Best Business Account 2025

The Financial Platform for Companies and Freelancers. Fast registration, German IBANs, instant transfers, and all the financial tools you need to thrive.
  • Best Business Account 2025
    Best Business Account 2025
    Finanzfluss.de
  • Highest Interest Rate for Business 2025
    Highest Interest Rate for Business 2025
    Für-Gründer.de
  • Top Mobile Banking 2025
    Top Mobile Banking 2025
    Handelsblatt.com
  • Top German Startups 2024
    Top German Startups 2024
    LinkedIn
  • Trustpilot: Excellent!
  • Best Business Account 2025
    Best Business Account 2025
    Finanzfluss.de
  • Highest Interest Rate for Business 2025
    Highest Interest Rate for Business 2025
    Für-Gründer.de
  • Top Mobile Banking 2025
    Top Mobile Banking 2025
    Handelsblatt.com
  • Top German Startups 2024
    Top German Startups 2024
    LinkedIn
  • Trustpilot: Excellent!
Person writing

  • Free account with up to 30 IBANs

  • Integrations with accounting software

  • 4% p.a. interest rate on positive balance

  • Cashback on every purchase with free VISA card for every team member

  • SWIFT and SEPA instant transfers

  • Open a business account

Get up to 10% cashback for every card purchase

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

payment
  • 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.

Discover cashback

All-in-One Business Account

your interest rate

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
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.
  • acoounts-list.main

    Main account

    €134,000.00

    🇩🇪 IBAN • 4565

  • acoounts-list.employee

    Employees

    €4,906.00

    🇩🇪 IBAN • 1337

  • acoounts-list.taxes

    Taxes, Employee benefits, Payroll

    €11,700.00

    🇩🇪 IBAN • 1620

  • acoounts-list.savings

    Savings

    €1890.00

    🇩🇪 IBAN • 1890

Free account with up to 30 IBANs

Full online registration—no in-person step. Friendly onboarding: everyone’s situation is unique and we consider each case individually.

Fast transfers and SEPA direct debits

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.

Pay and get paid in 50+ countries
22 currencies available
Exchange currencies in real-time and commission-free
Clear fixed fee of €5 per SWIFT transaction

Get a clear and fixed fee of €5 per SWIFT transfer you do, making international transactions more predictable and cost-effective.

Open a business account
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Virtual Card

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

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.

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.

  • Lexware Office(ex-lexoffice)

    Lexware Office
    (ex-lexoffice)

    German software with vast features for accounting, invoicing and payroll

  • integration.DATEV_transactions.name

    DATEV (transactions)

    German software with vast features for accounting, invoicing and payroll

  • integration.DATEV_documents.name

    DATEV (documents)

    German software with vast features for accounting, invoicing and payroll

  • sevDesk

    sevDesk

    Online software with vast features for accounting and invoicing, available in several languages

  • Оdoo

    Оdoo

    Odoo is a user-friendly financial management tool that simplifies invoicing, bookkeeping, and reporting for businesses

  • FastBill

    FastBill

    German online-software for accounting, invoicing and financial analysis

  • easybill

    easybill

    German online-software for invoicing and stock management

  • Sage

    Sage

    Solutions for invoicing, expense tracking, bank reconciliation, payroll processing, financial reporting, and tax compliance.

  • BuchhaltungsButler

    BuchhaltungsButler

    German online-software for accounting, invoicing and financial analysis

  • Commitly

    Commitly

    German online-software for cashflow planning

  • Puls Project

    Puls Project

    German online-software for cashflow planning and management of several bank accounts

  • GetMyInvoices

    GetMyInvoices

    German online-software that automatically collects invoices from online portals, inboxes and scans

  • MoneyMoney

    MoneyMoney

    German software designed specifically for macOS to manage and analise several bank accounts

  • Finanzguru

    Finanzguru

    German application that supports in tracking and analising finances

  • Addison

    Addison

    Workflow‑oriented accounting and tax management solution with finance, payroll, controlling, invoicing, and document handling.

  • Agenda

    Agenda

    Integrated business software for accounting, payroll, HR, tax calculation, invoicing, and document management

  • BMD

    BMD

    Integrated business software for accounting, document management, HR, and ERP, with powerful automation and cloud access

Show all integrations
More about integrations
Open a business account
LUCountryLuxembourg
Business typeRegistered Company
Legal entity typeSARL 
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.

Mobile app

Organise your budget and payments by opening multiple accounts with separate IBANs. Send money in a few taps. Issue, customise, freeze and manage your virtual and physical cards in your app.

Install app

Web app — for business accounts

Oversee your personal and business accounts in the same mobile app—switch between them seamlessly. Use our web app to conveniently manage your business account from your computer.

Open a business account

Organise your budget and payments by opening multiple accounts with separate IBANs. Send money in a few taps. Issue, customise, freeze and manage your virtual and physical cards in your app.

Get the app
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.

Plans

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
  • Bookkeeping documents included
    (on paid plans)
    Unlimited
  • Integrations (sevDesk, Lexware Office, DATEV, ...)
    Free
  • Business travel cashback up to
    30%
  • Crypto Earn rewards up to
    8% APY
  • Payment processing fee (EEA cards), from
    0,79% (+0,25 €)
Compare all features

Your money is safe with us

Flowers

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.