Best Business Account 2025 in 10 minutes

  • Free business account with up to 30 DE IBANS sub-accounts
  • 3% interest rate on positive balance
  • Up to 10% cashback on purchases
  • Up to €200 000 card spending limit
  • Personal customer support 24/7
Please review our website to understand the scope of our services and our Privacy policy for the use and handling of your data.
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  • 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
  • Best Business Account 2025
    Best Business Account 2025
    BILD.de Best in Test
  • Trustpilot: Excellent!

Plans designed for every business

Monthly
Annual
Save up to 24%

  • Free Start

    0 € / month

    Free of charge at all times
    Get started
    • Accounts & Interest
    • Accounts included
      12
    • Team members included
      1
    • Initial fixed interest rate p.a.*
      3%
    • Fixed interest rate p.a. after 2 months*
      0,1%
    • Variable rate (Interest Strategies), up to*
      6%
    • Currency exchange between own accounts
      Free
    • 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
    • Spending limit in other categories
      100.000 €
    • Transfers
    • Outgoing SEPA Instant transfers
      5 free per month,
      then 0,2 €
    • Fee for outgoing SWIFT transfers
      From 5 €
    • Bulk transfers
      Unlimited
    • Features
    • Invoicing
      Free
    • Bookkeeping documents included
      25
    • Integrations (sevDesk, Lexware Office, DATEV, ...)
      Free
    • Business travel cashback up to
      30%
    • Crypto Earn rewards up to
      12% APY
    • Maximum loan amount & repayment term
      250.000 €,
      12 months
    • 24/7 human support
      Yes

  • Basic

    7 € / month
    excl. VAT
    2 months free trial
    Get started
    • Accounts & Interest
    • Accounts included
      15
    • Team members included
      15
    • Initial fixed interest rate p.a.*
      3%
    • Fixed interest rate p.a. after 2 months*
      0,6%
    • Variable rate (Interest Strategies), up to*
      6%
    • Currency exchange between own accounts
      Free
    • 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
    • Spending limit in other categories
      100.000 €
    • Transfers
    • Outgoing SEPA Instant transfers
      Free
    • Fee for outgoing SWIFT transfers
      From 5 €
    • Bulk transfers
      Unlimited
    • Features
    • Invoicing
      Free
    • Bookkeeping documents included
      Unlimited
    • Integrations (sevDesk, Lexware Office, DATEV, ...)
      Free
    • Business travel cashback up to
      30%
    • Crypto Earn rewards up to
      12% APY
    • Maximum loan amount & repayment term
      250.000 €,
      12 months
    • 24/7 human support
      Yes

  • Pro

    19 € / month
    excl. VAT
    2 months free trial
    Get started
    • Accounts & Interest
    • Accounts included
      20
    • Team members included
      30
    • Initial fixed interest rate p.a.*
      3%
    • Fixed interest rate p.a. after 2 months*
      1,6%
    • Variable rate (Interest Strategies), up to*
      6%
    • Currency exchange between own accounts
      Free
    • 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
    • Spending limit in other categories
      100.000 €
    • Transfers
    • Outgoing SEPA Instant transfers
      Free
    • Fee for outgoing SWIFT transfers
      From 5 €
    • Bulk transfers
      Unlimited
    • Features
    • Invoicing
      Free
    • Bookkeeping documents included
      Unlimited
    • Integrations (sevDesk, Lexware Office, DATEV, ...)
      Free
    • Business travel cashback up to
      30%
    • Crypto Earn rewards up to
      12% APY
    • Maximum loan amount & repayment term
      250.000 €,
      12 months
    • 24/7 human support
      Yes

Up to 10% cashback on your purchases

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.

All-in-One Business Account

your interest rate

Earn 3% interest annually

Keep your uninvested cash in your Interest Account and earn 3% per year for the first 2 months. When the promo period is over, you earn up to 2,3%*.

Instant access to your money

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
  • 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 DE 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.

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

Show all integrations

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.

Open 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.