Paid business account: the new way to grow your cash flow

Having a business account is essential for any company. But having a paid business account? That is even better.

Today, more and more freelancers, microbusinesses and SMEs are looking for ways to optimise their financial management. In times of inflation, letting your cash sit idle in a current account is essentially losing money. That’s where a simple, flexible and profitable solution comes in: the paid business account. 

But what exactly is it? And how do you choose the right one? Here’s everything you need to know.

Summary 

1. What is a paid business account?
2. Why choose a paid business account in 2025?
3. Do traditional banks offer paid business accounts?
4. The Vivid Interest Account
5. FAQ

What is a paid business account?

A paid business account is a cash management solution that lets you earn interest on your available balance.

In simple terms, your money doesn’t just sit there: it works for you. Depending on the account you choose, you’ll earn either a fixed or variable rate of interest. That means passive income just by keeping funds in your account. The longer your balance stays stable, the more interest you earn.

This type of account is especially useful if:

• You have surplus cash flow.
• You want a low-risk, no-fuss way to make your money work without investing in complex financial products.
• You’re a freelancer, small business owner or sole trader who needs flexibility.

Unlike a term deposit (such as a time deposit), a paid business account is fully liquid: your money remains accessible at any time. So you always stay in control of your finances.

In short, it’s a modern tool to optimise your cash management, without added complexity or loss of flexibility.

Why choose a paid business account in 2025?

Running a business or working as a freelancer in 2025 means juggling efficiency, speed and financial optimisation. Every pound matters, especially when idle cash is a missed opportunity.

That’s exactly why more and more entrepreneurs are turning to paid business accounts.

Automatic returns, no effort required

With a paid business account, your funds earn interest automatically. The interest is calculated based on your daily balance and paid on a regular basis: daily, weekly or monthly, depending on the provider. 

It’s a genuine form of passive income. No active management required. No financial expertise needed.

A fixed interest rate 

Most paid business accounts offer a clearly defined, fixed interest rate. You know exactly what you’ll earn, no surprises. It’s a secure way to grow your cash, perfect for cautious profiles or growing businesses.

Flexible access to your funds

Need to react fast? Your funds stay available at all times. Unlike term deposits, where your money is locked away for a set period, here you can move your cash in and out instantly, with no penalties.

That makes it a great fit for freelancers, sole traders and microbusinesses who value agility.

Real cash optimisation

A paid business account allows you to make the most of every pound, even the money sitting idle between invoices, projects or seasonal dips. Just a few days of positive balance are enough to start earning interest.

This kind of account ensures your cash is always working, passively and efficiently

Do traditional banks offer paid business accounts?

Most traditional banks still offer outdated products that don’t suit the needs of freelancers or small businesses. Their so-called paid business accounts often come with major limitations:

• Rigid conditions or locked-in terms 
• Minimum balance requirements 
• A lack of transparency

In short, these offers are mostly aimed at large corporations, not independent professionals or growing businesses

The Vivid paid business account: the Interest Account

At Vivid, we’ve created the Interest Account: a paid business account designed to grow your cash while adapting to the realities of modern business.

Whether you're a freelancer, SME owner or scaling entrepreneur, you can open a paid business account for free, with no strings attached. 

What entrepreneurs really want from a business account today

Opening a business account is no longer just a formality. For many entrepreneurs, it’s a strategic decision: it should match the pace of their business, save time and help them optimise their cash flow.

Today, expectations have changed. Business owners are looking for: 

• A fast, mobile-first setup 
• Transparent pricing, no hidden fees 
• Integrated tools for accounting, payments and more
• Real added value, like the ability to earn passive income directly from their account 

How does it work?

The Vivid Interest Account is 100% online and fits seamlessly into the way you already manage your business. Here’s what you get: 

• A separate account for your cash reserves: open your Interest Account directly from your Vivid app. It runs independently from your main business current account, so you can keep your passive funds separate from your operating cash.
• Daily interest generation: as soon as you add funds, they begin earning interest. It’s calculated daily based on your current balance, and paid into your account every day.
• A clear, fixed interest rate: your rate is set in advance, depending on the Vivid plan you choose. There are no hidden conditions, no vague terms, just transparency. 
• No minimum duration: your money stays accessible at all times, with no withdrawal fees or penalties. You can top up, withdraw or let it grow freely. It’s your money, you stay in control. 

A new generation of business account 

Vivid is a neobank built for small businesses that want to move fast, without being slowed down by traditional banking barriers. In just a few minutes, you can open a business account and choose from a range of plans, including a fully free option.

You’ll get everything you need to manage your business effectively: 

• VISA card and free transfers
• Up to 10% cashback on your business expenses
• Built-in accounting tools
• Cash flow placement
• 24/7 customer support

FAQ 

Are current accounts interest-bearing?

No. Most professional current accounts, especially those from traditional banks, don’t generate any returns. Your money just sits there, unused.

Some banks do offer investment products, but they’re often reserved for large companies or come with restrictive conditions: high minimum deposits, locked funds, opening fees, and so on.

At Vivid, we believe small businesses deserve better. That’s why our paid business account is open to all, with no barriers. Whatever your company’s size or structure, your cash deserves to work for you.

What interest rate can I expect?

The interest rate depends on the Vivid plan you choose. It’s fixed, clearly stated in advance and calculated transparently on your daily balance.

That means you know exactly how much you’ll earn. And unlike some savings products where interest is only paid at the end, here it’s added to your account every day.

Is my money locked in?

Not at all. That’s one of the major benefits of Vivid’s solution. Your funds stay 100% accessible, with no minimum holding period, no withdrawal fees and no penalties.

You can transfer money back to your main business account instantly, whenever you need it. In short, you keep full freedom to use your cash—while still earning interest.

Is there a minimum to open an Interest Account?

No, there isn’t. At Vivid, there are no minimum deposits and no upper limits. You can start placing your cash as soon as you have a positive balance—even a modest one.

You decide how much to set aside and when, based on your activity and financial space. It’s a far cry from the rigid constraints of traditional term deposits, where entry thresholds and fixed amounts are the norm.