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 : 18 hours : 32 min : 53 sec
Open an account before the offer ends and get 5% interest rate*
Let your money work for you: Earn 5% fixed interest
- 5% for 5 months in USD or GBP and 4% for 4 months in EUR
- Interest is paid every day
- Money available at any time
- Personal customer support 24/7
Best business account 2025Detective-banque.fr
№1 online bank for businessesLespionnieres.org
Reviews of Vivid: Very goodLecomparatifdesbanques
.com
"Very good level of service"Finance-heros.fr- Trustpilot: Excellent!
Free business account
with 5% interest rate on positive balance
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.
Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.
Here's why customers love us
Excellent! | 25,000+ reviews
Interest account
Earn 5% interest annually
Get 5% p.a. fixed for 5 months* in USD & GBP or 4% p.a. fixed for 4 months* in EUR.
Access to your money any time
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.
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.
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, sevDesk, 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.
Plans
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 € / month
Free 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 SWIFT5 €
- 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 € / monthexcl. VAT
2 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 € / monthexcl. VAT
2 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 €)
- Treasury (stocks, ETFs, crypto)Free
- Digital employees (personal and legal AI assistants)Free
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.
Your money is safe with us
Safely stored
Your funds are placed in assets like deposits with the Central Bank of Luxembourg and high-quality Qualifying Money Market Funds (QMMFs), 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 (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. In the unlikely event of Vivid Money SA 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.