5.0
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
5 days : 12 hours : 32 min : 3 sec
Open an account now and secure 5% interest*
Business account online with French IBAN
- Local account online in 10 minutes
- Free Visa cards with up to 10% cashback
- SWIFT and free instant SEPA transfers
- No hidden commissions or fees
Trustpilot: Excellent! | 28,000+ reviews
Best business account 2025
Detective-banque.fr
№1 online bank for businesses
Lespionnieres.org
Reviews of Vivid: Very good
Lecomparatifdesbanques
.com
"Very good level of service"
Finance-heros.fr
Free business account
with unlimited sub-accounts with IBANs
1
Start using your account from your desktop in 3 easy steps
We accept all business types: Companies, Freelancers, Partnerships and companies in formation.
2
Fully online
We’ll review your documents and get back to you as soon as possible.
3
Activate your business account
Top-up your account via Apple Pay, Google Pay, or use free SEPA transfers. Enjoy 5% interest* and cashback.
Open a business account
Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.
Plans for every business
The base is the same on every plan. What changes is the interest rate, cashback, international payments and card controls.
Monthly
Annual
Save up to 24%
Free Start
0 € / monthFree of charge at all timesA business account with unlimited accounts and team members, cashback and investing, at no monthly fee.
4% annual interest rate for the first 4 months*, then 0.1%
Included:- 0.1% guaranteed cashback on all purchases, up to 2% in categories
- everything in Included in every plan below
- no international transfers, and accounts in EUR only
Basic
6,9 € / month2 months free trialEverything for cross-border business: accounts in 20+ currencies, international transfers and lower card-acceptance fees.
4% annual interest rate for the first 4 months*, then 0.5%
Everything in Free Start, plus:- accounts in over 20 currencies, not just EUR
- international transfers: 5 a month at no fee, then 5 € each
- card payments from clients from 1.49%, instead of 2.29%
- 0.2% guaranteed cashback, up to 4% in categories
- unlimited receipt uploads, with images exported to your accounting software
- ★ Most popular
Pro
18,9 € / month2 months free trialFull card control for a team: advanced limits, category and merchant restrictions, corporate cards, plus higher interest and cashback.
4% annual interest rate for the first 4 months*, then 1.3%
Everything in Basic, plus:- card controls: advanced limits, plus category, merchant and country restrictions
- corporate cards issued in the company name
- card payments from clients from 0.79%
- 0.5% guaranteed cashback, up to 6% in categories
- 10 international transfers a month at no fee
Included in every plan, including the 0 € one
Many providers charge these per transaction or unlock them only on a higher plan. Here they are included from day one.
Day-to-day banking
- unlimited accounts, each with its own French IBAN
- unlimited team members, at no extra cost per person
- virtual and plastic cards at no issuing fee
- free instant SEPA transfers
- incoming international transfers at no fee**
What your money earns
- 4% annual interest rate on EUR for the first 4 months*
- 5% annual interest rate on USD and GBP for the first 5 months*
- business brokerage in the account: stocks, ETFs, iBonds, money market funds
- cashback on every plan, including the 0 € one
Bookkeeping and support
- invoicing and e-invoicing
- Pennylane, Cegid and Sage integrations
- 24/7 support from real people
Trusted by 500.000+ customers across Europe
- 4.7
Trustpilot rating
Rated “Excellent” – 4.7/5 from 28,000+ 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
Here's why customers love us
Excellent! | 28,000+ reviews
Make your money grow effortlessly
Get 5% p.a. fixed for 5 months* in USD & GBP or 4% p.a. fixed for 4 months* in EUR. Your money is invested by us in Qualifying Money Market Funds to generate interest. More about interest can be found here.
Up to 10% cashback on your purchases
Issue a free card for every team member. Pick your favourite cashback categories for the upcoming month.
All purchases, up to 1% Guaranteed unlimited cashback on 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.
Integrations with accounting software
Sync your transactions and bank statements with platforms like DATEV, lexoffice, and others. Stay updated without manual data entry, making expense tracking and tax prep easier.
AgicapCloud-based cash flow management tool for budgeting, forecasting, and liquidity control, helping SMBs improve financial visibility and planning
cegidCloud software suite for accounting, payroll, ERP, and retail management with analytics, automation, and compliance tools for growing companies
SageSolutions for invoicing, expense tracking, bank reconciliation, payroll processing, financial reporting, and tax compliance.
EBPFrench-developed accounting and business management software offering invoicing, payroll, and analytical tools for entrepreneurs and accountants.
DougsOnline accounting and tax advisory service for automates bookkeeping, payroll, and VAT declarations with support from certified accountants.
AxonautAll-in-one business management tool for SMEs, integrating CRM, invoicing, accounting, and HR tools in one user-friendly interface.
PennylaneReal-time accounting and cash flow platform that connects bank accounts, invoices, and accountants for transparent financial management.
RegateAutomation platform for finance teams that simplifies invoice processing, payment approvals, and expense management.
IndySmart administration and accounting tool built specifically for freelancers, automating bookkeeping, tax declarations, and invoicing.
I paid thatCash flow and invoice management platform that centralizes payments, automates reconciliation, and offers real-time financial insights.
NETexcomOnline accounting platform for small and medium businesses, offering invoicing, bank synchronization, and reporting features.
InqomAI-powered automated accounting platform that transforms raw financial data into ready-to-use accounting entries and reports.
EvolizCloud-based invoicing and accounting tool for SMEs, combining CRM, expense tracking, and document management in one tool.
FitecoFrench accounting firm offering digital tools and cloud services for bookkeeping, payroll, and business advisory.
SinaoSimple and intuitive invoicing and accounting solution that helps entrepreneurs and freelancers manage sales, expenses, and cash flow.
AbbyMobile-first accounting and tax management app for freelancers, enabling easy expense tracking, invoicing, and income reporting.
FreebeAll-in-one invoicing and accounting tool designed for self-employed professionals, offering quote management, tax tracking, and income monitoring.
RCAComprehensive accounting and payroll tool for SMEs and accounting firms, integrating financial analysis and tax reporting capabilities.
Self MedSpecialized accounting solution tailored for healthcare professionals, simplifying income tracking, tax preparation, and expense management.
Advanced security features
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.