Earn interest — every single day
Once you have opened an Interest Account and made your first deposit, you are ready to earn. Returns are added to the Interest Account every business day. Sit back and relax while watching your balance grow.
The Interest Account that makes your money work for you
Grow your funds with 4% fixed annual interest rate*. Or get up to 5% variable annual rate* with one of our Interest Strategies: a mixed portfolio that combines uninvested cash and bond ETFs.
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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
4% fixed annual interest rate on your uninvested cash
With an Interest Account at Vivid, you make the most of your uninvested cash. Secure a 4% fixed annual interest rate for the first four months* — then enjoy up to 2% p.a., depending on your plan.
Access your cash instantly
Stop locking away your money with old-fashioned fixed-term saving products! While your funds are held in the Interest Account, you can withdraw it anytime.* Transfer your cash to a Money Account whenever you need to.
Your funds in trusted hands
Vivid Money B.V., part of the Vivid Money Group, is licensed and regulated by the Dutch financial authority AFM as an investment firm.
To protect your funds while offering a positive return, we invest your uninvested cash in Money Market Funds (MMFs) with AAA/Aaa ratings from agencies such as S&P, Moody's and Fitch. Learn how Vivid safeguards your funds here.
Up to 5% variable annual interest rate with Interest Strategies
Ready to boost your interest earnings by diversifying your investments? Unlock a variable annual interest rate with daily returns from a mix of investment-grade or high-yield corporate bond ETFs, along with cash.
Interest strategies are not available in Portugal, Poland, Hungary, Bulgaria. The specified rate is valid as of 3/06/2025 and does not include fees.
Hassle-free portfolio investments
Choose between our Growth, Balanced or Conservative strategies, based on your preferred level of risk and return.
Whatever you deposit and withdraw — together we'll ensure your portfolio is rebalanced.
How to get started with Interest Strategies
Open a Vivid Business account and deposit funds in the Interest Account. Then simply switch to the strategy mode and select a strategy that matches your earning goals and risk tolerance. Read more about maximising your returns in a few taps here!
Backed by BlackRock
With Interest Strategies, your money is invested in bond ETFs managed by BlackRock — one of the world's most renowned asset managers, entrusted with over $11 trillion in assets.
Investing always involves risks and your initial investment amount cannot be guaranteed. You can find more information here.
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
All-in-one financial management
Plans built for every business
Monthly
Annual
Save up to 24%
Best for growing companies with more activity and advanced needs — built to keep fast teams in sync
- Get started
Free Start
Perfect for newly registered companies setting up finances and trying key banking features for free
0 € / month
Free of charge at all times- Accounts & Interest
- Free accounts with unique IBANs12
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*0,1%
- 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 InstantOutgoing: 5 free per month, then 0,2 €
- Incoming SWIFTFree
- Outgoing SWIFT5 €
- Support
- 24/7 human supportYes
- Get started
Basic
Ideal for small businesses with steady transactions needing reliable everyday banking at low cost
7 € / monthexcl. VAT
2 months free trial- Accounts & Interest
- Free accounts with unique IBANs15
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*0,5%
- Cards & Cashback
- Guaranteed unlimited cashback0,25%
- 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
- Get started
Pro
Best for growing companies with more activity and advanced needs — built to keep fast teams in sync
19 € / monthexcl. VAT
2 months free trial- Accounts & Interest
- Free accounts with unique IBANs20
- Initial fixed interest rate p.a.*4%
- Fixed interest rate p.a. after 4 months*1,3%
- 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
Features you get on every plan
- InvoicingFree
- Documents to be attached 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 €)