5.0
Good smartphone banking via Vivid. Best experience with customer support. User friendly app design. Recommended for private and business users.
Michael, Poland
Best Business Account 2025
Open an account to enjoy a smooth digital registration, high interest rates, instant transfers, and all the financial tools you need. Enable your business to start thriving.
Trustpilot: Excellent! | 14,000+ reviews
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
Celebrating excellence
Some of our latest achievements and recognitions
Best Free Business Account 2025
Finanzfluss.de
Highest Interest Rate for Business 2025
Für-Gründer.de
Top Mobile Banking 2024
Handelsblatt.com
Top German Startups 2024
LinkedIn
Best Business Account 2025
BILD.de Best in Test
The all-in-one solution for companies and freelancers
Business Account
With a quick registration you unlock up to 30 German IBANs, make instant transfers and start collecting both interest and cashback.
Interest Account
Earn 4% fixed annual interest* on uninvested cash. Your money is yours and stays available at all times.
Cards & Cashback
Claim free cards and cashback for all team members, set individual permissions and forget about shared logins.
International transfers
Gain full flexibility with SEPA Instant Transfers, SWIFT transfers and easy redirects of direct debits.
Personal Account
Enjoy the ease of having all your finances in one place and seamlessly switch whenever you need.
Integrations
Streamline all your money management tools by connecting Vivid with powerful accounting tools and financial applications.
Make your money grow effortlessly
Secure a 4% annual interest rate* for the first two months, then enjoy up to 3% p.a.*, depending on your plan. Your money is invested by us in Qualifying Money Market Funds to generate interest. More about interest can be found here.
Here's why customers love us
TrustScore 4.3 | 14,000+ reviews
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) of high quality, 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 of Luxembourg, Vivid Digital S.r.I. is supervised by Commissione Nazionale per le Società e la Borsa in Italy, 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, Vivid Digital S.r.I. 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.
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.
Personal accounts for executives and team members
Keep a clear overview of all your finances on one platform. Making the most of both your business and private funds is easy with high interest on uninvested cash, cashback for every card purchase and a wide range of stock investment options, ETFs and cryptocurrencies.
