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Smart spend management for marketing agencies

Issue cards per client or per campaign with their own limits, get cashback on ads and AI tools, earn interest on the cash between projects, all in one account.

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Smart spend management for marketing agencies
  • Award: Top Mobile Banking 2026

    Top Mobile Banking 2026

    Handelsblatt

  • Award: Industry Leader 2026

    Industry Leader 2026

    F.A.Z. Institut

  • Award: Best SME Service Provider 2026

    Best SME Service Provider 2026

    WirtschaftsWoche

  • Award: German Service Award 2026

    German Service Award 2026

    DISQ Institut

  • Award: Best Business Account 2026

    Best Business Account 2026

    Für Gründer

Everything the agency runs on, in one account

  • Card payment
    All card payments up to 1%
    Guaranteed, unlimited cashback
    €124,16
    − €12.416,32
  • Google Ads
    Google Ads up to 7%
    Advertising costs
    €339,50
    − €4.850,00
  • Meta
    Meta/Facebook Ads up to 7%
    Advertising costs
    €278,60
    − €3.980,00
  • Figma
    Figma up to 5%
    Design and software
    €9,00
    − €180,00
  • OpenAI
    OpenAI up to 5%
    AI subscriptions
    €4,60
    − €92,00

Get more back from your everyday agency spend

Earn cashback on Google and Meta Ads, software, AI tools and other business expenses.
  • Up to 7% back on Google and Meta Ads and up to 5% on software and AI subscriptions, depending on the plan. Selected categories carry a monthly maximum.
  • Up to 1% back on everything else, with no cap.

A separate account and cards for every client

Keep each client or project in its own account. Issue dedicated cards and set individual limits. No mixed budgets, no sorting things out later.

From payment to accounting, with less admin

Let clients pay by card through a payment link. Match payments to invoices and send them straight to your accounting tool.

Payment links · Instant Payout · Invoice tracking · Accounting export

Make your agency funds work between projects

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.

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

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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.

Your money is safe with us

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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

Superior payment security

We comply with the Payment Card Industry Data Security Standards to protect your payment information.

2-step authentication

2-step authentication

With 3D Secure and two-step authentication we ensure no payment is made without your authorisation.

GDPR compliance

GDPR compliance

Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.

Deposit protection

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

  • 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
    Get started
    • Accounts & Interest
      • Free accounts with unique IBANs
        Unlimited
      • 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 cashback
        0,1%
      • Cashback on selected categories and brands, up to
        2%
      • Virtual and physical cards
        Free
      • Card spending limits for ads & IT services
        Unlimited
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        Not Available
    • Support
      • 24/7 human support
        Yes
  • Basic

    Great fit for small businesses with steady transactions needing reliable everyday banking at a low cost

    6,9 € / month

    Get started
    • Accounts & Interest
      • Free accounts with unique 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*
        1%
    • Cards & Cashback
      • Guaranteed unlimited cashback
        0,2%
      • Cashback on selected categories and brands, up to
        4%
      • Virtual and physical cards
        Free
      • Card spending limits for ads & IT services
        Unlimited
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        5 free per month, then 5 €
    • Support
      • 24/7 human support
        Yes
  • Pro

    Optimal for growing companies with high activity and advanced needs — built to keep fast teams in sync

    18,9 € / month

    Get started
    • Accounts & Interest
      • Free accounts with unique IBANs
        Unlimited
      • 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 cashback
        0,5%
      • Cashback on selected categories and brands, up to
        6%
      • Virtual and physical cards
        Free
      • Card spending limits for ads & IT services
        Unlimited
    • Transfers
      • SEPA Instant
        Free
      • Incoming SWIFT
        Free
      • Outgoing SWIFT
        10 free per month, then 5 €
    • 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

Frequently asked questions

  • 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 media budget is. The rate itself depends on the plan. Selected categories, online advertising among them, pay a higher rate and those categories do carry a monthly maximum.
  • Yes. Virtual cards are issued instantly and each one carries its own monthly limit, which you change whenever the budget does. A card can also be restricted to chosen merchant categories or to selected merchants. So one card clears Google Ads and nothing else. Any card can be locked and unlocked at any time.
  • Yes. Open a money account per client or per project, each with its own IBAN, and issue cards on it for a person, a campaign or a single subscription. Every card carries its own limit, and every account has its own statement. Month end needs no untangling.
  • Free Start plan has no monthly fee. The paid plans come with a 2-month trial and can be cancelled whenever it suits.
  • 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.

Built for every industry