Get interest on your moneyGet intereston your money

your interest rate
your interest rate

Earn 5% annual Interest rate for the first 2 months, then up to 4% with the Interest Rate Pocket, depending on your Plan. The interest rates will change starting Jan 2, 2025, learn more. Your uninvested cash inside this Pocket is invested by us in Qualifying Money Market Funds, generating interest. Find more information here.

Earn 5% annual Interest rate for the first 2 months, then up to 4% with the Interest Rate Pocket, depending on your Plan. The interest rates will change starting Jan 2, 2025, learn more. Your uninvested cash inside this Pocket is invested by us in Qualifying Money Market Funds, generating interest. Find more information here.

The right account for your business

Your financial solution for small and medium-sized enterprises. Complete your registration in minutes on our web app. Get up to 30 accounts with individual German IBANs. Choose a free plan or the one that suits your needs. Instant SEPA and SWIFT transfers and much more.

The right account for your business

Your financial solution for small and medium-sized enterprises. Complete your registration in minutes on our web app. Get up to 30 accounts with individual German IBANs. Choose a free plan or the one that suits your needs. Instant SEPA and SWIFT transfers and much more.

The personal account for all your needs

Open up to 15 Pockets with individual German IBANs. Earn cashback while spending. Customise your Pockets and cards to your image. Enjoy our state-of-the-art security (PCI DSS certified).

The personal account for all your needs

Open up to 15 Pockets with individual German IBANs. Earn cashback while spending. Customise your Pockets and cards to your image. Enjoy our state-of-the-art security (PCI DSS certified).

Interest account

your interest rate

Earn 5% interest annually

Keep your uninvested cash in your Interest Account and earn 5% per year for the first 2 months. When the promo period is over, you earn up to 4%*. The interest rates will change starting January 2, 2025. Learn more.

Instant access to your money

Top-up and withdraw your funds any day, any time. Money is immediately available upon withdrawal to your account.

We keep your money safe

To protect your money while offering a good return, we invest your money in Money Market Funds (MMF). All the funds we use have AAA/Aaa ratings from rating agencies such as S&P and Moody's and Fitch. Read more about how Vivid safeguards your funds here.

Investing always involves risks and your initial investment amount cannot be guaranteed. You can find more information about Money Market Funds and the risks of investing in financial instruments here.
Easy mobile and web access

Oversee your personal and business accounts in the same mobile app—switch between them seamlessly. Use our web app to conveniently manage your business account from your computer.

Mobile app

Organise your budget and payments by opening multiple accounts with separate IBANs. Send money in a few taps. Issue, customise, freeze and manage your virtual and physical cards in your app.

Web app—for business accounts

Manage your money quickly and efficiently from your browser. Keep all your business accounts safe in one place.

Your money is safe with us

Flowers

Safely stored

Your funds are placed in assets like deposits with the Central Bank of Luxembourg and high-quality qualifying money market funds managed by BlackRock and others. Unlike traditional banks, we don’t use client funds for risky loans.

Overseen by European financial authorities

All our services are provided by the Vivid Money group: Vivid Money SA is regulated by the Commission de Surveillance du Secteur Financier of Luxembourg, Vivid Digital S.r.I. is supervised by Commissione Nazionale per le Società e la Borsa in Italy, and Vivid Money B.V. is regulated by the Dutch Authority for Financial Markets (AFM).

Secured against our insolvency

Your funds are kept separate from our own. In the unlikely event of Vivid Money SA, Vivid Digital S.r.I. or Vivid Money B.V. becoming insolvent, our customers’ money remains safe — even beyond €100,000. The funds in your account are yours, and yours alone.

Safe and seamless payments with Apple Pay

Link any of your Vivid cards to your Apple Wallet and start using them instantly across your Apple devices. Whether in-store, in-app, or online, make purchases with ease and security. Every payment is authenticated with Touch ID, Face ID, or your device’s passcode.

Learn more