Vivid Business Free Start
Business account with Visa cards for all legal forms – Free Start with no base fee.
Data as of:
Score: 8.2 / 10 · Very good
Rating: 7.9 / 10 · No reviews yet
Best for: Companies & freelancers
Overview
The Vivid Business Free Start is a debit card from Vivid Money S.A. on the Visa network. Business account with Visa cards for all legal forms – Free Start with no base fee. It comes with no annual fee on a permanent basis. A surcharge of 2 % applies to payments in foreign currency.
Who is it for?
Our take: Companies & freelancers. Its strengths lie in mobile payments. It is issued with a German IBAN. As a debit card, transactions are debited directly from your account.
How the score is calculated
Overall score: 8.2 / 10 · Very good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 3.3 / 10 |
| Cash worldwide (14 %) | 3.3 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 3.6 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Highlights
- Free Start with no base fee
- For all legal forms, unlimited team members
- €100 cash per month free, then 2%
- Freelancer plan: card payments with no FX fee
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Visa |
| Issuer | Vivid Money S.A. |
There is no annual fee. Outside the euro area a 2 % foreign currency fee applies. A fee of 2 % + 2 % foreign currency fee applies to cash abroad (€100 per month free). In Germany, cash withdrawals cost 2 % (€100 per month free). Billing: Immediate deduction from the business account on each payment.
Redirect to provider · non-binding
This card in our comparisons: Business & Corporate Credit Cards · Visa Credit Cards Compared
Related guides: How to apply for a credit card in Germany · Types of credit cards in Germany explained · Credit card application documents in Germany
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Frequently asked questions
- What does the Vivid Business Free Start cost per year?
- The Vivid Business Free Start has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Vivid Business Free Start charge foreign currency fees?
- Yes. Outside the euro area the Vivid Business Free Start charges a 2 % foreign currency fee.
- Is the Vivid Business Free Start a genuine credit card?
- The Vivid Business Free Start is a debit card — transactions are debited directly from your account.
- How is money on the Vivid Business Free Start protected?
- NO statutory deposit guarantee. Vivid Money S.A. (Luxembourg) is supervised by the CSSF; customer funds are held separately from company assets and do not form part of the insolvency estate.