Vivid Money presents itself as an innovative neobank aimed at modern entrepreneurs and freelancers with a flexible and comprehensive business account offering. The bank stands out with its combination of high user-friendliness, attractive interest rates and a cashback program that offers up to 5% cashback on business expenses. These features position Vivid Money as an interesting alternative to traditional banks and other digital competitors in the market.
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Target group: Who is the Vivid Money business account suitable for?
The Vivid Money business account is aimed at a wide range of business customers, including solo self-employed, freelancers and small to medium-sized businesses. The flexible account model structure allows users to choose the plan that best suits their business model and financial requirements. From sole traders making small monthly transactions to larger companies with a need for extended banking services, Vivid Money offers customized solutions.
Rates and costs: Detailed analysis of Vivid Money offers
Vivid Money offers various tariffs that differ in their scope of services and price structure:
Free Start: this tariff is particularly suitable for beginners, as it charges no monthly fees and includes basic banking services such as five free bookings per month.
Freelance Standard: One level higher, this tariff offers unlimited booking items and is therefore ideal for freelancers and solo self-employed people who have a higher transaction frequency.
Freelance Prime: For a monthly fee of €7.90, customers receive additional benefits such as unlimited account users and sub-accounts as well as increased cashback limits.
Enterprise: This premium plan is aimed at medium-sized companies and offers extensive services such as 1,000 bookings per month and up to 30 sub-accounts.
User experience and market comparison
Vivid Money is generally rated positively, especially because of its user-friendly app and attractive conditions such as the cashback program and high interest offers. Users appreciate the quick and easy account opening and the transparency of the fee structure. Compared to other neobanks such as N26 or Finom, Vivid Money offers unique advantages, but also faces challenges such as limited deposit protection and room for improvement in customer support.
Account opening process at Vivid Money
Opening a business account with Vivid Money is a fully digitized process that is completed via the mobile app or website. Registration requires basic information about the applicant and the company. The process also includes a photo-identity check, which allows for quick and secure verification.
Frequently asked questions about Vivid Money
Security: Vivid Money uses advanced security protocols, including two-factor authentication, to ensure user accounts are protected.
Deposit protection: Deposits are protected by the Dutch ICS up to €20,000, which is lower than the standard German protection limit of €100,000.
Supported business forms: Vivid Money supports most German legal forms, with the exception of non-profit companies and companies in formation.
Conclusion: Evaluation of the Vivid Money business account
In conclusion, the Vivid Money business account is particularly attractive for those looking for a digital, flexible and cost-effective banking solution. Despite some limitations in deposit protection and occasional technical challenges, Vivid Money offers a comprehensive range of services that make it a serious consideration for modern entrepreneurs and freelancers.
