Vivid expands services to small- and medium-sized enterprises

January 23, 2024
  • Unique combination of private and business financial management in one single app.
  • 4 percent interest on EUR accounts, with the flexibility of 24/7 top-ups and withdrawals.
  • A state-of-the-art monitoring and fraud prevention system allows for flexible limits tailored to each payment category, accommodating growing customer needs for high transaction amounts.
  • Business customers gain exclusive access to a specialized desktop version, accessible via a web browser, enhancing usability and accessibility for professional needs.

Berlin, January 23, 2024 – The European financial platform Vivid is today launching Vivid Business for companies and their teams. This means that not only end consumers and self-employed individuals can now manage their finances conveniently and flexibly with Vivid, but also companies with team members. Whether you're a start-up, small or medium-sized company – Vivid Business for companies makes financial management enjoyable again. Thanks to a unique combination, employees can manage both their personal finances and business expenses quickly and conveniently via one user-friendly app. Companies receive 4 percent fixed interest on up to 10 million euros via the new interest account, specially developed for corporate customers. 

Unlimited accounts and cards with a state-of-the-art fraud prevention system

With the new Vivid Business for small and medium-sized enterprises, companies can open a corporate account within only a few minutes. Once onboarded, they can open an unlimited amount of subaccounts with each of them having their own German IBAN. Thanks to the transaction monitoring system developed entirely in-house by Vivid, high limits may also be activated on Vivid's business cards from VISA. Each card can be flexibly personalized according to transaction categories, making it suitable for high-value corporate transactions. Payments for non-business activities, such as gambling, can be restricted, while substantial business-related expenses, like online advertising costs up to 1 million euros, are fully permissible

VISA's Vivid Business Platinum card is available in various colors, both as a physical card made of metal or recycled PET and as a digital card. Thanks to mobile payment solutions, newly added team members are also able to make their first payments within seconds of onboarding. Google Pay is available right from the launch of Vivid Business, while Apple Pay will follow at the end of February. An unlimited number of cards can be issued.

Industry-leading up to 4 percent interest rate
In addition, businesses will now finally also profit from high-interest rates. Corporate customers will receive a fixed amount of industry-leading of up to 4 percent interest on up to 10 million euros. Unlike incumbent products, with Vivid Business, companies have access to the funds of the interest account at all times. It can be deposited and withdrawn anytime within seconds and free of charge. The money is invested in short-term money market funds. With that, Vivid is combining the best of all worlds – high-interest rates and instant liquidity. Companies can always face unexpected outflows, thanks to Vivid’s interest account, companies can store their funds safely, earn interest and still access the money 24/7.

Corporate and personal financial management in one app

With that, the new Vivid Business is merging once again personal and corporate finances, while still strictly separating them. Next to known personal space in the Vivid app, corporate customers get an all-new business space where all corporate accounts are visible. Users can be invited to multiple companies at the same time. However, a private account with Vivid is not mandatory but can be opened in just a few steps. 

While users can conveniently manage team members, set limits or scan receipts on the go, in the mobile Vivid app, some tasks require a little more space. That's why the new Business Space gives corporate customers access to an online desktop version of Vivid. The design and workflows are very similar to the Vivid app, which is why Vivid customers will find their way around immediately.

But that’s not all: Sometimes things must be faster and urgent payments are essential for frictionless operations, corporate customers can now choose to make transfers with SEPA Instant in just a few seconds. In addition, accounting integrations with DATEV and Lexoffice are available with more coming soon. Since starting anown business can sometimes mean late-night work, Vivid is always there to support. The Vivid Business team is available 24/7 in less than 60 seconds to answer every question that might come up.

"The unique combination of private and business financial management within one app is designed to make life easier for users – regardless of whether they pay with their private or business card. User-unfriendly, dull financial apps are now a thing of the past. At the same time, companies benefit from a high interest rate on their deposited money through our new interest account. Vivid is the first app in Europe to combine investing and paying," says Alexander Gutman, Head of Business Products at Vivid. "The roll-out to corporate customers is just the start. New unique products and services for corporate customers in many European countries will soon follow." 

Vivid Business for companies launches in all countries of the European Union and is free to use. The additional plans, Basic, Pro and Enterprise, start at 7 euros monthly. More information and a full overview of prices and functions can be found at

Accounts, cards and payments services are provided by Vivid Money S.A., part of Vivid Money group, financial institution authorised and regulated by the Commission de Surveillance du Secteur Financier of Luxembourg.

Interest accounts are provided by Vivid Money B.V., part of Vivid Money group, financial institution authorised and regulated by the Dutch Authority for Financial Markets (AFM).

About Vivid

Vivid is the first financial service platform that combines all your daily money needs in one app. Whether it’s spending, saving or investing – Vivid offers an easy, flexible and transparent solution to grow your money. The company's mission is to provide its more than 500,000 customers throughout Europe with a superior payment and investment experience and to offer a wide range of financial services (including savings accounts, multi-currency accounts and investments in stocks and crypto) without unnecessary fees. Vivid was founded in 2019 in Berlin and consists of an international, highly qualified team of 200 employees. Vivid has already raised over 200 million euros from renowned investors, including Ribbit Capital, Greenoaks Capital and the SoftBank Vision Fund 2, and is valued at 775 million euros.

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