Let your money work for you

Interest Rate Pocket

Сoming soon

Let your money work for you: earn up to 5.31% a year

Keep your EUR and USD funds in your Interest Rate Pocket and earn an interest rate as high as 5.31% a year on your deposits.

Interest rate is a 30-day yield as of 12 March 2024.

Keeping your money safe

To protect your money while offering you a good return, we invest your money in money market funds. All the funds we use have AAA/Aaa ratings from rating agencies such as S&P and Moody's and Fitch.

Authorised by the AFM

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

Your investments are safeguarded

Your investments are protected under the Dutch Investor Compensation Scheme up to €20,000. Please read the specific conditions that apply.

Interest rates

Interest rate is a 30-day yield as of 12 March 2024. If applicable, FX conversion fees may apply and you may have to pay taxes - such as the capital gains tax - on your earnings.

5.31%

USD

3.74%

EUR

Why start?

Earn interest every day

Returns are added to the Interest Rate Pocket every business day — and you can access them right away. Don’t freeze your money with old-fashioned fixed term saving products.

Easy

Top up your Vivid account with Apple and Google Pay, Visa and Mastercard, SEPA transfers.

24/7

Withdraw top up your Interest Rate Pocket instantly at any time.

Track your growth in real time

Clear and simple visualisation of your Interest Rate Pocket dynamic with your Vivid App.

0% fee. Even for past purchases.

Learn more →

Calculate how much you can earn

One-time deposit1000 €

10 €5000 €

For a period of5 years

1 years5 years

If you invest in EUR with 3.74%

€ 1205.62

€ 205.62 of total interest

Interest rate is a 30-day yield as of 12 March 2024.

Here is how you start

1
Open your account

Open your Vivid account in 5 mins. Create your Interest Rate Pocket on the Pockets screen in the app.

2
Top up your Pocket

Make a deposit of minimum 2€ and pick between EUR or USD fund.

3
Watch your money work for you

Track your funds changes in real time.

Questions?

How to find IBAN number?
Your IBAN number can typically be found on your bank statement or via your online banking system. Alternatively, an IBAN calculator can generate your number based on your local bank details.
Is IBAN and SWIFT code the same?
IBAN and SWIFT code are not the same. The IBAN identifies a specific bank account for international transactions, while the SWIFT code identifies the bank itself.
How many digits in an IBAN number?
IBAN number can have up to 34 alphanumeric characters. This includes a country code, check digits, and a domestic bank account number.

Investing always involves risks. Therefore, the value of your investment and the income from it will vary and your initial investment amount cannot be guaranteed. The value of investments and the income from them can fall as well as rise and is not guaranteed. You may not get back the amount originally invested.
A Money Market Fund (MMF) is not a guaranteed investment vehicle. An investment in MMFs is different from an investment in deposits; the principal invested in an MMF is capable of fluctuation and the risk of loss of the principal is to be borne by the investor.
The MMF does not rely on external support for guaranteeing the liquidity of the MMF or stabilising the NAV per share.
Short Term Money Market Funds do not generally experience extreme price variations. Changes in interest rates will impact the Fund. Counterparty Risk: The insolvency of any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, may expose the Fund to financial loss. Credit Risk: The issuer of a financial asset held within the Fund may not pay income or repay capital to the Fund when due.

Vivid Money S.A., 21 rue Glesener, Luxembourg, L-1631, Luxembourg, a Financial institution authorized and regulated by the Commission de Surveillance du Secteur Financier, Luxembourg, under the register number W00000015.

If you have a bank account with Solaris SE, where Vivid Money GmbH is acting as an outsourcing provider of Solaris SE for the provision of bank account services and debit card services, you can find more information here.

Please note that all our Invest 2.0 services are provided to you by Vivid Money B.V. that is licensed as an Investment Firm by the Dutch Authority for Financial Markets (AFM). Vivid Money B.V. has its address at Strawinskylaan 4117, 1077 ZX Amsterdam, the Netherlands and a registration with the trade register of the Dutch Chamber of Commerce under number 78219159. The register can be accessed under https://www.afm.nl/en/sector/registers. Vivid Money BV also offers the brokerage of transactions for the purchase and sale of financial instruments in context of the currency conversion products.