Vivid

What Vivid does

Vivid is a Berlin-headquartered European financial platform founded in 2019 by former Tinkoff employees, operating regulated entities in Luxembourg (CSSF-licensed Electronic Money Institution) and the Netherlands (AFM-licensed Investment Firm and Crypto-Asset Service Provider). The company delivers an all-in-one business banking super-app targeted at European SMEs, freelancers, sole proprietors, startups, GmbH/UG formations, partnerships, non-profits, and — more recently — large corporates and institutions. Its core technology stack combines unlimited German IBAN sub-accounts, SEPA Instant and SWIFT transfers powered by Wise, Adyen payment acquiring, BlackRock-backed ETF Model Portfolios, Qualifying Money Market Fund interest accounts, multi-asset Business Brokerage (ETFs, stocks, iBonds, crypto), Crypto Earn, POS terminals, and AI-driven bookkeeping, invoicing, and tax filing. A proprietary layer of Digital Employees (Anna, Lucas, Emma) provides autonomous 24/7 task handling, document processing, and Google Workspace integration, and a recently launched Vivid MCP (Model Context Protocol) exposes these capabilities to third-party AI tools.

Vivid monetises through a tiered subscription model (Free, €6.90/month Basic, €18.90/month Pro, plus tailored Enterprise pricing) with ancillary revenue from payment acquiring (0.79%+€0.25), SWIFT fees (€5 per transfer), brokerage commissions, Crypto Earn spreads, interest-rate float on QMMF deposits, and POS terminal hardware sales (€299.99). The company has raised approximately $187 million across a $73M Series B (April 2021, Greenoaks) and €100M Series C (February 2022, Greenoaks/Ribbit/SoftBank at a €775M valuation), received a £125M investment from NatWest Group in July 2025, and acquired Pile Capital's treasury solution in July 2024. Customer reach exceeds 500,000 across Europe with 50+ native integrations into accounting platforms (DATEV, Lexoffice, sevDesk, Sage, NetSuite), and the brand holds multiple 2026 industry awards (Handelsblatt Top Mobile Banking, F.A.Z. Institut Industry Leader, WirtschaftsWoche Best SME Service Provider).

Go-to-market is product-led growth via a fully digital self-serve onboarding flow (account opening in 10 minutes to 1 hour), supported by organic SEO, content marketing, paid acquisition, the Vivid CFO Club community events, an affiliate programme, and earned media in German fintech press. Distribution channels are exclusively digital — iOS/Android mobile apps and the business.vivid.money web platform — with no physical branch network. Key technology and distribution partners include BlackRock, Wise, Adyen, DATEV, Google, and 40+ other accounting/ERP vendors.

Name

Vivid

Legal name

Vivid Money

Website

https://vivid.money

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

251–500 employees

Short description

Vivid is a Berlin-based European financial platform that provides SMEs, freelancers, and startups with an all-in-one business banking super-app combining accounts, payments, investing, tax filing, and AI-powered Digital Employees.

Ownership category

akta.pro rank

Product category

Digital Banking Platform

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Depository Credit Intermediation (5221), Open-End Investment Funds (525910)

SIC

Finance Services (6199), Investment Advice (6282)

akta.pro primary industry

SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)

akta.pro secondary industries

Execution-Only / Self-Directed Investing Platforms (FSAAAAAI), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA), Open Banking, Account Aggregation & Payment Initiation APIs (BPAMAFAJ)

Keywords

• Business banking platform
• Digital financial services
• Neobank services
• Payment processing solutions
• Treasury management software

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Business Account Subscription Plans: Monthly/annual subscription fees from tiered business account plans (Free Start €0, Basic €6.90/month, Pro €18.90/month) offering differentiated interest rates, cashback caps, SWIFT transfer allowances, and feature access.
2. Freelancer Tax & Advisory Plans: Monthly/annual subscription for tax filing tools: Standard (free), Prime (€6.90/month), Pro (€18.90/month), Pro+ (€41/month). Certified Tax Advisor service at €99/month or €990/year.
3. Card Payment Processing: Transaction fees charged to merchants for receiving card payments: starting at 0.79% + €0.25 per transaction for EEA consumer cards. POS terminal transaction fee at 1.49%. Flat transaction fee on all cards up to 1.49%.
4. Interest Rate Spread: Earned on Interest Account funds placed in QMMFs and central bank deposits; promotional fixed rates (up to 5% p.a.) funded through investment returns on client deposits managed by Vivid.
5. Business Brokerage & Trading Fees: Fees on investment products: ETF service fee from 0.15%/year, iBonds service fee from 0.10%/year, EU stocks €1/trade, US stocks $1/trade, crypto from 0.25%/trade, Model Portfolio service fee from 0.2%/year plus up to 0.5%/year for MMFs.
6. Crypto Earn Programme: Crypto Earn account offering up to 8% APY on selected crypto assets; revenue generated from crypto lending/staking activities and spreads.
7. International Transfer Fees: Outgoing SWIFT transfers at €5 per transfer (free up to plan limits), FX mark-up from 0.05%, with free incoming SWIFT transfers.
8. POS Terminal Hardware & Fees: Terminal price at €299.99 (offered free with plan); revenue from transaction fees on card payments processed through the terminal.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Vivid operates a regulated digital financial super-app that combines business banking (German IBANs, sub-accounts, cards, international payments, POS terminals), investment products (Interest Account with Money Market Funds, Model Portfolios with BlackRock ETFs, multi-asset brokerage), and finance operations tools (AI bookkeeping, invoicing, tax filing, digital employees). The platform serves European SMEs, freelancers, startups, and personal banking customers with fully digital onboarding, dual CSSF and AFM regulatory authorisation, and AI-powered automation across the financial workflow.

Product overview

Vivid is a European financial super-app offering a platform-plus-modules architecture combining business banking, investment services, and AI-powered financial tools. The core platform centers on a Business Account with unlimited German IBANs, supported by Cards & Cashback, International Payments, and POS Terminals. Revenue generation features include Interest Account (up to 5% p.a.), Model Portfolios (BlackRock-backed ETFs), and Business Brokerage (multi-asset investing in MMFs, iBonds, ETFs, Stocks, Crypto). Finance operations are streamlined through Invoicing, Bookkeeping (with AI SKR03/SKR04 categorization), and Tax Filing modules. The platform differentiates with Digital Employees (AI agents Anna, Lucas, Emma) for autonomous task handling, and integrates with 40+ accounting tools including DATEV, Lexware Office, sevDesk, and Sage. Personal accounts extend the offering for individual banking and investment.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Account Digital business current account with unlimited German IBANs, instant SEPA transfers, SWIFT international payments, and real-time financial management, targeted at European SMEs, freelancers, startups, and companies in formation.
• Sub-accounts Unlimited sub-accounts (pockets) within the main business account, each with a dedicated German IBAN for separating finances by project, tax reserve, or budget category.
• Company Cards Virtual, metal, and plastic Visa debit cards for companies and team members with individual spending controls, per-card limits, and integrated cashback rewards.
• Cashback Up to 10% monthly cashback on card purchases at selected brands (Google Ads, Amazon, Facebook Ads, Shell, Lidl, airlines, software) with guaranteed unlimited base cashback on all purchases.
• International Payments International payment services supporting 30+ currencies across 140+ countries via SWIFT, SEPA, and the Wise partner network, with real-time FX conversion and transparent fees.
• Interest Account Business savings account earning up to 5% p.a. fixed for 5 months in USD/GBP or 4% p.a. fixed for 4 months in EUR, with funds invested in Qualifying Money Market Funds (QMMFs) rated AAA/Aaa by S&P, Moody's, and Fitch, with daily interest accrual and instant liquidity.
• Model Portfolios Pre-built diversified ETF portfolios (Permanent, All-Weather, High Yield Bonds, Balanced Bonds, Conservative Bonds) backed by BlackRock bond ETFs for one-click investment.
• Business Brokerage Multi-asset investment platform combining Money Market Funds, iBonds, ETFs, Stocks, and Crypto trading in one account for business treasury management.
• Online Payments (Acquiring) Payment links and online payment acceptance enabling businesses to receive payments via card, Apple Pay, Google Pay, and Samsung Pay, with processing by Adyen.
• POS Terminals Card payment terminals for in-person payments supporting contactless NFC, Apple Pay, Google Pay, and Samsung Pay, with transaction fees starting at 1.49% for EEA consumer cards.
• Invoicing AI-powered invoice creation tool with e-invoice support, payment tracking, and reminder functionality integrated into the business account.
• Bookkeeping Built-in accounting with AI categorisation of transactions to German SKR03/SKR04 accounts, receipt scanning, DATEV export, and accountant collaboration features.
• Tax Filing Automated tax preparation and filing service for freelancers including VAT returns (UStVA), EÜR, income tax, and trade tax submissions directly to the German Finanzamt.
• Digital Employees AI agents including Anna (personal assistant), Lucas (legal associate), and Emma (finance assistant) that work 24/7, process documents, communicate via email, and integrate with Google accounts.
• Personal Account Personal banking account for individual customers offering high interest on uninvested cash, cashback, stocks, ETFs, and cryptocurrency investment options, accessible alongside the business account.

Quantifiable outcome

• Up to 5% p.a. fixed interest on USD/GBP business cash, 4% p.a. on EUR, with daily crediting and instant liquidity
• +7 more outcomes

Named customers11 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration42 records

AI capability9 records

Feature8 records

Partnerships

Eight partnerships are on record, tiered minor, core and major.

• Pile CapitalminorStrategic or Co-development Partner · 2 July 2024Vivid acquired Pile Capital's treasury solution in July 2024 as part of its strategy to expand SME financial services. The phased transition started on July 2nd, enhancing Vivid's treasury and cash management offerings for small and medium businesses.
• BlackRockcoreTechnology or IntegrationBlackRock provides the ETF infrastructure for Vivid's Model Portfolios product. Vivid's model portfolios are invested in bond ETFs managed by BlackRock, one of the world's largest asset managers with over $11 trillion in assets under management.
• Wise (TransferWise)coreTechnology or IntegrationWise powers Vivid's international payment infrastructure, enabling transfers in 30+ currencies to 140+ countries. Most international transfers arrive within hours, many in under a minute, powered by Wise and its global partner network.
• AdyencoreTechnology or IntegrationAdyen serves as Vivid's payment processing partner for POS terminals and card acquiring, enabling acceptance of all major debit and credit cards including Visa, Mastercard, Amex, and mobile wallets.
• DATEVcoreTechnology or IntegrationDATEV integration allows Vivid customers to automatically sync transactions and export documents (invoices, receipts) to DATEV accounting software, simplifying German bookkeeping and tax preparation.
• Lexoffice (Lexware Office)majorTechnology or IntegrationNative integration with Lexoffice for automated transaction synchronisation and document export, serving thousands of German small businesses.
• sevDeskmajorTechnology or IntegrationIntegration with sevDesk online accounting software for automated bookkeeping and invoicing sync.
• SagemajorTechnology or IntegrationIntegration with Sage accounting solutions for invoicing, expense tracking, bank reconciliation, payroll processing, and tax compliance.

Scale indicators9 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Qonto: Paris-based SME neobank offering business accounts, expense management, invoicing, and accounting integrations to European SMBs and freelancers. Most direct head-to-head competitor with comparable product breadth and target customer base.
• Pleo: Danish SME-focused financial platform combining company cards, expense management, and business accounts. Direct competitor in the European SMB segment with strong DACH expansion plans and similar super-app product roadmap.
• Mollie: Amsterdam-based payments platform expanding into full-service business banking (Mollie Capital) for European SMEs. Comparable merchant acquiring + banking bundle targeting similar SMB segments across Benelux and DACH.
• Holvi: Finland-based SME banking platform owned by BBVA, serving European freelancers and small businesses with business accounts, invoicing, and tax tools. Closely comparable product offering and freelancer-focused positioning.
• Finom: Amsterdam/Italy-based SME neobank serving freelancers, sole proprietors, and small businesses across Europe with business accounts, invoicing, and tax tools. Closely comparable product-market fit and customer segments to Vivid.

Broad incumbents

• Revolut Business: UK-based global neobank offering multi-currency business accounts, expense management, and corporate cards across Europe. Larger and broader portfolio than Vivid but directly competing for the same SME/freelancer wallet.
• bunq: Amsterdam-based pan-European neobank with full banking license, offering business accounts, multi-currency features, and business banking tools. Larger incumbent in Dutch market with broader banking capabilities including credit.
• N26 Business: Berlin-headquartered European consumer/business neobank with business accounts for freelancers and SMBs in the Eurozone. Domestic German peer with stronger consumer brand but narrower SME product set than Vivid.

Regional players

• Lunar: Denmark-based neobank with business accounts, invoicing, and investment products primarily serving the Nordics. Comparable platform-plus-modules architecture but geographically focused on Scandinavian SMB market.

Others

• Wise Business: UK-based cross-border payments specialist powering Vivid's international payment infrastructure and offering its own business accounts. Adjacent infrastructure provider and indirect competitor for FX-heavy SME treasury use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/vivid_en
• LinkedInlinkedin.com/company/vivid-money

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vivid