p.a. interest rate on positive balance

  • Cashback on every purchase with free VISA card for every team member

  • SWIFT and SEPA instant transfers

  • Open a business account

Get up to 10% cashback for every card purchase

Issue a free card for every team member. Pick your favourite cashback categories for the upcoming month. Receive up to €150 cashback/month on card purchases for the selected categories.

payment
  • All purchases, up to 2%

    All purchases, excl. ATM withdrawals and SEPA transfers.

  • Facebook advertising, up to 10%

    Purchases of Facebook advertising.

  • Amazon, up to 10%

    Purchases on Amazon.

  • Google advertising, up to 10%

    Purchases of Google advertising.

  • More categories

    Pick your favourite cashback categories every month.

Discover cashback

All-in-One Business Account

your interest rate
Earn 5% interest annually

Keep your uninvested cash in your Interest Account and earn 5% per year for the first 2 months. When the promo period is over, you earn up to 3.5%*. The interest rates will change starting January 2, 2025. Learn more.

Instant access to your money

Top-up and withdraw your funds any day, any time. Money is immediately available upon withdrawal to your Business account.

We keep your money safe

To protect your money while offering a good return, we invest your money in Money Market Funds (MMF). All the funds we use have AAA/Aaa ratings from rating agencies such as S&P and Moody's and Fitch. Read more about how Vivid safeguards your funds here.

Open a business account
Investing always involves risks and your initial investment amount cannot be guaranteed. You can find more information about Money Market Funds and the risks of investing in financial instruments here.
  • acoounts-list.main

    Main account

    €134,000.00

    🇩🇪 IBAN • 4565

  • acoounts-list.employee

    Employees

    €4,906.00

    🇩🇪 IBAN • 1337

  • acoounts-list.taxes

    Taxes, Employee benefits, Payroll

    €11,700.00

    🇩🇪 IBAN • 1620

  • acoounts-list.savings

    Savings

    €1890.00

    🇩🇪 IBAN • 1890

Free account with up to 30 DE IBANs

Full online registration—no in-person step. Friendly onboarding: everyone’s situation is unique and we consider each case individually.

Instant SEPA transfers

Instant SEPA transfers

Get and send transfers in a few seconds with SEPA Instant. Accept funds internationally with SWIFT transfers.

Pay and get paid in 50+ countries
22 currencies available
Exchange currencies in real-time and commission-free
Clear fixed fee of €5 per SWIFT transaction

Get a clear and fixed fee of €5 per SWIFT transfer you do, making international transactions more predictable and cost-effective.

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Virtual Card

Free physical and virtual cards

Free delivery of the first physical card for each member of your company. High spending limits on each card to match your needs.

Team access with personalized permissions

Team access with personalized permissions

Assign Admin roles to employees for full access to the account, and Assistant roles to external accountants and employees for limited access.

Integrations with accounting software

Sync your transactions and bank statements with platforms like DATEV, sevDesk, and others. Stay updated without manual data entry, making expense tracking and tax prep easier.

  • DATEV

    DATEV

    Specialized software for accountants, tax advisors, and lawyers in Germany.

  • sevDesk

    sevDesk

    Online invoicing and accounting software for small businesses and freelancers.

  • Commitly

    Commitly

    Cash flow management software for businesses.

  • Puls Project

    Puls Project

    Cashflow management and funding software for small and medium businesses.

Mobile app

Organise your budget and payments by opening multiple accounts with separate IBANs. Send money in a few taps. Issue, customise, freeze and manage your virtual and physical cards in your app.

Install app

Web app—for business accounts

Oversee your personal and business accounts in the same mobile app—switch between them seamlessly. Use our web app to conveniently manage your business account from your computer.

Open a business account

Organise your budget and payments by opening multiple accounts with separate IBANs. Send money in a few taps. Issue, customise, freeze and manage your virtual and physical cards in your app.

Get the app
PCI DSS

PCI DSS

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

3D Secure

3D Secure

We use two-step authentication for every online purchase, ensuring no payment is processed without your authorisation.

GDPR

GDPR

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

Plans

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
enterprise
79
monthly, excl VAT
2 months free trial
enterprise+
249
monthly, excl VAT
Free of charge at all timesmonthly, excl VAT
2 months free trial
monthly, excl VAT
2 months free trial
monthly, excl VAT
2 months free trial
monthly, excl VAT
Interest Rate
Interest account rate*
5%
5%
5%
5%
5%
The promotional rate will be applied to all plans for the first 2 months after opening the Interest Account, if you open the Account starting from the 6th of May.

The interest rates will change starting January 2, 2025. Learn more
1%
2%
3%
3.5%
3.5%
Cards & Cashback
Cashback up to
1%
1%
2%
4%
5%
Virtual cards
Free
Free
Free
Free
Free
Plastic cards
Free
Free
Free
Free
Free
Metal cards
€19.90
€19.90
€19.90
€19.90
€19.90
Card payments limit for Ads & IT servicesPayments for Google Ads, Facebook Ads, AWS, Google Cloud, Azure, and others
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Card payments limitPer month, excluding Ads, Cloud, and some other payments
€ 100 000
€ 100 000
€ 100 000
€ 100 000
€ 200 000
Free physical card deliveryOne per each added team member
Yes
Yes
Yes
Yes
Yes
Support
24/7 human supportWithin minutes via chat and email
Yes
Yes
Yes
Yes
Yes
Accounts & Team members
Included team members
1
3
10
30
50
Included accounts
1
3
10
30
50
Monthly fee per extra account above your free limit
€3
€2
€1
€1
€1
Monthly fee per extra team member above your free limit
€3
€2
€1
€1
€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
€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
€0
€0
SEPA transfers
Outgoing SEPA Instant transfersPer month
5 free, then €0,2 per transfer
Free
Free
Free
Free
SWIFT transfers
Fee for incoming international transfersother than SEPA per transfer * This offer is valid until January 31st
Free€5
Free€5
Free€5
Free€5
Free€5
Fee for outgoing international transfers (SHA)other than SEPA per transfer SHA option
€5
€5
€5
€5
€5
Fee for outgoing international transfers (OUR)other than SEPA per transfer incl. external bank handling fees
€30
€30
€30
€30
€30
Other transfers
Transfer to Vivid Business customers
Free
Free
Free
Free
Free
Transfer between own accounts
Free
Free
Free
Free
Free
Fee for bulk transfersPer each bulk transfer. * This offer is valid until November 30th.
€0€3
€0
€0
€0
€0
ATM withdrawals
Fee for ATM withdrawals
2%
1%
1%
1%
1%
Currency exchange feeMarkup over the exchange rate for the execution of non-EUR card transactions
2%
1%
1%
1%
1%
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
€0
€0

Your money is safe with us

Flowers

Safely stored

Your funds are placed in assets like deposits with the Central Bank of Luxembourg and high-quality qualifying money market funds 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 of Luxembourg, Vivid Digital S.r.I. is supervised by Commissione Nazionale per le Società e la Borsa in Italy, 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, Vivid Digital S.r.I. 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.

Open business account
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.