Is a business account mandatory?

Whether a business account is required depends on your activity and legal form. For Italian corporations such as an S.r.l. or S.p.A., a separate account is legally mandatory.For freelancers or small business owners, an online current account for companies may not be mandatory but is recommended to clearly separate private spending from business turnover and keep accounting organised.

How to choose the right business account for your company?

There is no single answer: what counts is what you use every day. Look closely at the monthly fee and the per-transaction charges, then the cards and IBANs included and the accounting integrations. If your needs are digital, open a business account online and compare the terms.

What do you need to open an online business account?

To open a business account, certain requirements must be met:a valid proof of identity of the owner (e.g., identity card or passport);information about your company (legal form, address, field of activity);depending on the legal form, additional company documents such as articles of association or list of partners.The procedure is completely digital and consists of a few steps: fill out the online application (usually within about 10 minutes), confirm information about your company and your identity, and after successful verification you can start using your business account immediately. You can find out exactly which documents are required here.

How much does a business current account cost?

The fee of a business current account online depends on the plan you pick. Opening the account itself costs nothing: with the Free Start or Standard plan you use the account for €0/month.Depending on the chosen plan, additional optional services may be chargeable (such as extended features or higher service levels), but the initial setup and account opening of a current account for businesses remain free of charge.

Who can open a business account?

The account is open to sole traders, freelancers with a VAT number, start-ups, SMEs and registered companies. You need a valid ID document, the VAT number and your company details. An online business checking account works even when the team is one person.

How secure is a Vivid business account?

A Vivid business account offers modern security standards for digital financial services. Customer funds are kept separate from company assets and are not used for operational purposes. At one of our partner banks, statutory deposit protection applies on top: up to €100,000 per customer, as at any bank in the EU. The funds remain the customer's property, including any amount above that. The business checking account is also protected by strong authentication and encrypted data processing according to European data protection standards. You can read more about deposit protection here and here.

Can the business account be integrated into the accounting system?

Yes. The Vivid business account can be connected with common accounting software. Transactions and account statements are automatically synchronised, which significantly simplifies your ongoing bookkeeping. Alternatively, you can export your data at any time as a PDF, CSV, or MT940 file and import it into your accounting system.

How long does it take to open a Vivid business account?

Opening the Vivid business current account usually takes between 10 minutes and 1 hour, depending on how quickly your information is verified.In individual cases, the process may take longer if additional information is required. If you do not receive any feedback after about 2 business days, you should contact support.

Is there a mobile app at Vivid to manage my business account?

Yes. The Vivid business account can be fully managed through the Vivid Business & Personal app. In the mobile app, you can make payments, view transactions, manage cards, and switch between your business and personal accounts.Additionally, a web platform is available that allows you to manage your business account on the desktop as well.

Open an online business account for your company

The digital business account for companies, sole traders and freelancers. Open your business account online in minutes with unlimited Italian IBANs, instant transfers, and all the financial tools you need for your business.

Trustpilot: Excellent! | 28,000+ reviews

Open a business account

Open an online business account for your company

No. 1 Business Account 2025
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No. 1 Business Investment Account 2026
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Top Mobile Banking 2026
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Online business account: the complete solution for financial management

The online business account to get paid, pay out and keep spending under control.

business account from €0/month with unlimited Italian IBANs
4% p.a. fixed for 4 months* on positive balance
Visa cards with cashback for all team members
SWIFT and SEPA instant transfers
F24 tax payments from the Web App

Current accounts for companies: solutions for every type of business

Small & medium enterprises

Whether you're a small, medium-sized, or established business — you can open a business account quickly and digitally, and manage expenses in just a few clicks.

Freelancers

After opening a professional account in a few clicks, free unlimited SEPA transfers and a 5% interest rate* await you.

Learn more

Partnerships

Keep your finances organised and transparent with custom access rights for team members and accountants.

Learn more

Startups

Account opening is done with a few clicks online, simply choose the features that match your ambition for growth.

Learn more

How to open a business account online in a few simple steps?

Start the registration

Opening a business account online is simple, fast and fully digital — no paperwork, no branch visits.

Verification

Get verified easily via photo. We quickly perform an identity check to help you get started as soon as possible.

Start using your business account

Discover how you can directly manage sub-accounts, team members and card limits via the mobile and desktop app.

Vivid business current account features

Free physical and virtual cards

Free delivery of the first physical card for each member of your company. High spending limits on each card to match your needs.

Team access with personalized permissions

Assign Admin roles to employees for full access to the account, and Assistant roles to external accountants and employees for limited access.

All-in-One Business Account

Earn 5% interest annually

Get 5% p.a. fixed for 5 months* in USD & GBP or 4% p.a. fixed for 4 months* in EUR.

Access to your money any time Top-up and withdraw your funds any day, any time.* Money is immediately available upon withdrawal to your Business account.

We keep your money safe To protect your money while offering a good return, we invest your money in Money Market Funds (MMF). All the funds we use have AAA/Aaa ratings from rating agencies such as S&P and Moody's and Fitch. Read more about how Vivid safeguards your funds here.

Investing always involves risks and your initial investment amount cannot be guaranteed. You can find more information about Money Market Funds and the risks of investing in financial instruments here.

Business current account from €0/month with unlimited IBANs

Start with a business account from €0/month, or pick a low-cost plan with advanced features. Either way, you can create as many Italian IBANs as you need for effective budgeting.

Fast transfers and SEPA direct debits

Receiving and sending money is made easy via SEPA Instant and SWIFT transfers. Redirecting your direct debits from your current bank to Vivid goes quick - no extra costs involved.

Ready for borderless success

Pay to 70+ countries and get paid from 150+ countries
22 currencies available
Exchange currencies in real-time and commission-free
Free international outgoing transfers
within monthly limits

Up to 10% cashback helps you cut business expenses

Issue a free card for every team member. Pick your favourite cashback categories for the upcoming month.

Instant cashback

Metal card •1337

All card payments up to 1%
Guaranteed, unlimited cashback
€124,16
− €12.416,32
Growth
Advertising costs
€49,98
− €980,00
Main account
Gas stations
€3,54
− €118,21
Main account
Meals
€14,80
− €740,00

Integrations with accounting software

Sync your transactions and bank statements with platforms like DATEV, lexoffice, and others. Stay updated without manual data entry, making expense tracking and tax prep easier.

Agicap
Plino
Netsuite
Odoo
FreshBooks
Sage

More about integrations

Open a business account

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

Online banking via app & browser

Log in to your business account via desktop or mobile phone and maintain an optimal overview, use instant transfers and manage cards flexibly.

Your money is safe with us

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

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.

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

Monthly

Payment period

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
- Taxes & levies
  - F24 payments
    Free
- 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
2 months free trial
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 €
- Taxes & levies
  - F24 payments
    Free
- 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
2 months free trial
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 €
- Taxes & levies
  - F24 payments
    Free
- Support
  - 24/7 human support
    Yes

Features you get on every plan

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

Compare all features

Europe’s best companies run on Vivid

100,000+ European businesses spend less on fees, get paid faster, and close the books sooner

See all stories

Vivid helps us every day with effective, efficient cash-flow management.

Nicolò Daniele Donato, Founder & Managing Director, Deluxy

Read full story

There’s never been a business account that comes close to these offers, this output, and this return.

Giovanni Bruno, Founder and Managing Director, fokus digital GmbH

Read full story

My first transfer took about ten seconds. I’ve never finished a transfer that fast.

Martin, Founder, KeMar Kitchenware

Read full story

With my previous account the rate on the balance was zero. Now it’s 1.3% — which is still more than zero.

Rubens Gardelli, Founder, Gardelli Specialty Coffees

Read full story

In half a year, that’s around 740 euros saved. Not even a full year.

Stefano, Owner, Sushi World

Read full story

With Vivid I felt at ease right away: the ability to set money aside automatically, and to have those sums earn a return, has been a real help to us.

— Umberto Brignone, third generation, Pasticceria Brignone

Read full story

What I like most about Vivid is the app itself. You have everything right there on your phone — it's super easy, and the whole thing is very intuitive to use.

Julia Nützel, Founder & Creative Director, NYNOLIA

Read full story

Having it all from one source is simply more convenient than sourcing a separate provider for every part.

Martin Brehme, Managing Director, Biting Bit GmbH

Read full story

The all-in-one solution for companies and freelancers

Interest Account

Earn 5% fixed annual interest* on uninvested cash. Your money grows while staying available at all times.

Digital Employees

Delegate routine tasks to your AI agents. They learn nonstop, run 24/7, and need no breaks or extra costs—so you can focus on what matters.

Cards & Cashback

Start cutting costs with up to 10% monthly cashback on the team’s card purchases at Google Ads, Amazon and others.

Unlimited Card Spending

Issue a card for every team member, claim guaranteed cashback and make payments for IT & Ads services without worrying about limits.

Online payments

Boost your revenue by making online payments effortless — whether customers pay via invoice, link or through your website.

Quick transfers

Gain full flexibility with SEPA Instant transfers, SWIFT transfers and easy redirects of direct debits.

Personal Account

Enjoy the ease of having your private and business finances in one place and seamlessly switch accounts whenever you need

Bookkeeping

Keep financial records from all your bank accounts organized. Quickly share data with your team or accountants.

Integrations

Streamline all your money management by connecting with powerful accounting tools and financial applications.

Business Travel

The first tool to let you search, book and pay for hotels directly from your account — including up to 30% travel cashback!

A business account you can trust

Real reviews and honest feedback show why freelancers, businesses and associations choose Vivid.

4.7
Trustpilot rating
Rated “Excellent” – 4.7/5 from 28,000+ reviews
4.6
App Store & Google Play
4.6/5 from 53,000+ ratings for “Vivid Business & Personal” mobile app
24 / 7
Support
Human customer service, day and night

Here's why customers love us

Excellent! | 28,000+ reviews

5.0

Recommended for freelancers and business owners

So far my experience with Vivid has been great. From the customer service, the account opening, and the digital experience, I haven't had any issues with Vivid. I can only recommend it!

Erick Daniel, Germany

Trustpilot

5.0

I chose Vivid.Money

I chose Vivid.Money because it allows me to manage accounts for all my businesses in one place. Compared to other online banking systems I’ve tried, it offers the best value for money. For one of my businesses, I upgraded to the Pro account—it gives me access to real human support and the highest interest rates I’ve seen on the market. While their regular customer service is already solid, having the option to speak directly with someone was essential for me to build trust. Beyond the practical benefits, I genuinely appreciate how Vivid.Money supports my financial awareness. It’s a service I enjoy using and one that makes me more financially conscious day by day.

Lorand Balazs Imre, Germany

Trustpilot

4.0

Super quick Business account creation

I’d give 4.5 stars as my experience with Vivid has been great, but there is always room for improvement. Especially setting up the business account was so easy and fast, this really struck me. The new feature with E-invoicing is also quite useful but needs some more work with additional fields (e.g. my own tax ID). Looking forward trying more the cashback programs.

Eric, Germany

Trustpilot

5.0

I really love Vivid Bank

I really love Vivid Bank. Really easy to sign up. I love the fact I can have different space with different account numbers where I can transfer money to. The business account has a great interest rate and most important, the costumer support is excellent, something rare these days. Kudos to you and keep up with the good work!

Shaqueera Grey, Spain

Trustpilot

5.0

Very fast and good

Very fast approval, IBAN with connection to DATEV Unternehmen Online and VISA card within 2 days. Works perferct

Mark, Germany

Trustpilot

5.0

Best business banking platform in Europe

The experience with vivid is super smooth and the terms are great!

Marcel, Germany

Trustpilot

Frequently asked questions about business accounts

Is a business account mandatory?
Whether a business account is required depends on your activity and legal form. For Italian corporations such as an S.r.l. or S.p.A., a separate account is legally mandatory.

For freelancers or small business owners, an online current account for companies may not be mandatory but is recommended to clearly separate private spending from business turnover and keep accounting organised.
How to choose the right business account for your company?
There is no single answer: what counts is what you use every day. Look closely at the monthly fee and the per-transaction charges, then the cards and IBANs included and the accounting integrations. If your needs are digital, open a business account online and compare the terms.
What do you need to open an online business account?
To open a business account, certain requirements must be met:
a valid proof of identity of the owner (e.g., identity card or passport);
information about your company (legal form, address, field of activity);
depending on the legal form, additional company documents such as articles of association or list of partners.
The procedure is completely digital and consists of a few steps: fill out the online application (usually within about 10 minutes), confirm information about your company and your identity, and after successful verification you can start using your business account immediately. You can find out exactly which documents are required here.
How much does a business current account cost?
The fee of a business current account online depends on the plan you pick. Opening the account itself costs nothing: with the Free Start or Standard plan you use the account for €0/month.

Depending on the chosen plan, additional optional services may be chargeable (such as extended features or higher service levels), but the initial setup and account opening of a current account for businesses remain free of charge.
Who can open a business account?
The account is open to sole traders, freelancers with a VAT number, start-ups, SMEs and registered companies. You need a valid ID document, the VAT number and your company details. An online business checking account works even when the team is one person.
How secure is a Vivid business account?
A Vivid business account offers modern security standards for digital financial services. Customer funds are kept separate from company assets and are not used for operational purposes. At one of our partner banks, statutory deposit protection applies on top: up to €100,000 per customer, as at any bank in the EU. The funds remain the customer's property, including any amount above that. The business checking account is also protected by strong authentication and encrypted data processing according to European data protection standards. You can read more about deposit protection here and here.
Can the business account be integrated into the accounting system?
Yes. The Vivid business account can be connected with common accounting software. Transactions and account statements are automatically synchronised, which significantly simplifies your ongoing bookkeeping. Alternatively, you can export your data at any time as a PDF, CSV, or MT940 file and import it into your accounting system.
How long does it take to open a Vivid business account?
Opening the Vivid business current account usually takes between 10 minutes and 1 hour, depending on how quickly your information is verified.

In individual cases, the process may take longer if additional information is required. If you do not receive any feedback after about 2 business days, you should contact support.
Is there a mobile app at Vivid to manage my business account?
Yes. The Vivid business account can be fully managed through the Vivid Business & Personal app. In the mobile app, you can make payments, view transactions, manage cards, and switch between your business and personal accounts.

Additionally, a web platform is available that allows you to manage your business account on the desktop as well.