Vivid Money • EUR
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Ingrid Schneider · Updated: 3 September 2026
Vivid Money is not a traditional bank but a digital financial services provider that offers several account tiers specifically for freelancers and self-employed people under the Vivid Business brand. The product reviewed here is internally labelled "Pro - Selbstständige" and corresponds to the "Pro" tier in Vivid's "Rates for Freelancers" lineup on its website. It sits between the free entry-level Standard tier and the more extensive Pro+ tier, and targets freelancers and sole traders with somewhat higher functional needs, such as more international transfers or expanded reporting.
Checking the live offer page revealed a clear discrepancy from the figures originally stored in the database: that source listed an annual price of €96.80, which works out to roughly €8.07 per month. The current Vivid page, however, lists the "Pro" tier for freelancers at €18.90 per month, which projects to about €226.80 per year. New customers get two free trial months on all paid tiers (Prime, Pro, Pro+), reducing the amount payable in the first year accordingly. For this review, the current, live-confirmed price of €18.90 per month is treated as authoritative, since it is more recent than the originally imported database value. For comparison: the entry-level Standard tier is free indefinitely, the mid-tier Prime costs €6.90 per month, and the most extensive tier, Pro+, is €41 per month. Anyone who only needs a simple account without extensive extra functionality should check before signing up whether the cheaper Prime tier would already cover their needs — the jump from Prime to Pro is around €12 per month.
On the plus side, online transactions on the Pro account are free across the board — the database lists a fee of €0 per booking for the entire transaction range, regardless of monthly volume. The live page confirms this for SEPA Instant transfers and incoming SWIFT payments, which are free of charge on every tier. Outgoing international transfers carry a tiered fee, described on the offer page as ranging between €0 and €5 per month, though the exact breakdown for the Pro tier specifically was not visible in detail. According to the provider, the account comes with both a virtual and a physical card, both free of charge — specific card data was not present in the imported dataset but was confirmed on the live page. No reliable information is available on an overdraft facility; a classic overdraft is generally uncommon for this type of account anyway.
According to the stored data, the account is managed through three channels: the app, online access via computer, and a phone support channel. There is, however, no physical branch — anyone expecting a traditional in-person advisory appointment is at the wrong address with Vivid. For digitally-minded freelancers who already handle their bookkeeping mostly on a smartphone or laptop, this purely digital setup is unlikely to be a drawback and should instead mean faster processes for account opening, transfers, and card management.
Anyone considering Vivid should be aware of one key difference from traditional banks: according to the stored product data, the provider is not subject to its own deposit guarantee scheme. Vivid is explicitly classified here as an intermediary or service provider rather than a bank in the strict sense — customer funds are either held elsewhere, or there simply is no classic deposit protection of the kind that applies to a German bank account. The protected maximum amount is listed in the product data as €0. This is not necessarily a dealbreaker, but it should be consciously factored in before opening an account, particularly by self-employed people who keep larger balances on their business account. Anyone who regularly parks large invoice amounts on the account before passing them on to a tax advisor or the tax office should weigh this point especially carefully against the cost advantages of the digital account.
According to its stated target group, Vivid's Pro account is explicitly designed for freelancers and sole traders — classic corporate forms such as a GmbH are not part of the intended audience. The account is managed exclusively online, by phone, or via the app; there are no branches. That makes the offer best suited to digitally-minded self-employed people who value fast app handling, free transfers within the SEPA area, and straightforward account opening, and who can do without classic deposit protection. For freelancers with international clients, the combination of free SEPA Instant transfers and free incoming SWIFT payments can be especially useful, since cross-border incoming payments are not made more expensive as a result. Anyone who rarely has more than a handful of bookings per month should in any case also consider the free Standard tier as an alternative.
No detailed step-by-step information on the account-opening process itself was available from the live check; sign-up with Vivid generally happens digitally via the website or the app.
Vivid Pro is a feature-rich, digital business account for freelancers, standing out with free SEPA Instant transfers, free cards, and fully app-based account management. The real-world price currently sits at €18.90 per month, noticeably higher than the figure originally listed in the database — anyone interested in the account should double-check the current price directly with Vivid before signing up. Just as important is the lack of classic deposit protection, which should be factored into the decision. In short, Vivid Pro suits freelancers who prefer internationally oriented, app-based payments over a traditional branch account and who consciously accept the lack of deposit protection in exchange.
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