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Approve the budget, not every payment

Set the limit and name a responsible budget manager. Everything after that happens without you: cards, people, day-to-day spend.
  • The budget manager decides who gets access and issues their cards
  • The limit you set is yours alone to change
  • Every payment lands in the budget the moment it happens
Open a business account
Approve the budget, not every payment
  • Regulated by the CSSF, Luxembourg
  • Client funds held segregated
  • Protected beyond €100,000
  • Trusted by 60,000+ companies

Budgets come in different shapes

Not every kind of spending needs the same kind of limit. Pick the period when you create the budget.

Resets every month
Marketing TeamMonthly: 15.000 €

Resets every month

Ads, tools, agencies. What gets bought changes every month, the ceiling doesn't — and the head of marketing decides inside it without coming back to finance.

A single total
Company EventTotal: 25.000 €

A single total

A launch, an offsite, a rebrand. The money runs down to zero and stays there, so the number on the page is what's left to work with.

The same payment, every week
Commute ExpensesWeekly: 1.000 €

The same payment, every week

Train tickets, taxis, the same fares week after week. Nobody needs to approve a €14 fare, but somebody needs to see what it adds up to by Friday.

What happens after you set the limit

Cards, rules and reporting come with the budget. Nobody has to switch anything on.

Budget

Manager

Participant

Participant

Cards for everyone on the budget

Issue a card to anyone on the budget and they spend from it directly. No top-ups, no fund requests, no waiting on finance.
  • Every payment lands in the right budget
  • Rules per card: merchants, payment types, ATM
  • One person, cards in several budgets
  • Corporate cards stay with the team

Marketing Budget

Current spend

7.950,38 €

On track

Remaining

7.049,62 €

46,9%

Monthly limit

15.000 €

Jan 1–31, 2026

Spend over time

Anna MüllerLukas WeberLaura BeckerTom Lehmann

16K €

12K €

8K €

4K €

0 €

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Open the budget, see the spend

Every budget opens on what's spent, what's left and how the period is going. Nobody has to compile it, it's the first thing you see.
  • On track, At risk or Off track, at a glance
  • Remaining already counts scheduled payments
  • Spend over time, with the rest of the period projected
  • The same spend by person, and what's coming up

Creating a budget takes a minute

Three decisions. Once they're made, the budget is live and the team can spend.

Anna Müller

Budget manager

Laura Becker

Lukas Weber

Tom Lehmann

Step 1. Choose the people

Pick who spends from the budget and name one of them as manager. The manager runs it day to day, issues cards and adds people. The limit stays yours.

Main

Payroll

Tax reserve

Step 2. Point it at an account

A budget holds no money of its own. It draws on one of your accounts as people pay, so the money stays where it is until someone spends it.

Travel budget

15.000 €

Monthly

Create

Step 3. Name it and set the limit

An amount and a rhythm: monthly, weekly, daily or a single total. It's the only number you'll ever be asked to approve.

Give each person the card they'll actually use

Some pay from a phone, some want a card in the wallet. Whichever it is, it spends from the budget and inside its rules.

Metal card

Metal card

Made from sturdy metal in bold Vivid purple

  • Ready for online payments straight away
  • Contactless or chip + PIN payments in store
  • Cash withdrawal at any ATM
  • First card per team member is free
Plastic card

Plastic card

Made from 100% recycled plastic in your colour and design

  • Ready for online payments straight away
  • Contactless or chip + PIN payments in store
  • Cash withdrawal at any ATM
  • First card per team member is free
Virtual card

Virtual card

Issued instantly in the Vivid Business app

  • Ready for online payments straight away
  • Pay contactlessly in store with your phone or smartwatch
  • Withdraw cash at contactless ATMs
  • Unlimited free virtual cards — no clutter in your wallet

Open a business account

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Business type
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Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.

How funds are held

safety.title

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.

Questions about budgets

  • How many budgets can one account have?

    Up to 10. Each budget draws on exactly one funding account.
  • No. Money leaves the funding account as usual; the budget decides whether the payment is allowed and counts it against the limit.
  • No. A card is bound to its budget at issuance. Issue a new card in the target budget and freeze or close the old one.
  • Yes. A corporate card has one holder at a time — reassign it to another participant when someone moves on. The card stays in its budget.
  • Any participant, in any workspace role including Employee. The manager does not need Admin rights and does not have to be the person who created the budget.
  • They close. People lose access, scheduled payments stop, and the budget becomes read-only. It stays visible in past transactions.