A business account for freelancers

Sign up in minutes and get unlimited IBANs plus free SEPA transfers. Earn high cashback, 5% interest p.a.* and use all the financial tools that move your business forward.

Trustpilot: Excellent! | 25,000+ reviews

Hero
  • Award: Best business account 2025

    Best business account 2025

    Detective-banque.fr

  • Award: №1 online bank for businesses

    №1 online bank for businesses

    Lespionnieres.org

  • Award: Reviews of Vivid: Very good

    Reviews of Vivid: Very good

    Lecomparatifdesbanques
    .com

  • Award: "Very good level of service"

    "Very good level of service"

    Finance-heros.fr

A premium account for the self-employed

  • All the essentials, no monthly fee
  • Unlimited SEPA Instant transfers
  • As many IBANs as you need for clear project overview
  • 5% interest p.a. on uninvested funds*
  • Invoicing & accounting tools included

Easy to use

  • Business and personal accounts on one platform

    Keep personal and business finances clearly separate and switch between them effortlessly. Track every transaction in real time via the web portal or the mobile app.

  • Free cards with high limits

    Pick a custom design and spending limit for every debit card and get your first physical card delivered free. With virtual cards you can pay in store straight from your phone.

  • Fast, personal support

    Our team is happy to help you around the clock in the language of your choice. Reach out via in-app chat or email and tell us how we can help.

Open a freelancer business account

Country
Business type
Legal entity type
Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.

Trusted by thousands of freelancers

Winner in the category "Best digital business accounts for freelancers" by Handelsblatt & "Highest customer trust" in the category "Neobanks" by WirtschaftsWoche

Open an account without SCHUFA check

1

Sign up — no paperwork

Start opening your freelancer account online in 10 minutes — from the browser or the mobile app.

2

Verification as a self-employed

Once you've verified your identity by photo, we'll check your business details and unlock your account — no SCHUFA check needed.

3

Enjoy seamless banking

Use as many IBANs as you need, send invoices, and pay contactless by card, Google Pay or Apple Pay.

Bookkeeping and taxes made easy

Finances in one place = a clear overview

Finances in one place = a clear overview

Redirect existing direct debits to Vivid Business and sync tools like DATEV or sevDesk in just a few clicks. No more chaos in your day-to-day banking and bookkeeping.
From tax prep to tax return

From tax prep to tax return

Spending on your business account gets categorised automatically and receipts are scanned in. The AI assistant identifies tax-deductible items, and once a year you get a free overview. Submit it yourself or let the pros take care of it.

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.

Open a business account

Learn more
interest rate

Cut your business spending with cashback

Pick your favourite cashback categories for the upcoming month. Receive up to €150 cashback/month on card purchases for the selected categories.

payment

Instant cashback

Metal card •1337
  • Card payment
    All card payments up to 1%
    Guaranteed, unlimited cashback
    €124,16
    − €12.416,32
  • Google Ads
    Growth
    Advertising costs
    €49,98
    − €980,00
  • Aral
    Main account
    Gas stations
    €3,54
    − €118,21
  • Rewe
    Main account
    Meals
    €14,80
    − €740,00

Plans for freelancers

Monthly
Annual
Save up to 24%

Best for busy professionals who handle various clients and need advanced controls for fast operations

  • Standard

    Perfect for new freelancers and entrepreneurs testing essential business banking with no monthly fees

    0 € / month
    Free of charge at all times
    Get started
    • Accounts & Interest
      • Free accounts with French IBANs
        Unlimited
      • 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*
        0,5%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,1%
      • Cashback on selected categories and brands, up to
        2%
      • Virtual and physical cards
        Free
      • Card spending limit
        50.000 €
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        5 €
      • Fee for card top-up


        200 € free, then from 1%, min 0,49 €
    • Support
      • 24/7 human support
        Yes

  • Prime

    Ideal for growing solo businesses wanting more tools and smoother daily workflows at fair pricing

    6,9 € / month
    2 months free trial
    Get started
    • Accounts & Interest
      • Free accounts with French IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        2,5%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        2%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,2%
      • Cashback on selected categories and brands, up to
        4%
      • Virtual and physical cards
        Free
      • Card spending limit
        50.000 €
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        5 free per month, then 5 €
      • Fee for card top-up


        1.000 € free, then from 1%, min 0,49 €
    • Support
      • 24/7 human support
        Yes

  • Pro

    Best for busy professionals who handle various clients and need advanced controls for fast operations

    18,9 € / month
    2 months free trial
    Get started
    • Accounts & Interest
      • Free accounts with French IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        2,6%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        2,5%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,5%
      • Cashback on selected categories and brands, up to
        6%
      • Virtual and physical cards
        Free
      • Card spending limit
        50.000 €
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        10 free per month, then 5 €
      • Fee for card top-up


        1.000 € free, then from 1%, min 0,49 €
    • Support
      • 24/7 human support
        Yes

  • Pro+

    Built for full-time, high-volume freelancers seeking maximum perks and pro-level control, end to end

    41 € / month
    2 months free trial
    Get started
    • Accounts & Interest
      • Free accounts with French IBANs
        Unlimited
      • Initial fixed interest rate p.a.*
        4%
      • Fixed interest rate p.a. after 4 months*
        2,7%
      • Initial fixed interest rate p.a., USD/GBP*
        5%
      • Fixed interest rate p.a. after 5 months, USD/GBP*
        3%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,75%
      • Cashback on selected categories and brands, up to
        8%
      • Virtual and physical cards
        Free
      • Card spending limit
        50.000 €
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        15 free per month, then 5 €
      • Fee for card top-up


        1.000 € free, then from 1%, min 0,49 €
    • Support
      • 24/7 human support
        Yes
Features you get on every plan
  • Invoicing
    Free
  • Document uploads for bookkeeping (on every paid plan)
    Unlimited
  • Integrations (sevDesk, Lexware Office, DATEV, ...)
    Free
  • Business travel cashback up to
    30%
  • Crypto Earn rewards up to
    8% APY
  • Fee for receiving card payments from clients (EEA cards), from
    0,79% (+0,25 €)
  • Business Brokerage (stocks, ETFs, crypto)
    Free
  • Digital employees (personal and legal AI assistants)
    Free
Compare all features

Here's why customers love us

Excellent! | 25,000+ 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 chose Vivid.Money

I chose Vivid.Money because it allows me to manage accounts for all my businesses in one place. Compared to other online banking systems I’ve tried, it offers the best value for money. For one of my businesses, I upgraded to the Pro account—it gives me access to real human support and the highest interest rates I’ve seen on the market. While their regular customer service is already solid, having the option to speak directly with someone was essential for me to build trust. Beyond the practical benefits, I genuinely appreciate how Vivid.Money supports my financial awareness. It’s a service I enjoy using and one that makes me more financially conscious day by day.

Lorand Balazs Imre, Germany
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
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
5.0
Very fast and good

Very fast approval, IBAN with connection to DATEV Unternehmen Online and VISA card within 2 days. Works perferct

Mark, Germany
Trustpilot
5.0
Best business banking platform in Europe

The experience with vivid is super smooth and the terms are great!

Marcel, Germany
Trustpilot

Frequently asked questions about business accounts for the self-employed

  • Is a business account mandatory for the self-employed?

    No. The law doesn't require a business account, but it brings clear benefits. A business account lets freelancers, small business owners and traders cleanly separate personal and business spending, simplifies bookkeeping and speeds up your tax return. Modern solutions like Vivid Business are built around the needs of the self-employed: automatic spending categorisation, receipt capture and invoicing, plus integrations with accounting tools — making your income-surplus calculation much easier.
  • With modern financial platforms, opening an account for the self-employed is usually straightforward online — no branch visit or slow PostIdent process required. After photo or video ID, your personal and business details are checked, and either individual features are unlocked or you get full access to the business account.
  • Yes. Vivid's "Standard" plan offers the self-employed plenty of features with no monthly fee. Charges may apply if the account is rarely used or you opt for extra services. All costs and fees are transparently listed in the pricing table.
  • No. Opening a business account for freelancers with Vivid doesn't require a SCHUFA check. Your data is processed strictly according to the legal requirements for identity verification. Even with a negative SCHUFA report or existing SCHUFA entries, you can still open an account for the self-employed at Vivid. Opening the account also has no impact on your SCHUFA score.
  • If you're a small business owner, freelancer or trader, your ID card, your tax identification number and proof of your freelance activity are usually enough. If we need anything else to open your Vivid business account, we'll get in touch quickly.
  • Yes. You can be self-employed on the side and still open a business account — it's even a good idea, to clearly separate personal and business finances. Many banks and neobanks offer dedicated accounts for side-hustlers that don't require a business registration or extensive paperwork. The process is similar to a freelancer account: usually you just need your ID, your tax ID and proof of your side activity (for example, registration with the tax office as a freelance or trade activity, or confirmation from your employer if you're employed in your main job).