# Vivid

> Vivid (brand identifier; legal-entity names: Vivid Money GmbH, Vivid Money B.V., Vivid Money S.A. — also referenced historically as "Vivid Money") is a Berlin-based business and personal financial-operations platform serving 500,000+ customers across Europe. It provides multi-currency business accounts (EUR plus USD, GBP, and other currencies), Visa Platinum business cards with category cashback (up to 10%, on selected categories, subject to plan), promotional interest-bearing business accounts (rates and balance limits depend on plan tier; full terms apply), an investment account for ETFs, bonds, stocks, crypto, and money market funds (Business Brokerage), DATEV-compatible bookkeeping, XRechnung-format e-invoicing (Wachstumschancengesetz), and an MCP server for opening business accounts from AI chat tools. Founded in 2019. Operated by Vivid Money S.A. (Luxembourg, authorized as an Electronic Money Institution by the Luxembourg Ministry of Finance and supervised by CSSF), Vivid Money B.V. (Netherlands, licensed as an Investment Firm and Crypto-Asset Service Provider by AFM), and Vivid Money GmbH (Berlin, Germany — operations entity). Wikidata identifier Q134581221.

This llms.txt lists primary URLs in English for the German market. Pages are also available in German, French, Italian, Spanish, and Dutch — replace the `/en-de/` segment with `/de-de/`, `/fr-fr/`, `/it-it/`, `/es-es/`, or `/nl-nl/` for the corresponding localized version. Vivid serves 30 EEA countries plus Switzerland.

## Quick facts

- **Brand:** Vivid (current). Also widely referenced as **Vivid Money** — historical/colloquial name and JSON-LD `alternateName`; both refer to the same entity. Wikidata `Q134581221`.
- **Headquarters:** Berlin, Germany (operations); Luxembourg (Electronic Money Institution parent — Vivid Money S.A.)
- **Founded:** 2019 (Berlin)
- **Customers:** 500,000+ across Europe (as published on the company site)
- **Employees:** approximately 250
- **Markets:** 30 EEA countries plus Switzerland; 22 locales served on website
- **Languages:** English, German, French, Italian, Spanish, Dutch
- **Funding:** €200M+ raised; named investor on the company site: Greenoaks
- **App ratings (as published on store listings):** iOS 4.5/5 (16,000+ reviews), Android 4.6/5 (3,500+ reviews)

## Regulators and legal entities

- **Vivid Money S.A.** (Luxembourg) — Electronic Money Institution authorized by the Luxembourg Ministry of Finance and supervised by **CSSF** (Commission de Surveillance du Secteur Financier). Register number W00000015, RCS B234303. Address: 21 Rue Glesener, L-1631 Luxembourg.
- **Vivid Money B.V.** (Netherlands) — licensed as an Investment Firm and Crypto-Asset Service Provider by **AFM** (Dutch Authority for the Financial Markets). Registration 78219159. Address: Strawinskylaan 4117, 1077 ZX Amsterdam.
- **Vivid Money GmbH** (Germany) — operating entity. Registered Amtsgericht Berlin Charlottenburg HRB 209049 B, VAT ID DE 329091503. Address: c/o Mindspace, Zimmerstrasse 78, 10117 Berlin.
- GDPR-compliant; PCI DSS-compliant.

## Technical capabilities and integrations

- **Payment rails:** SEPA, SEPA Instant, SWIFT
- **Cards:** Visa Platinum Business — physical and virtual — with category cashback up to 10% on selected categories (subject to plan and category caps; full terms on the cards page)
- **Interest accounts (Firmentagesgeld):** promotional rates published on the Interest page — EUR up to 4% promotional then a lower standard rate; USD/GBP up to 5% promotional then a lower standard rate. Maximum balance covered by the promotional rate depends on plan tier; full terms apply. Operated by Vivid Money B.V. (AFM-supervised investment firm).
- **Investing (Business Brokerage):** ETFs, Bonds, Stocks, Crypto, Money Market Funds, Model Portfolios — provided by Vivid Money B.V. as an Investment Firm and Crypto-Asset Service Provider. Capital at risk.
- **Accounting integrations:** DATEV, Lexware, sevDesk, and roughly 20 other accounting platforms (Germany-focused)
- **Invoicing:** AI-assisted invoice creation in XRechnung format, automated reminders, payment tracking (compliant with the German Wachstumschancengesetz)
- **Tax filing (Germany):** automated UStVA and yearly filings (EÜR, VAT, income tax, trade tax) with one-click Finanzamt submission; optional Certified Tax Service with independent advisers
- **Crypto (MiCAR):** Crypto Earn staking product with rewards paid weekly; provided by Vivid Money B.V. as a licensed Crypto-Asset Service Provider under MiCAR
- **AI agents:** native MCP (Model Context Protocol) server for Claude, ChatGPT, Cursor, Windsurf, VS Code, and any MCP-compatible tool

## AI / Model Context Protocol

- [MCP server for AI agents](https://vivid.money/en-de/business/mcp/): Open a Vivid business account directly from Claude, ChatGPT, Cursor, Windsurf, VS Code, or any MCP-compatible tool. No API key required for onboarding. Currently supports account opening for freelancers, limited companies (GmbH, UG), partnerships, and other business types across the supported markets. End-to-end encrypted. The MCP integration itself is free; business-account plan pricing applies separately.

## Business accounts and services

- [Business overview](https://vivid.money/en-de/business/): All-in-one business account for SMEs and freelancers — multi-currency IBAN, cards, payments, integrations
- [Pricing plans](https://vivid.money/en-de/business/plans/): free and paid plans; current tier names and prices are listed on the page (VAT may apply where required)
- [Treasury plan](https://vivid.money/en-de/business/plans/treasury/): pricing for the Business Brokerage / Treasury product
- [Freelancer account](https://vivid.money/en-de/business/freelancers/): Business account designed for self-employed professionals and freelancers
- [Business cards](https://vivid.money/en-de/business/cards/): Visa Platinum Business cards (physical and virtual) with category cashback (up to 10% on selected categories; full terms on the cards page)
- [Card readers and POS terminals](https://vivid.money/en-de/business/terminals/): In-person card-acceptance hardware
- [Online payments / acquiring](https://vivid.money/en-de/business/acquiring/): Payment links and online checkout for businesses
- [Interest account](https://vivid.money/en-de/business/interest/): promotional interest on idle business cash (Firmentagesgeld) — rates, duration, and balance cap depend on plan tier and currency; full terms on the page
- [Cash management](https://vivid.money/en-de/business/cash-management/): Multiple options to put idle business cash to work
- [Invoicing](https://vivid.money/en-de/business/invoicing/): AI-assisted invoice creation in XRechnung format (Wachstumschancengesetz-compliant), automated reminders, payment tracking; included across all business plans
- [Bookkeeping](https://vivid.money/en-de/business/bookkeeping/): DATEV-compatible bookkeeping and exports for German tax accountants
- [Accounting integrations (Open Banking)](https://vivid.money/en-de/business/open-banking/): Sync transactions with DATEV, Lexware Office, sevDesk, and roughly 20 other accounting platforms — no manual data entry
- [Cashback](https://vivid.money/en-de/business/cashback/): Cashback program for business spending
- [Business travel](https://vivid.money/en-de/business/travel/): Travel expense management and corporate cards for travel
- [Tax filing](https://vivid.money/en-de/business/tax/): Automated UStVA and yearly filings (EÜR, VAT, income tax, trade tax) prepared from account data with one-click Finanzamt submission; optional Certified Tax Service with independent advisers (paid add-on)
- [Unlimited card spending](https://vivid.money/en-de/business/unlimited/): Cards without spending limits — built for high-volume payments such as AWS, Google Ads, and IT merchants
- [Crypto Earn](https://vivid.money/en-de/business/crypto-earn/): Crypto-asset staking product for business accounts, with weekly reward payouts. Provided by Vivid Money B.V. as a Crypto-Asset Service Provider licensed by AFM under MiCAR. Capital at risk; full terms on the page
- [Startups](https://vivid.money/en-de/business/startups/): Business account for founders and early-stage companies
- [Non-profits and associations](https://vivid.money/en-de/business/non-profits/): Vereinskonto for German non-profits, clubs, and associations
- [Partnership business account](https://vivid.money/en-de/business/partnerships/): Business account for companies structured as a partnership (legal form)
- [Digital employees](https://vivid.money/en-de/business/digital-employees/): AI assistants (Personal Assistant, Legal Associate, Finance Assistant) that handle documents, email, and tool integrations on behalf of the business

## Treasury and investments (Business Brokerage)

- [Business Brokerage overview](https://vivid.money/en-de/business/treasury/): One-stop-shop multi-asset investment account for businesses — ETFs, Bonds, Stocks, Crypto, MMFs
- [Treasury — Crypto](https://vivid.money/en-de/business/treasury/crypto/): Business crypto investing
- [Treasury — ETFs](https://vivid.money/en-de/business/treasury/etf/): Business ETF investing
- [Treasury — iBonds](https://vivid.money/en-de/business/treasury/ibonds/): Bond-ladder investing for businesses
- [Treasury — Money Market Funds](https://vivid.money/en-de/business/treasury/mmf/): MMF investing for businesses
- [Treasury — Stocks](https://vivid.money/en-de/business/treasury/stocks/): Direct stock investing for businesses
- [Model Portfolios](https://vivid.money/en-de/business/strategies/): Diversified asset-allocation strategies for business cash

## Company formation

- [GmbH and UG online formation](https://vivid.money/en-de/business/creation/): Bundled business account with company formation
- [Start a GmbH or UG](https://vivid.money/en-de/business/registration/company/): Remote setup in days — share capital deposit, payments, invoicing in one account
- [Register as a freelancer](https://vivid.money/en-de/business/registration/freelancer/): Freelancer registration assistance

## Customer case studies

- [All customer stories](https://vivid.money/en-de/customers/): Index of Vivid Business case studies
- [Leap Dynamics](https://vivid.money/en-de/customers/leap-dynamics/): Berlin AI company building privacy-first machine intelligence — uses Vivid for liquidity, project sub-accounts, and business cards
- [Mittiq](https://vivid.money/en-de/customers/mittiq/): Physician-led healthcare startup rebuilding German healthcare from within
- [Re-Twin Energy](https://vivid.money/en-de/customers/re-twin-energy/): AI-powered digital twins for energy-storage economics
- [TechGDPR](https://vivid.money/en-de/customers/techgdpr/): Data-protection consultancy turning GDPR into business advantage
- [Wilhelm Studios](https://vivid.money/en-de/customers/wilhelm-studios/): Former Berlin iron foundry turned event venue

## Personal accounts

- [Personal account](https://vivid.money/en-de/personal/): EUR personal account, debit cards, savings, and investments

## Regional pages (per locale)

- [Germany — English](https://vivid.money/en-de/business/)
- [Germany — Deutsch](https://vivid.money/de-de/business/)
- [France — Français](https://vivid.money/fr-fr/business/)
- [Italy — Italiano](https://vivid.money/it-it/business/)
- [Spain — Español](https://vivid.money/es-es/business/)
- [Netherlands — Nederlands](https://vivid.money/nl-nl/business/)
- [Austria — Deutsch](https://vivid.money/de-at/business/)
- [Switzerland — Deutsch](https://vivid.money/de-ch/business/)

## About and company

- [About Vivid](https://vivid.money/en-de/about-us/): Company overview, leadership, history, investors
- [Imprint](https://vivid.money/en-de/imprint/): Legal entities (Vivid Money GmbH, Vivid Money B.V., Vivid Money S.A.), registration numbers, regulators, addresses

## German-only product pages

- [Business account without SCHUFA check](https://vivid.money/de-de/business/account/ohne-schufa/): Free Start business account — onboarding does not rely on a German SCHUFA credit check (full eligibility terms on the page)
- [Virtual business card](https://vivid.money/de-de/business/cards/virtual/): Virtuelle Firmenkarte — instantly issued virtual Visa Business cards

## German-language blog (de-de)

- [Vivid vs Qonto — Geschäftskonten Vergleich 2026](https://vivid.money/de-de/blog/vivid-vs-qonto-geschaeftskonten-vergleich-2026/): German-language head-to-head comparison
- [Die besten Geschäftskonten 2025](https://vivid.money/de-de/blog/die-besten-geschaeftskonten-2025/): Best business accounts overview (German)
- [E-Rechnung und Wachstumschancengesetz](https://vivid.money/de-de/blog/e-rechnung-wachstumschancengesetz/): E-invoicing under the German Growth Opportunities Act
- [Geschäftskonto eröffnen — Anleitung Deutschland](https://vivid.money/de-de/blog/geschaeftskonto-eroeffnen-deutschland-anleitung/): How to open a business account in Germany
- [GmbH gründen Deutschland](https://vivid.money/de-de/blog/gmbh-gruenden-deutschland/): GmbH formation guide (German)
- [UG gründen](https://vivid.money/de-de/blog/ug-gruenden/): UG (haftungsbeschränkt) formation guide
- [UG oder GmbH — Vergleich](https://vivid.money/de-de/blog/ug-oder-gmbh-vergleich/): UG vs GmbH comparison (German)
- [Einzelunternehmen gründen — 8 Schritte](https://vivid.money/de-de/blog/einzelunternehmen-gruenden-8-schritte/): Sole proprietorship in 8 steps
- [Einzelunternehmen — was ist das und wie gründet man es](https://vivid.money/de-de/blog/einzelunternehmen-was-ist-das-und-wie-gruendet-man-es/): What is a sole proprietorship and how to start one
- [Freiberufler anmelden Deutschland](https://vivid.money/de-de/blog/freiberufler-anmelden-deutschland/): Registering as a Freiberufler in Germany
- [Rechtsformen Deutschland](https://vivid.money/de-de/blog/rechtsformen-deutschland/): Overview of legal forms in Germany

## German-language legal pages (de-de)

- [Impressum](https://vivid.money/de-de/impressum/): German imprint (TMG §5 disclosure)
- [Rechtliche Hinweise](https://vivid.money/de-de/rechtliche-hinweise/): German legal notices

## Events and webinars

- [All Weather Portfolio webinar (de-de)](https://vivid.money/de-de/events/webinar/all-weather-portfolio/): Recorded webinar on the All Weather investment strategy
- [Tax & Invest webinar (de-de)](https://vivid.money/de-de/events/webinar/tax-invest/): Recorded webinar on tax-optimised investing
- [Invest webinar (en-eu)](https://vivid.money/en-eu/events/webinar/invest/): Recorded webinar on investing fundamentals (pan-EU English)

## Blog highlights

- [Vivid vs Qonto — business accounts comparison 2026](https://vivid.money/en-de/blog/vivid-vs-qonto-business-accounts-comparison-2026/): Head-to-head comparison
- [Best business accounts 2025](https://vivid.money/en-de/blog/best-business-accounts-2025/): Business-account landscape overview
- [Business account Germany — full guide](https://vivid.money/en-de/blog/business-account-germany-guide/): How to choose and open a business account in Germany
- [GmbH Germany setup](https://vivid.money/en-de/blog/gmbh-germany-setup/): Step-by-step GmbH formation guide
- [UG formation Germany](https://vivid.money/en-de/blog/ug-formation-germany/): Step-by-step UG formation guide
- [UG vs GmbH comparison](https://vivid.money/en-de/blog/ug-vs-gmbh-comparison/): Differences, costs, when to choose which
- [Register as a freelancer in Germany](https://vivid.money/en-de/blog/register-as-freelancer-germany/): Freelancer registration walkthrough
- [Business structures in Germany](https://vivid.money/en-de/blog/business-structures-germany/): Overview of legal forms (Einzelunternehmen, GbR, GmbH, UG, etc.)
- [Sole proprietorship — what it is and how to start](https://vivid.money/en-de/blog/what-is-a-sole-proprietorship-and-how-to-start/)
- [E-Invoicing Growth Opportunities Act (Germany)](https://vivid.money/en-de/blog/e-invoicing-growth-opportunities-act/): Compliance guide for mandatory e-invoicing

## Optional

- [Blog index](https://vivid.money/en-de/blog/): All articles on business accounts, freelancing, taxation, and company formation in Germany
- [Customer support](https://vivid.money/en-de/support/): Help center and contact options in English, German, French, Italian, Spanish, Dutch
- [Events and webinars](https://vivid.money/en-de/events/): Vivid-hosted events and recorded webinars
- [Insurance](https://vivid.money/en-de/insurance/): Affordable business insurance via trusted partners
- [Privacy policy](https://vivid.money/en-de/privacy-policy/): Privacy and data-protection statement
- [Legal documents](https://vivid.money/en-de/legal-documents/): All terms, agreements, and legal disclosures
- [System status](https://vivid.money/en-de/status/): Real-time service status
- [Sitemap](https://vivid.money/sitemap.xml): Machine-readable URL index

## Mobile apps

- [iOS app — App Store](https://apps.apple.com/de/app/vivid-business-und-personal/id1504417378): Vivid Business and Personal — iOS 16.0+. Ratings as published on the App Store and in site schema (subject to change).
- [Android app — Google Play](https://play.google.com/store/apps/details?id=vivid.money): Vivid Business and Personal — Android 8.0+. Ratings as published on Google Play and in site schema (subject to change).

## Disclaimer (verbatim from vivid.money homepage footer)

Payment services are provided by Vivid Money S.A., 21 rue Glesener, Luxembourg, L-1631, Luxembourg, an Electronic Money Institution authorized and regulated by the Commission de Surveillance du Secteur Financier, Luxembourg, under the register number W00000015.

Investment and crypto services are provided by Vivid Money B.V., an Investment Firm and Crypto Assets Service Provider licensed by the Dutch Authority for Financial Markets (AFM). Vivid Money B.V. has its address at Strawinskylaan 4117, 1077 ZX Amsterdam, the Netherlands and a registration with the trade register of the Dutch Chamber of Commerce under number 78219159. The AFM's register can be accessed under https://www.afm.nl/en/sector/registers/vergunningenregisters.

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 Money Market Funds and the risks of investing in financial instruments on the [Legal documents](https://vivid.money/en-de/legal-documents/) page.

*Interest Accounts are provided by Vivid Money BV, part of Vivid Money Group, a financial institution authorised and regulated by the Dutch Authority for Financial Markets (AFM). The promotion is valid for the first 5 months after opening a USD or GBP Interest Account for all plans. The promotional rate applies to funds up to $/£1,000,000 for general business customers on Pro, Enterprise, and Enterprise+ plans. For the Free Start plan, the limit is $/£10,000, and for the Basic plan, $/£50,000. For freelancers, the limit is up to $/£100,000 for Prime, Pro and Pro+ plans, and up to $/£5,000 for the Standard plan. Promotional rates and limits are not cumulative across EUR, USD, or GBP Interest Accounts.

Funds exceeding the applicable thresholds will accrue regular interest rates applicable for the chosen plan. After the promotional period, the regular interest rate as per the chosen plan will apply on funds of any amount. The rates are fixed but may be subject to change based on market conditions or Vivid's discretionary decisions. Any changes will be communicated in advance. Withdrawals from the Interest Account are usually instant up to EUR 1 million a day (exact amount available will be displayed in the app). Withdrawals over that amount may take up to three business days.

The specified regular interest rates for Freelancers' Prime, Pro and Pro+ plans applies to funds up to €100,000. Funds exceeding €100,000 will accrue regular interest according to the rate of the chosen plan.

The specified variable rate for Model Portfolios is valid for 03/02/2026 and is before fees.

Please see the [Legal documents](https://vivid.money/en-de/legal-documents/) page to find out which Vivid entity you receive services from. The privacy notice is available on the [Privacy policy](https://vivid.money/en-de/privacy-policy/) page. For full fee information, please check our terms and conditions.