Plans built for every business

Monthly

Payment period

Annual

Save up to 24%

Free Start
0 € / month

Free of charge at all times
Get started
- Accounts & Interest
- Accounts included
  12
- Team members included
  1
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  0,1%
- Variable rate (Interest Strategies), up to*
  5%
- Currency exchange between own accounts
  Free
- 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
- Spending limit in other categories
  100.000 €
- Transfers
- Outgoing SEPA Instant transfers
  5 free per month,
  then 0,2 €
- Outgoing SWIFT transfers
  5 €
- Bulk transfers
  Unlimited
- Features
- Invoicing
  Free
- Bookkeeping documents included
  25
- Payment processing fee (EEA cards)
  2,29% (+0,45 €)
- Integrations (sevDesk, Lexware Office, DATEV, ...)
  Free
- Business travel cashback up to
  30%
- Crypto Earn rewards up to
  8% APY
- 24/7 human support
  Yes
Basic
7 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Accounts included
  15
- Team members included
  15
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  0,5%
- Variable rate (Interest Strategies), up to*
  5%
- Currency exchange between own accounts
  Free
- Cards & Cashback
- Guaranteed unlimited cashback
  0,25%
- Cashback on selected categories and brands, up to
  4%
- Virtual and physical cards
  Free
- Card spending limits for ads & IT services
  Unlimited
- Spending limit in other categories
  100.000 €
- Transfers
- Outgoing SEPA Instant transfers
  Free
- Outgoing SWIFT transfers
  5 free per month, then 5 €
- Bulk transfers
  Unlimited
- Features
- Invoicing
  Free
- Bookkeeping documents included
  Unlimited
- Payment processing fee (EEA cards)
  1,49% (+0,35 €)
- Integrations (sevDesk, Lexware Office, DATEV, ...)
  Free
- Business travel cashback up to
  30%
- Crypto Earn rewards up to
  8% APY
- 24/7 human support
  Yes
Pro
19 € / month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Accounts included
  20
- Team members included
  30
- Initial fixed interest rate p.a.*
  4%
- Fixed interest rate p.a. after 4 months*
  1,3%
- Variable rate (Interest Strategies), up to*
  5%
- Currency exchange between own accounts
  Free
- 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
- Spending limit in other categories
  100.000 €
- Transfers
- Outgoing SEPA Instant transfers
  Free
- Outgoing SWIFT transfers
  10 free per month, then 5 €
- Bulk transfers
  Unlimited
- Features
- Invoicing
  Free
- Bookkeeping documents included
  Unlimited
- Payment processing fee (EEA cards)
  0,79% (+0,25 €)
- Integrations (sevDesk, Lexware Office, DATEV, ...)
  Free
- Business travel cashback up to
  30%
- Crypto Earn rewards up to
  8% APY
- 24/7 human support
  Yes

Compare all features

FreelancersCompaniesEnterprises

MonthlyAnnual (save up to 24%)

free start

0€

Free of charge at all times

basic

7€

monthly, excl VAT
2 months free trial

pro

19€

monthly, excl VAT
2 months free trial

Free of charge at all timesmonthly, excl VAT
2 months free trialmonthly, excl VAT
2 months free trial

Interest

Fixed annual rate in the Interest Account*

The promotional rate of 4% will be applied to all plans for the first 4 months after opening the Interest Account.

0.1%

0.5%

1.3%

Variable rate (Interest Strategies), up to*

Cards & Cashback

Guaranteed unlimited cashback

0,1%

0,25%

0,5%

Cashback on selected categories and brands, up to

Virtual cards

Free

Plastic cards

Free

Metal cards

19,90 €

Card payment limits for Ads & IT servicesPayments for Google Ads, Facebook Ads, AWS, Google Cloud, Azure, and others

Unlimited

Card payment limitPer month, excluding Ads, Cloud, and some other payments

100.000 €

Free physical card deliveryOne free delivery per each team member

Yes

Invoicing and bookkeeping

Create and send invoices

Free

Bookkeeping documents included

Unlimited

Payment processing

Fee (EEA consumer cards)

2,29% (+0,45 €)

1,49% (+0,35 €)

0,79% (+0,25 €)

Fee (other cards)

2,49% (+0,25 €)

Instant payout

0,39%

0,29%

Business travel

Cashback on accommodations up to

30%

Travel booking tool

Free

Crypto Earn account

Rewards on selected crypto assets up toFinal APY after fees

8% APY

Staking Rewards processing feeApplied to weekly rewards

20%

Staking Rewards infrastructure costsApplied to weekly rewards, dependent on provider and coin

15–30%

Trading fee, per trade

0,25%

Support

24/7 human supportWithin minutes via chat and email

Yes

Accounts & Team members

Included team members

Included accounts

Monthly fee per extra account above your free limit

3 €

2 €

1 €

Monthly fee per extra team member above your free limit

3 €

2 €

1 €

Monthly fee per inactive virtual cardYou will be charged a monthly fee per each inactive card. An inactive card is one with no successful transactions in the previous billing period.

1 €

0 €

Monthly fee per inactive physical cardYou will be charged a monthly fee per each inactive card. An inactive card is one with no successful transactions in the previous billing period.

2 €

1 €

0 €

SEPA Transfers and Direct Debits

Outgoing SEPA Instant transfersPer month

5 free, then €0,2 per transfer

Free

Direct Debit switchSeamless switch of direct debits from another bank account to your Vivid account

Free

SWIFT transfers

Incoming international transfersother than SEPA per transfer * This offer is valid until August 31

Free5 €

Outgoing international transfersOther than SEPA, ACH, or using our Guaranteed SWIFT (OUR) option (except to Hong Kong, Serbia, Uruguay, or Vietnam – € 15 applies there), per transfer

5 €

5 free per month, then 5 €

10 free per month, then 5 €

Outgoing international transfersOther than SEPA, ACH, or where you have not used our Guaranteed SWIFT (Hong Kong, Serbia, Uruguay, Vietnam), per transfer

15 €

Guaranteed SWIFT (OUR)Transfer when the Guaranteed SWIFT (OUR) option is available and selected by you

30 €

ACH Outgoing international transferTransfer to a U.S. account that you choose to process via the Automated Clearing House (ACH) network

0,1%, min 0,5 €

Other transfers

Transfers to Vivid Business customers

Free

Transfers between own accounts

Free

Fee for currency exchange between own accounts

0 €

Fee for bulk transfersPer bulk transfer. * This offer is valid until August 31

0 €3 €

0 €

Card payments and withdrawals

Fee for ATM withdrawals

Free up to €500, then 1%

Fee for card payments or withdrawal in non-EUR currencyMarkup over the exchange rate for the execution of non-EUR card transactions

Fee for card payments in EUR

0 €

Other

Fee for Legal Entity Identifier (LEI) issuance€25 fee also applies if you downgrade to Free Start within 12 months since your LEI request.

25 €

0 €

Annual service fee for Interest Strategies*Fee is applied only to the principal amount of the deposit (total deposits — total withdrawals)

1,5%

0,5%

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