Revolut Business vs Vivid Business: Complete Comparison (2026)
An in-depth comparison of Revolut Business and Vivid Business to help you choose the right tool for your business.
Last updated: November 2026
Revolut Business
6.4/10
Revolut Business is a multi-currency business account. It includes team cards, invoicing and payment links, an optional expenses add-on and accounting integrations, and serves UK, EEA and US companies.
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 | 6.4/10 | 6.1/10 |
| Scalability | 7/10 | 6/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 6/10 | 6/10 |
| Integration | 7/10 | 6/10 |
| Security | 7/10 | 6/10 |
| Support | 4/10 | 5/10 |
| Cost | 6/10 | 8/10 |
| Customization | 6/10 | 5/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | £10/mo Basic | €7/mo Basic |
| Estimated cost for 10 users | £10/mo Basic | Free Free Start |
| Features | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Multi-currency | ||
| Online Payments | ||
| Accounts Payable | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | ||
| Payroll | Not listed | |
Revolut Business vs Vivid Business cost by team size
| Team size | Revolut Business | Vivid Business |
|---|---|---|
| 1 user | £10/moBasic | FreeFree Start |
| 5 users | £10/moBasic | FreeFree Start |
| 10 users | £10/moBasic | FreeFree Start |
| 25 users | £10/moBasic | FreeFree Start |
| 50 users | £10/moBasic | 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 Revolut Business
- Higher Scalability score (7/10 vs 6/10)
- Higher Analytics score (5/10 vs 4/10)
Why choose Vivid Business
- Has a free plan (Revolut Business does not)
- Higher Cost score (8/10 vs 6/10)
- Higher Support score (5/10 vs 4/10)
- Better fit for freelancers (8/10 vs 4/10)
Pros & Cons
Revolut Business
Pros
- The monthly FX allowance at the interbank rate (up to 60,000 pounds on Scale) and more than 25 currency sub-accounts suit firms that pay suppliers abroad.
- Every plan includes card controls, and each team member can have up to 50 virtual cards.
- Xero, QuickBooks, Sage and FreeAgent connect on every plan, and more than 45 accounting tools are listed.
- From Grow up there is a Business API and bulk payments for automating payouts.
- In-app chat support is available 24/7 on all plans.
Cons
- There is no phone support, and a dedicated account manager is only offered on Enterprise.
- Charges add up past the allowances: 0.6% on FX overage, 1% outside market hours and 2% on cash withdrawals.
- There are no cash or cheque deposits, overdrafts, or inbound Direct Debits.
- Some users report accounts being frozen or restricted during compliance reviews.
- Expenses and Payroll cost extra per user on top of the plan fee.
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
Revolut Business scores higher on our Finance Software criteria: 6.4/10 against 6.1/10 for Vivid Business. The largest gap is in Cost: 6/10 for Revolut Business and 8/10 for Vivid Business.
Vivid Business has a free plan; Revolut Business does not list one.
Vivid Business is the better fit for freelancers: we rate it 8/10 for them, against 4/10 for Revolut Business.
