Which business account costs the least?

The cost comes down to three things: the monthly fee, per-transaction charges and the services you pay for as you use them. On Vivid's Free Start and Standard plans the fee is €0 a month and SEPA transfers carry no per-transaction charge, so the fixed cost drops to zero. A zero-fee business current account moves the comparison onto the optional items, such as withdrawals above the monthly allowance: the amount appears before you confirm.

Which zero-fee current account is best?

It depends on what you use day to day, rather than on a ranking. Compare the monthly fee, the transactions included, the cards and sub-accounts the plan covers and the bookkeeping integrations. A zero-fee online business current account holds up when the fee stays at zero after the first months too, and recurring transfers are not counted one by one. For a professional with few movements the fixed cost weighs most; for a company with a team, card limits are what count.

Which accounts have a zero monthly fee?

In a business account with zero fees, "zero monthly fee" only means there is no fixed account-maintenance charge, not that every service is included. Withdrawals, currency exchange, transfers outside the SEPA area or extra cards can carry a separate cost even when the fee is €0 a month. An online business account with zero fees is therefore judged on the fee schedule. Vivid is an electronic money institution rather than a bank, and publishes every item: if you are after a free business banking account, that is where the conditions sit side by side.

Which current accounts are free for companies?

They are accounts with no monthly management fee, open to sole traders, freelancers with a VAT number, start-ups, SMEs and already-registered companies. With Vivid, a free business account on the Free Start and Standard plans brings an Italian IBAN, Visa Business cards, SEPA transfers with no per-transaction fee and a guaranteed 0.1 % cashback on all purchases. With modest volumes the free plan is enough, with no expiry and no minimum term.

Who can open a business account online?

The account is open to sole traders, freelancers with a VAT number, start-ups, SMEs and already-registered companies. You need a valid ID document for the owner, the VAT number and your company details. A free business account online works even when the team is one person, and it keeps up as you add people, cards and sub-accounts.

Does a free business account include a business card?

Yes. The account comes with virtual and physical Visa Business cards at no issuing cost, for software subscriptions, purchases and travel spending. A free online business account lets you assign them to team members with individual limits and lock them from the app in real time. On every purchase you receive a guaranteed 0.1 % cashback, rising to 2 % in the selected categories on the Free Start plan.

How do you open a company account online at no cost?

Send the application from the Vivid website or app, then complete the identity check and activate your card. To open a free business account online, have a valid ID document, your VAT number and your company details to hand. The procedure runs entirely online and takes a few minutes.

Should the business account be in my name or the company's?

The answer depends on the legal form. Sole traders and freelancers hold the account in their own name, because there is no separate legal entity. For limited companies such as an S.r.l. or S.p.A. the account is held in the company's name, with the legal representative's details.

Can I use a personal account for business?

Technically it's possible, but many banks prohibit business use of a personal current account in their terms. Mixing private and business transactions also complicates your tax return and can lead to queries from the tax office. A dedicated business account keeps finances cleanly separated.

Can I move my business account to another provider?

Yes, you can switch at any time. Open the new account first, move standing orders and business partner details across, then close the old account once the migration is complete. Vivid moves direct debits over from your previous account at no fee. Allow four to eight weeks of overlap so no incoming payment is left behind.

Is a zero-fee business account suitable for small businesses?

Yes, and especially for those with modest payment volumes. On the Standard plan you get an Italian IBAN, a business card and tools for bookkeeping and cash flow, with no monthly fee and no minimum term. Customer support is available in chat 24 hours a day, 7 days a week, on the free plan too. A zero-fee business account covers day-to-day running; when you need transfers outside the SEPA area or accounts in other currencies, the higher plan adds those too.

Open a free business current account online

With Vivid you open a free business account online in minutes, with no monthly fee on the Free Start and Standard plans. The free online business current account comes with an Italian IBAN, Visa Business cards for the team and SEPA transfers with no per-transaction fee. If you work with a VAT number, you manage income, expenses and F24 tax payments from the same app, without setting foot in a branch.

Open a business account

Open a free business current account online

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Why choose a business account with zero fees

Online opening in minutes
You fill in the application in about 10 minutes, with no paperwork and no branch appointment. Once your identity is verified the account works the same day.
Transparent costs, no surprises
On the Free Start and Standard plans the fee is €0 a month: a free business account, with no account-maintenance charges. SEPA transfers carry no per-transaction fee.
Business and personal, kept apart
Business turnover stays on a dedicated free business account, which keeps the tax return straightforward. For tax, reserves and projects you create sub-accounts with their own IBAN.
Tools that do the work for you
Payments, cards and receipts come together in one app, with a notification on every movement. Odoo, Sage and FreshBooks sync the transactions.

What the free online business account can do

Transfers and incoming payments

You send and receive SEPA transfers, instant ones included. There is no per-transaction fee and no monthly cap on the number of movements, and a free business account collects invoices, income and spending in one list, with a notification on every credit.

Visa Business cards for the team

Whoever works with you gets a Visa Business debit card, physical or virtual, with per-person limits and instant locking from the app. Team members are unlimited on every Companies plan, so the cost does not grow with the headcount.

Sub-accounts with an Italian IBAN

To set aside VAT, taxes and project reserves you open as many sub-accounts as you need, each with its own Italian IBAN. If you want a free business current account with several IBANs, the committed balance stays visible separately, with no parallel spreadsheets.

Bookkeeping and tax payments

A connection to Odoo, Sage or FreshBooks syncs transactions on its own and files receipts digitally. In the Web App the F24 form covers ERARIO, INPS, REGIONI and IMU, so tax deadlines get settled without switching tools.

How do you open a free business current account online?

Apply online

Start on the Vivid website or in the app: enter your company details and VAT number, then pick a plan. It takes about 10 minutes and no paper forms.

Verify your identity

Verification is digital. A selfie alongside your valid ID document is enough, following the steps in the app: the check takes a few minutes and no video call is needed.

Start using the account

As soon as verification is done you receive payments, make SEPA transfers and activate your cards. Opening a free business current account with Vivid ends here: you set up your first sub-accounts straight from the app.

Open a free 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 security is in good hands

Safely stored

Your funds are placed in assets like deposits with the Central Bank of Luxembourg and high-quality Qualifying Money Market Funds (QMMFs), managed by BlackRock and others. 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. In the unlikely event of Vivid Money SA or Vivid Money B.V. becoming insolvent, our customers' money remains safe — even beyond €100,000. 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.

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

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

Which business account costs the least?
The cost comes down to three things: the monthly fee, per-transaction charges and the services you pay for as you use them. On Vivid's Free Start and Standard plans the fee is €0 a month and SEPA transfers carry no per-transaction charge, so the fixed cost drops to zero. A zero-fee business current account moves the comparison onto the optional items, such as withdrawals above the monthly allowance: the amount appears before you confirm.
Which zero-fee current account is best?
It depends on what you use day to day, rather than on a ranking. Compare the monthly fee, the transactions included, the cards and sub-accounts the plan covers and the bookkeeping integrations. A zero-fee online business current account holds up when the fee stays at zero after the first months too, and recurring transfers are not counted one by one. For a professional with few movements the fixed cost weighs most; for a company with a team, card limits are what count.
Which accounts have a zero monthly fee?
In a business account with zero fees, "zero monthly fee" only means there is no fixed account-maintenance charge, not that every service is included. Withdrawals, currency exchange, transfers outside the SEPA area or extra cards can carry a separate cost even when the fee is €0 a month. An online business account with zero fees is therefore judged on the fee schedule. Vivid is an electronic money institution rather than a bank, and publishes every item: if you are after a free business banking account, that is where the conditions sit side by side.
Which current accounts are free for companies?
They are accounts with no monthly management fee, open to sole traders, freelancers with a VAT number, start-ups, SMEs and already-registered companies. With Vivid, a free business account on the Free Start and Standard plans brings an Italian IBAN, Visa Business cards, SEPA transfers with no per-transaction fee and a guaranteed 0.1 % cashback on all purchases. With modest volumes the free plan is enough, with no expiry and no minimum term.
Who can open a business account online?
The account is open to sole traders, freelancers with a VAT number, start-ups, SMEs and already-registered companies. You need a valid ID document for the owner, the VAT number and your company details. A free business account online works even when the team is one person, and it keeps up as you add people, cards and sub-accounts.
Does a free business account include a business card?
Yes. The account comes with virtual and physical Visa Business cards at no issuing cost, for software subscriptions, purchases and travel spending. A free online business account lets you assign them to team members with individual limits and lock them from the app in real time. On every purchase you receive a guaranteed 0.1 % cashback, rising to 2 % in the selected categories on the Free Start plan.
How do you open a company account online at no cost?
Send the application from the Vivid website or app, then complete the identity check and activate your card. To open a free business account online, have a valid ID document, your VAT number and your company details to hand. The procedure runs entirely online and takes a few minutes.
Should the business account be in my name or the company's?
The answer depends on the legal form. Sole traders and freelancers hold the account in their own name, because there is no separate legal entity. For limited companies such as an S.r.l. or S.p.A. the account is held in the company's name, with the legal representative's details.
Can I use a personal account for business?
Technically it's possible, but many banks prohibit business use of a personal current account in their terms. Mixing private and business transactions also complicates your tax return and can lead to queries from the tax office. A dedicated business account keeps finances cleanly separated.
Can I move my business account to another provider?
Yes, you can switch at any time. Open the new account first, move standing orders and business partner details across, then close the old account once the migration is complete. Vivid moves direct debits over from your previous account at no fee. Allow four to eight weeks of overlap so no incoming payment is left behind.
Is a zero-fee business account suitable for small businesses?
Yes, and especially for those with modest payment volumes. On the Standard plan you get an Italian IBAN, a business card and tools for bookkeeping and cash flow, with no monthly fee and no minimum term. Customer support is available in chat 24 hours a day, 7 days a week, on the free plan too. A zero-fee business account covers day-to-day running; when you need transfers outside the SEPA area or accounts in other currencies, the higher plan adds those too.