The Interest Account that makes your money work for you

Grow your funds with 4% fixed annual interest rate*.

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Best Business Investment Account 2026
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4% fixed annual interest rate on your uninvested cash

With an Interest Account at Vivid, you make the most of your uninvested cash. Secure a 4% fixed annual interest rate for the first four months* — then enjoy up to 2% p.a., depending on your plan.

Earn interest — every single day

Once you have opened an Interest Account and made your first deposit, you are ready to earn. Returns are added to the Interest Account every business day. Sit back and relax while watching your balance grow.

Access your cash instantly

Stop locking away your money with old-fashioned fixed-term saving products! While your funds are held in the Interest Account, you can withdraw it anytime.* Transfer your cash to a Money Account whenever you need to.

European Trusted platform

Safely stored

Your funds are placed in secure instruments like central bank deposits and high-quality Qualifying Money Market Funds (QMMFs). Unlike traditional banks, we don’t use client money for risky lending.

Secured against our insolvency

Your funds are kept separate from our own at all times. In the unlikely event of insolvency, your money remains yours — safeguarded and ring-fenced, even beyond €100,000.

Authorised by the AFM

Vivid Money B.V., part of Vivid group, is authorised and regulated as an investment firm and a Crypto-Asset Service Provider by the Dutch Authority for the Financial Markets (AFM).

Superior payment security

We comply with the Payment Card Industry Data Security Standards to protect your payment information.

2-step authentication

With 3D Secure and two-step authentication we ensure no payment is made without your authorisation.

GDPR compliance

Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.

Get started in a few simple steps

Complete onboarding and open your business account

Add funds and allocate part of your business cash

Start earning returns and adjust anytime

Open an Interest Account

Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.

All-in-one financial management

Business Account

With a quick registration you unlock unlimited IBANs. Discover the ease of managing all your finances from a single platform.

Interest Strategies

Put your business cash to work with ready-made strategies built around a diversified bond portfolio.

Cards & Cashback

Start cutting costs with up to 10% monthly cashback on the team’s card purchases at Google Ads, Amazon and others.

Quick transfers

Gain full flexibility with SEPA Instant transfers, SWIFT transfers and easy redirects of direct debits.

Unlimited Card Spending

Issue a card for every team member, claim guaranteed cashback and make payments for IT & Ads services without worrying about limits.

Online payments

Boost your revenue by making online payments effortless — whether customers pay via bank transfer or card.

Financing

Apply for a loan of up to €200.000 to fulfill all your project needs. Fully online and hassle-free with a trusted partner.

Invoicing

Issue comprehensive invoices, track what's owed and send reminders.

Integrations

Streamline all your money management by connecting with powerful accounting tools and financial applications.

Business Travel

The first tool to let you search, book and pay for hotels directly from your account — including up to 30% travel cashback!

Crypto Earn Account

Earn up to 8% Annual Percentage Yield on selected crypto assets and withdraw earnings instantly.

Got more questions about investing with Vivid?

What is the Interest Account?
The Interest Account lets you earn a fixed return on uninvested business cash while keeping it fully accessible. Interest is calculated annually and credited daily, with no lock-in periods for uninvested funds. Learn more.
How liquid is my money across these products?
Liquidity depends on the product you choose:
Interest Account: high liquidity, with instant access to uninvested cash
Interest Strategies: medium liquidity, depending on market trading hours
Smart Treasury: liquidity depends on the selected assets and market conditions
How does Vivid ensure the safety of my funds?
Vivid Money B.V. is a licensed investment firm and a Crypto-Asset Service Provider regulated by the Dutch Authority for the Financial Markets (AFM). Client funds and assets are safeguarded and kept separate from Vivid’s own assets, including amounts exceeding €100,000 usually protected by the national Deposit Guarantee Scheme (DGS) applicable to banks. Learn more.
Are returns guaranteed?
No. None of Vivid’s products offer guaranteed returns. Fixed Interest pays a fixed interest rate agreed in advance. Capital and interest are subject to the credit risk of Vivid and are not covered by a deposit guarantee scheme. Interest Strategies and Smart Treasury offer variable returns based on market performance and can fluctuate in value. Investors may lose part or all of their invested capital. Learn more.
What fees apply to investing with Vivid?
Holding cash with fixed interest in the Interest Account is free. Fees apply only when investing via strategies or trading assets in Treasury and depend on your plan and activity. Full pricing details are available on product pages. Learn more.