Every transfer, in and out, is free
Suppliers get paid, buyers pay you, and neither direction costs a fee. Euro payments inside Europe are free with no monthly limit, however many you make.
Financial tools built for wholesalers
Send and receive payments for free, keep a separate account for every supplier, and earn cashback on Amazon and the software you already pay for.
Trustpilot: Excellent! | 30,000+ 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
Everything a wholesale business runs on, in one account
An account for every partner or purpose with the free plan
Open as many accounts as you need, each with its own IBAN: one per supplier, one per product line, one for taxes. Moving money between them is instant and free, and you always see what each one holds.
Manage receipts and invoices digitally
Scan a receipt straight from the app and attach it to the transaction. You always know which receipts are still missing, and everything exports to the accounting tool you already use.
Make your funds work between purchase and payment
Choose how to put idle cash to work, from fixed interest to full portfolio control.
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.
All card payments up to 1%Guaranteed, unlimited cashback€124,16− €12.416,32
Amazon up to 7%Stock and supplies€44,80− €640,00
Anthropic up to 5%AI subscriptions€7,40− €148,00
OpenAI up to 5%AI subscriptions€4,60− €92,00
Earn cashback on what the business actually buys
Amazon, software and the AI tools your team runs on, and everything else the company spends on.
- Up to 7% back on Amazon and up to 5% on software and AI subscriptions, including OpenAI and Anthropic, depending on the plan. Selected categories carry a monthly maximum.
- Up to 1% back on everything else, with no cap.
Pay suppliers abroad in their own currency
Send money to 140+ countries in 30+ currencies, with the exact amount and the fee shown before you send.
Why our customers choose Vivid
100,000+ European businesses spend less on fees, get paid faster, and close the books sooner
See all stories
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.
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
Monthly
Annual
Save up to 24%
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 French 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 € / month2 months free trial- Accounts & Interest
- Free accounts with French 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 € / month2 months free trial- Accounts & Interest
- Free accounts with French 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 cashback0,5%
- 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
Features you get on every plan
- InvoicingFree
- Document uploads for bookkeeping (on every paid plan)Unlimited
- Integrations (sevDesk, Lexware Office, DATEV, ...)Free
- Business travel cashback up to30%
- Crypto Earn rewards up to8% APY
- Fee for receiving card payments from clients (EEA cards), from0,79% (+0,25 €)
- Business Brokerage (stocks, ETFs, crypto)Free
- Digital employees (personal and legal AI assistants)Free
Frequently asked questions
Can I keep suppliers and product lines apart in one account?
Yes. Open a separate account per supplier, product line or purpose, each with its own IBAN, and issue cards on it. What one product line takes in stays in its own account, and each one reconciles on its own.Can I pay suppliers in their own currency?
Yes. Hold money in 30+ currencies and send to 140+ countries. A supplier who invoices in US dollars is paid in US dollars, instead of being converted twice. Paid plans include free international transfers every month, and the exact amount and every fee are shown before you send.What do transfers to a long list of suppliers cost?
Nothing inside Europe. Outgoing SEPA Instant transfers are free on every plan, however many go out and however small they are. A week of payments to two dozen suppliers costs what a single transfer costs. Beyond Europe the monthly free allowance applies.Can the money sitting between deliveries earn something?
Yes. Move what is not needed this week into an interest account and take it back when the next delivery is due. Interest is paid on the balance held there, and access stays instant. The rate depends on the plan and is listed in the pricing table.Is the cashback on all purchases really uncapped?
Yes. Cashback on all purchases has no monthly ceiling, so it keeps paying across the whole month, however large the stock order is. The rate itself depends on the plan. Selected categories, Amazon and software among them, pay a higher rate and those categories do carry a monthly maximum.What does the plan cost?
Free Start plan has no monthly fee. The paid plans come with a 2-month trial and can be cancelled whenever it suits.How long does it take to open an account?
Opening a business account with Vivid works fully online and takes just a few minutes. Once you're verified, the account is ready for payments right away.
