Lexware Office vs Vivid Business Comparison
Compare Lexware Office vs Vivid Business features, pricing, and more.
Last updated: November 2026
Lexware Office
6.7/10
A German cloud tool for bookkeeping, invoicing, receipt capture, VAT filing and optional payroll, made for freelancers and small businesses.
Vivid Business
6.1/10
Vivid Business is a business account from Berlin-based Vivid Money for European freelancers and SMEs. It bundles cards, multi-currency accounts, invoicing, card acceptance and interest on idle cash.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.7/10 | 6.1/10 |
| Scalability | 4/10 | 6/10 |
| Analytics | 4/10 | 4/10 |
| Compliance | 8/10 | 6/10 |
| Integration | 7/10 | 6/10 |
| Security | 7/10 | 6/10 |
| Support | 6/10 | 5/10 |
| Cost | 8/10 | 8/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | €8/mo S | €7/mo Basic |
| Estimated cost for 10 users | €8/mo S | Free Free Start |
| Features | ||
| Financial Reporting | ||
| General Ledger | ||
| Multi-currency | ||
| Payroll | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Accountant Access | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Tax Compliance | Not listed | |
Lexware Office vs Vivid Business cost by team size
Vivid Business costs less at every team size we checked.
| Team size | Lexware Office | Vivid Business |
|---|---|---|
| 1 user | €8/moS | FreeFree Start |
| 5 users | €8/moS | FreeFree Start |
| 10 users | €8/moS | FreeFree Start |
| 25 users | €8/moS | FreeFree Start |
| 50 users | €8/moS | FreeFree Start |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Lexware Office
- Higher Compliance score (8/10 vs 6/10)
- Higher Integration score (7/10 vs 6/10)
- Includes Financial Reporting, which Vivid Business lacks
- Includes General Ledger, which Vivid Business lacks
- Includes Payroll, which Vivid Business lacks
Why choose Vivid Business
- Has a free plan (Lexware Office does not)
- Lower estimated cost for 10 users: Free vs €8/mo
- Higher Scalability score (6/10 vs 4/10)
- Higher Customization score (5/10 vs 4/10)
- Includes Multi-currency, which Lexware Office lacks
Pros & Cons
Lexware Office
Pros
- Users on OMR Reviews and testers on Experte.de describe receipt scanning and bank matching as fast and easy to set up.
- Creates ZUGFeRD and XRechnung e-invoices and files VAT returns directly to ELSTER.
- Every plan can be cancelled monthly, and users are unlimited according to Für-Gründer.
- Tax advisor access and DATEV export make it easy to hand the books to an accountant.
- An optional payroll add-on handles social security and tax filings for up to 50 employees.
Cons
- Invoices can only be issued in euros.
- Cannot manage several companies, and has no approval workflow and no cost-centre reporting.
- Bookkeeping and VAT returns need the L plan, and recurring features need higher tiers.
- Users report bank connections that drop and support that is hard to reach by phone.
- There is no postal invoice sending and no built-in time tracking.
Vivid Business
Pros
- A free plan with unlimited team members and free virtual and physical cards keeps entry costs low.
- Promotional interest of 4% on EUR and 5% on USD and GBP, plus ongoing interest that rises on higher tiers.
- Invoicing, accounting integrations including DATEV, and a travel tool are included on every plan.
- Unlimited sub-accounts with their own IBANs make cash budgeting simple.
- Enterprise tiers add approval flows with up to three steps, custom roles and budgets.
Cons
- It is not an accounting system: there is no ledger or financial statements, so bookkeeping software is still needed.
- Trustpilot reviewers in 2026 report business funds frozen for weeks with poor explanations.
- Approval flows, custom roles and budgets require Enterprise at 79 euros per month or more.
- A Luxembourg IBAN can be refused for some direct debits, and Vivid is an e-money institution rather than a bank.
- Outgoing international transfers are not available on the free plan, and SWIFT transfers cost up to 30 euros.
Not sold on either?
Frequently Asked Questions
Lexware Office scores higher on our Finance Software criteria: 6.7/10 against 6.1/10 for Vivid Business. The largest gap is in Compliance: 8/10 for Lexware Office and 6/10 for Vivid Business.
Vivid Business costs less for 10 users: free on its Free Start plan, against about €8/mo on its S plan for Lexware Office, billed monthly.
Vivid Business has a free plan; Lexware Office does not list one.
Lexware Office has Financial Reporting, General Ledger and Payroll, which Vivid Business lacks. Vivid Business has Multi-currency, which Lexware Office lacks.
