5 days : 5 hours : 43 min : 42 sec

Open an account before the offer ends and get 4% interest rate

Best Business Account 2025 in 10 minutes

Up to 10% cashback on your purchases
4% interest rate on positive balance
SWIFT and free instant SEPA transfers
Personal customer support 24/7

Open a business account

No. 1 Business Account 2025
Facile.it
Recommended Plan for Business 2025
Segugio.it
Top Mobile Banking 2025
Handelsblatt.com
Top German Startups 2024
LinkedIn
Trustpilot: Excellent!

Free business account
with unlimited sub-accounts with IBANs

Start using your account from your desktop in 3 easy steps

We accept all business types: Companies, Freelancers, Partnerships and companies in formation.

Fully online

We’ll review your documents and get back to you as soon as possible.

Activate your business account

Top-up your account via Apple Pay, Google Pay, or use free SEPA transfers. Enjoy 4% interest and cashback.

Open a business account

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

Plans

Monthly

Payment period

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
    Unlimited
  - 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
    Free
  - 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
6,9 € / month
excl. VAT
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%
- 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
18,9 € / month
excl. VAT
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%
- 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

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 €)
Treasury (stocks, ETFs, crypto)
Free
Digital employees (personal and legal AI assistants)
Free
(until December 31st)

Here's why customers love us

Excellent! | 21.000+ 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

Interest account

Earn 4% interest annually

Keep your uninvested cash in your Interest Account and earn 4% per year for the first 4 months. When the promo period is over, you earn up to 2%*.

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.

Open a business account

Up to 10% cashback on your purchases

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

CompaniesFreelancers

All purchases, up to 1%
Guaranteed unlimited cashback on all purchases, excl. ATM withdrawals and SEPA transfers.
Facebook advertising, up to 10%
Purchases of Facebook advertising.
Amazon, up to 10%
Purchases on Amazon.
Google advertising, up to 10%
Purchases of Google advertising.
More categories
Pick your favourite cashback categories every month.

Integrations with accounting software

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

Agicap
Cloud-based cash flow management tool for budgeting, forecasting, and liquidity control, helping SMBs improve financial visibility and planning
Plino
Smart cloud accounting platform for SMEs with automated bookkeeping, expense tracking, and real-time financial insights.
Netsuite
Unified cloud ERP and finance platform offering enterprise-level solutions for accounting, resource planning, e-commerce, and business analytics.
Оdoo
Odoo is a user-friendly financial management tool that simplifies invoicing, bookkeeping, and reporting for businesses
FreshBooks
Simple and user-friendly invoicing and accounting tool for freelancers and small businesses.
Sage
Solutions for invoicing, expense tracking, bank reconciliation, payroll processing, financial reporting, and tax compliance.