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

  • 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
    Get started
    • Accounts & Interest
    • Free accounts with unique IBANs
      12
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      0,1%
    • 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
      Outgoing: 5 free per month, then 0,2 €
    • Incoming SWIFT
      Free
    • Outgoing SWIFT
      5 €
    • Support
    • 24/7 human support
      Yes

  • Basic

    Ideal for small businesses with steady transactions needing reliable everyday banking at low cost

    7 € / month
    excl. VAT
    2 months free trial
    Get started
    • Accounts & Interest
    • Free accounts with unique IBANs
      15
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      0,5%
    • 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
    • Transfers
    • SEPA Instant
      Free
    • Incoming SWIFT
      Free
    • Outgoing SWIFT
      5 free per month, then 5 €
    • Support
    • 24/7 human support
      Yes

  • Pro

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

    19 € / month
    excl. VAT
    2 months free trial
    Get started
    • Accounts & Interest
    • Free accounts with unique IBANs
      20
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      1,3%
    • 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
  • Documents to be attached 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 €)

Compare all features

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*
4%
4%
4%
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*
5%
5%
5%
Cards & Cashback
Guaranteed unlimited cashback
0,1%
0,25%
0,5%
Cashback on selected categories and brands, up to
2%
4%
6%
Virtual cards
Free
Free
Free
Plastic cards
Free
Free
Free
Metal cards
19,90 €
19,90 €
19,90 €
Card payment limits for Ads & IT servicesPayments for Google Ads, Facebook Ads, AWS, Google Cloud, Azure, and others
Unlimited
Unlimited
Unlimited
Card payment limitPer month, excluding Ads, Cloud, and some other payments
100.000 €
100.000 €
100.000 €
Free physical card deliveryOne free delivery per each team member
Yes
Yes
Yes
Invoicing and bookkeeping
Create and send invoices
Free
Free
Free
Documents to be attached for bookkeeping
25
Unlimited
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 €)
2,49% (+0,25 €)
2,49% (+0,25 €)
Instant payout
-
0,39%
0,29%
Business travel
Cashback on accommodations up to
30%
30%
30%
Travel booking tool
Free
Free
Free
Crypto Earn account
Rewards on selected crypto assets up toFinal APY after fees
8% APY
8% APY
8% APY
Staking Rewards processing feeApplied to weekly rewards
20%
20%
20%
Staking Rewards infrastructure costsApplied to weekly rewards, dependent on provider and coin
15–30%
15–30%
15–30%
Trading fee, per trade
0,25%
0,25%
0,25%
Support
24/7 human supportWithin minutes via chat and email
Yes
Yes
Yes
Accounts & Team members
Included team members
1
15
30
Included accounts
12
15
20
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 €
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
Free
Direct Debit switchSeamless switch of direct debits from another bank account to your Vivid account
Free
Free
Free
SWIFT transfers
Incoming international transfersother than SEPA per transfer * This offer is valid until October 31
Free5 €
Free5 €
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 €
15 €
15 €
Guaranteed SWIFT (OUR)Transfer when the Guaranteed SWIFT (OUR) option is available and selected by you
30 €
30 €
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 €
0,1%, min 0,5 €
0,1%, min 0,5 €
Other transfers
Transfers to Vivid Business customers
Free
Free
Free
Transfers between own accounts
Free
Free
Free
Fee for currency exchange between own accounts
0 €
0 €
0 €
Fee for bulk transfersPer bulk transfer. * This offer is valid until October 31
0 €3 €
0 €
0 €
Card payments and withdrawals
Fee for ATM withdrawals
2%
1%
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
2%
1%
1%
Fee for card payments in EUR
0 €
0 €
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 €
0 €
Annual service fee for Interest Strategies*Fee is applied only to the principal amount of the deposit (total deposits — total withdrawals)
1,5%
1%
0,5%
Show full comparison table
Open a business account
IECountryIreland
Business typeRegistered Company
Legal entity typeLTD
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