Vivid Business and Personal

The right app for all your needs. Open a Vivid Business account for companies and freelancers, or a Vivid Personal account for individuals.

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Best Business Account 2026 – verivox.de
Top Mobile Banking 2026 – Handelsblatt.com
Best Service Provider for medium-sized businesses 2026 - Wirtschafts Woche - wiwo.de
Digital Finance Expert of 2026 - faz.net
Best Digital Banking 2026 - Deutscher Service Preis - disq.de
Trustpilot: Excellent! | 25,000+ reviews

FREE ONLINE REGISTRATION IN MINUTES
— Start with a free plan for €0/month
— Free trial for any paid plan

MULTIPLE ACCOUNTS, MULTIPLE IBANS
— Get unlimited IBANs with a business account
— DE IBANs available across Europe
— Local IBANs available in the Netherlands (NL), Spain (ES), France (FR), and Italy (IT) for business customers

EARN DAILY INTEREST
— Earn 5% annual interest on USD/GBP Interest Accounts for 5 months and 4% annual interest on EUR Interest Accounts for 4 months* (Vivid Business)
— Pick an Interest Strategy with a diversified approach for higher yield potential (Vivid Business)
— Add and withdraw funds anytime

PERSONALISED VISA CARDS
— Get multiple virtual or physical cards
— Pay with your phone using Google Pay
— Withdraw from ATMs worldwide
— Free delivery of your first business card
— High spending limits and no block for high activity (Vivid Business)
— Change your PIN, freeze cards, set limits, and manage payment settings in seconds

REWARDS EVERYDAY
— Up to 10% cashback on monthly categories of purchases and specific brands
— Up to 1% unlimited cashback on all card purchases (Vivid Business)
— Earn extra rewards for recommending Vivid

FAST TRANSFERS
— Free unlimited SEPA Instant transfers
— Add money with a card or Google Pay
— Pay all your bills at once with bulk transfers (Vivid Business)

INTERNATIONAL TRANSFERS (Vivid Business)
— Send money to 70+ countries
— Receive from 150+ countries
— 22 currencies available

24/7 SUPPORT
— Assistance via chat or email
— Dedicated account manager with Pro plan and higher (Vivid Business)

BUY & SELL CRYPTO
— Trade 150+ coins 24/7

INVEST IN STOCKS, ETFS & MORE
— Buy and sell 2,000+ stocks, ETFs and MMFs
— Invest in iBonds
— Get dividends

GET PAID BY CARD IN SECONDS (Vivid Business)
— Receive payments via links, invoices or website plugins
— Accept Visa, Mastercard or Google Pay

SMART INVOICING TOOL (Vivid Business)
— Create and send invoices in a few clicks
— Pay incoming invoices by uploading a photo or file
— Scan receipts and match them to payments

EASY ACCOUNTING (Vivid Business)
— Sync all your payment accounts and collaborate easily with your accountant
— File your VAT and taxes in-app (in Germany)

AI DIGITAL EMPLOYEES (Vivid Business)
— Lucas: AI legal associate
— Anna: AI personal assistant
— Emma: AI financial assistant (coming soon)

PLAN YOUR WORK TRIPS (Vivid Business)
— Book accommodations and flights in the app
— Earn up to 30% cashback on every stay

ADD TEAM MEMBERS (Vivid Business)
— Assign Admin, Assistant or Employee roles with different levels of access

MOBILE AND WEB ACCESS
— Organise your finances from our mobile app or web app (Vivid Business)

EASY BUDGETING
— Intuitive analytics and reports on your spending patterns
— Pre-plan future transfers

STATE-OF-THE-ART SECURITY
— Get immediate notifications for each transaction
— Card’s CVV only visible from your app
— Biometric login

Vivid Money S.A. provides accounts, cards and payment services for Vivid Business and Personal.
Vivid Money B.V. provides investing services, Interest accounts, Interest Rate Pockets and Crypto services.
More info on vivid.money

*Promo rate applies up to plan-based limits (up to 1,000,000 for business Pro, Enterprise & Enterprise+, 50,000 Basic, 10,000 Free Start, up to 100,000 freelancers/personal; 5,000 Standard). Limits apply per currency and aren’t cumulative across EUR, USD, and GBP accounts. Above limits and after the promo period, the regular plan rate applies.