Berlin‑based fintech Vivid Money has quietly surged past 50,000 business customers, a milestone it hit in mid‑June 2025—just 16 months after launching its Vivid Business offering in January, designed for freelancers and SMEs. That’s averaging over 100 new business accounts per day and more than 3,000 per month—remarkably rapid growth in the B2B banking space.
How Vivid compares
While neobanks like Revolut (500,000+ business accounts since 2017) and Monzo (625,000 since 2020) operate at a much larger scale, Vivid’s current trajectory shows strong per-quarter momentum. It aims to reach 75,000 SME clients by Q3 2025, a target it deems well within reach given recent growth.
What’s driving this surge
Vivid’s appeal to SMEs comes from a rapidly expanding suite of business-friendly features introduced over the past year:
- High-yield interest accounts (up to 5% variable annual returns)
- Smart Business Loans, offered with Banxware
- Expense and travel management tools for coherent booking and travel workflows
- Unlimited cashback and DATEV integration, streamlining German accounting
- Europe’s first SME crypto staking account, powered by MiCAR-regulated services
Each product addition helps stitch together a full SME banking experience, complementing core account and card services.
Moreover, in July 2024, Vivid acquired Pile Capital’s treasury solution, allowing it to offer advanced cash-management capabilities to business clients—like multi-banking and liquidity automation—further solidifying its SME BISOS (bank-in-one super app) strategy.
What’s on the horizon?
In the coming quarter, Vivid is set to level up with two launches :
- Card‑acquiring functionality: enabling merchants and service providers to accept card payments directly through the Vivid platform.
- Smart treasury interface: a unified investment interface for idle liquidity, offering options across ETFs, money-market funds, iBonds, and crypto assets—all under one roof.
Additionally, Vivid is working on broadening cross-border transfer capabilities, which will better support SMEs operating internationally.
Why it matters
- Vertical breadth: Vivid is transforming from a digital banking backend to a full-stack SME finance partner, covering deposits, lending, payments, and investments.
- Regulatory strength: With its MiCAR license, it stands among Europe’s first crypto-regulated platforms—critical for confidence when offering staking services .
- Competitive differentiator: Card acquiring and treasury capabilities position Vivid to directly compete with legacy banks and dedicated acquirers by bundling more services in one platform.
Vivid isn’t just growing fast—it’s strategically layering in capabilities that might one day redefine SME banking norms. The addition of acquiring and treasury services will not only deepen user engagement but also diversify revenue through merchant fees and asset management.
If Vivid sustains its growth pace and successfully rolls out its roadmap, it may follow fellow disruptors like Tide, Qonto, and Holvi in building a truly holistic SME finance ecosystem—but with a sharper edge in treasury and crypto assets.
