Can I give cards to site teams without exposing the whole account?

Yes. Everyone on site gets their own card with its own monthly limit, and a card shows only its own spending. A card can also be restricted to chosen merchant categories or to selected merchants. One card then clears the builders' merchant and the petrol station, and nothing else. Any card can be locked and unlocked at any time.

Can the crew take cash out, and what does it cost?

Yes, with any card at any ATM. The free allowance runs per month and follows the plan: 100 € on Free Start, 200 € on Basic, 500 € from Pro. Above it, Free Start charges 2% of the amount and the paid plans 1%.

Can every project have its own account and IBAN?

Yes. Open a separate account for each project, each with its own IBAN, and pay suppliers and subcontractors from it. Euro payments across Europe are unlimited and free, so project costs stay where they belong and the balance is always one tap away.

What do transfers to subcontractors and suppliers cost?

Nothing. Outgoing SEPA Instant transfers are free on every plan, however many go out and however small they are. A week of site payments to a dozen suppliers costs what a single transfer costs. Each project account sends from its own IBAN.

Is the cashback on all purchases really uncapped?

Yes. Cashback on all purchases has no monthly ceiling, so it keeps paying across the whole month, however many runs to the builders' merchant it takes. The rate itself depends on the plan. Selected categories, fuel among them, pay a higher rate and those categories do carry a monthly maximum.

What does the plan cost?

Free Start plan has no monthly fee. The paid plans come with a 2-month trial and can be cancelled whenever it suits.

How long does it take to open an account?

Opening a business account with Vivid works fully online and takes just a few minutes. Once you're verified, the account is ready for payments right away.

Financial tools that keep construction projects moving

Keep every project's costs apart, pay subcontractors without counting transfers, and earn cashback on materials and fuel.

Trustpilot: Excellent! | 30,000+ reviews

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Financial tools that keep construction projects moving

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Handelsblatt
Industry Leader 2026
F.A.Z. Institut
Best SME Service Provider 2026
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German Service Award 2026
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Best Business Account 2026
Für Gründer

Everything a building site runs on, in one account

An account for every project

Give each project its own account and IBAN, and pay subcontractors and suppliers straight from it. Euro payments inside Europe are free, with no monthly limit. Costs never mix, so you always know what a project has consumed.

All card payments up to 1%
Guaranteed, unlimited cashback
€124,16
− €12.416,32
Hornbach up to 1%
Building materials
€1,45
− €145,00
Bauhaus up to 1%
Building materials
€0,98
− €98,00
OBI up to 1%
Building materials
€0,76
− €76,00
Shell up to 4%
Fuel
€2,20
− €55,00

Earn cashback on every purchase your team makes

Give everyone working on site their own card with a spending limit you control. Earn cashback on the purchases they already make: from materials and tools to fuel.

Up to 1% cashback on everyday purchases, with no cap: at Bauhaus, Hornbach, OBI or your wholesaler
Up to 4% cashback on fuel at Shell, depending on the plan. Selected categories carry a monthly maximum.

Manage receipts and invoices digitally

Site teams scan receipts straight from the app and attach each one to its card transaction. You always know which receipts are still missing, and everything exports to the accounting tool you already use.

Make your funds work between project stages

Choose how to put idle cash to work, from fixed interest to full portfolio control.

Fixed interest

Earn a fixed return with high liquidity and conservative risk — ideal for operational cash.

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Model Portfolios

Market-based returns with diversified ETF & ETC portfolios, designed for mid-term reserve cash.

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Business Brokerage

Advanced investing with full control — higher potential returns across multiple asset classes.

Learn more

Investing always involves risks. Therefore, the value of your investment and the income from it will vary and your initial investment amount cannot be guaranteed. You may not get back the amount originally invested. You can find more information about the risks of investing in financial instruments here.

Why our customers choose Vivid

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

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

Nicolò Daniele Donato, Founder & Managing Director, Deluxy

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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

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

Martin, Founder, KeMar Kitchenware

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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

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

Stefano, Owner, Sushi World

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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

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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

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With a system like this we can really keep growing and scaling, because we can act fast and flexibly.

Udo Uhlig, Co-Founder, Onshii

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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.

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 built for every business

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 Luxembourg 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
- 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 Luxembourg 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 €
- 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 Luxembourg 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 €
- Support
  - 24/7 human support
    Yes

Features you get on every plan

Invoicing
Free
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

Frequently asked questions

Can I give cards to site teams without exposing the whole account?
Yes. Everyone on site gets their own card with its own monthly limit, and a card shows only its own spending. A card can also be restricted to chosen merchant categories or to selected merchants. One card then clears the builders' merchant and the petrol station, and nothing else. Any card can be locked and unlocked at any time.
Can the crew take cash out, and what does it cost?
Yes, with any card at any ATM. The free allowance runs per month and follows the plan: 100 € on Free Start, 200 € on Basic, 500 € from Pro. Above it, Free Start charges 2% of the amount and the paid plans 1%.
Can every project have its own account and IBAN?
Yes. Open a separate account for each project, each with its own IBAN, and pay suppliers and subcontractors from it. Euro payments across Europe are unlimited and free, so project costs stay where they belong and the balance is always one tap away.
What do transfers to subcontractors and suppliers cost?
Nothing. Outgoing SEPA Instant transfers are free on every plan, however many go out and however small they are. A week of site payments to a dozen suppliers costs what a single transfer costs. Each project account sends from its own IBAN.
Is the cashback on all purchases really uncapped?
Yes. Cashback on all purchases has no monthly ceiling, so it keeps paying across the whole month, however many runs to the builders' merchant it takes. The rate itself depends on the plan. Selected categories, fuel among them, pay a higher rate and those categories do carry a monthly maximum.
What does the plan cost?
Free Start plan has no monthly fee. The paid plans come with a 2-month trial and can be cancelled whenever it suits.
How long does it take to open an account?
Opening a business account with Vivid works fully online and takes just a few minutes. Once you're verified, the account is ready for payments right away.

Built for every industry

E-commerce

Earn cashback on ads and marketplace spend, give your team free cards with limits you control, and accept customer payments your way: online, by link or QR code. All in one account.

Learn more

IT & Software

Earn on your balance without locking it away, pay contractors with unlimited free transfers, and get cashback on the software and ads you already pay for.

Learn more

Marketing

Issue cards per client or per campaign with their own limits, get cashback on ads and AI tools, earn interest on the cash between projects, all in one account.

Learn more

Solar & electrical

Free cards for every installation crew, unlimited free transfers to suppliers, and interest on free cash while the job is still running.

Learn more

Travel

Manage travel spend with dedicated cards, earn our highest airline cashback, and make your funds earn between bookings. All in one account.

Learn more