The Interest Account that makes your money work for you

Grow your funds with 3% fixed annual interest rate*. Or get up to 6% variable annual rate* with one of our Interest Strategies: a mixed portfolio that combines uninvested cash and bond ETFs.

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Fixed rate・3%Strategies・6%

3% fixed annual interest rate on your uninvested cash

With an Interest Account at Vivid, you make the most of your uninvested cash. Secure a 3% fixed annual interest rate for the first two months* — then enjoy up to 2,3% 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.

Your funds in trusted hands

Vivid Money B.V., part of the Vivid Money Group, is licensed and regulated by the Dutch financial authority AFM as an investment firm.

To protect your funds while offering a positive return, we invest your uninvested cash in Money Market Funds (MMFs) with AAA/Aaa ratings from agencies such as S&P, Moody's and Fitch. Learn how Vivid safeguards your funds here.

Fixed rate・3%Strategies・6%

Up to 6% variable annual interest rate with Interest Strategies

Ready to boost your interest earnings by diversifying your investments? Unlock a variable annual interest rate with daily returns from a mix of investment-grade or high-yield corporate bond ETFs and fixed interest earned on uninvested funds, along with cash.

Interest strategies are not available in Portugal, Poland, Hungary, Bulgaria. The specified rate is valid as of 15/04/2025 and is before fees.

Hassle-free portfolio investments

Choose between our Growth, Balanced or Conservative strategies, based on your preferred level of risk and return.

Whatever you deposit and withdraw — together we'll ensure your portfolio is rebalanced.

How to get started with Interest Strategies

Open a Vivid Business account and deposit funds in the Interest Account. Then simply switch to the strategy mode and select a strategy that matches your earning goals and risk tolerance. Read more about maximising your returns in a few taps here!

Backed by BlackRock

With Interest Strategies, your money is invested in bond ETFs managed by BlackRock — one of the world's most renowned asset managers, entrusted with over $11 trillion in assets.

Investing always involves risks and your initial investment amount cannot be guaranteed. You can find more information here.

All-in-one financial management

Unlimited card spendings

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

Cards & Cashback

Up to 10% monthly cashback on the team's card purchases at Google Ads, Amazon and others helps you cut costs.

Invoicing

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

Bookkeeping

Keep financial records from all your bank accounts organized. Quickly share data with your team or accountants.

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!

Plans built for every business

Monthly

Payment period

Annual

Save up to 24%

Free start
€0/month

Free of charge at all times
Get started
- Accounts & Interest
- Accounts included
  12
- Team members included
  1
- Initial fixed interest rate p.a.*
  4%
- Interest rate p.a. after 2 months* (changes on April 29, 2025, learn more)
  0,2%
- Interest Strategies rate, up to*
  6%
- Currency exchange between own accounts
  Free
- Cards & Cashback
- Guaranteed unlimited cashback
  0,1%
- Cashback on selected categories and brands, up to
  2%
- Virtual and physical cards
  Free
- Card spending limits for ads & IT services
  Unlimited
- Spending limit in other categories
  100.000 €
- Transfers
- Outgoing SEPA Instant transfers
  5 free per month,
  then 0,2 €
- Fee for outgoing SWIFT transfers
  From 5 €
- Bulk transfers
  Unlimited
- Features
- Invoicing
  Free
- Bookkeeping documents included
  25
- Integrations (sevDesk, Lexware Office, DATEV, ...)
  Free
- Business travel cashback up to
  30%
- 24/7 human support
  Yes
Basic
€7/month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Accounts included
  15
- Team members included
  15
- Initial fixed interest rate p.a.*
  4%
- Interest rate p.a. after 2 months* (changes on April 29, 2025, learn more)
  1,2%
- Interest Strategies rate, up to*
  6%
- Currency exchange between own accounts
  Free
- Cards & Cashback
- Guaranteed unlimited cashback
  0,25%
- Cashback on selected categories and brands, up to
  4%
- Virtual and physical cards
  Free
- Card spending limits for ads & IT services
  Unlimited
- Spending limit in other categories
  100.000 €
- Transfers
- Outgoing SEPA Instant transfers
  Free
- Fee for outgoing SWIFT transfers
  From 5 €
- Bulk transfers
  Unlimited
- Features
- Invoicing
  Free
- Bookkeeping documents included
  Unlimited
- Integrations (sevDesk, Lexware Office, DATEV, ...)
  Free
- Business travel cashback up to
  30%
- 24/7 human support
  Yes
Pro
€19/month
excl. VAT
2 months free trial
Get started
- Accounts & Interest
- Accounts included
  20
- Team members included
  30
- Initial fixed interest rate p.a.*
  4%
- Interest rate p.a. after 2 months* (changes on April 29, 2025, learn more)
  2,2%
- Interest Strategies rate, up to*
  6%
- Currency exchange between own accounts
  Free
- Cards & Cashback
- Guaranteed unlimited cashback
  0,5%
- Cashback on selected categories and brands, up to
  6%
- Virtual and physical cards
  Free
- Card spending limits for ads & IT services
  Unlimited
- Spending limit in other categories
  100.000 €
- Transfers
- Outgoing SEPA Instant transfers
  Free
- Fee for outgoing SWIFT transfers
  From 5 €
- Bulk transfers
  Unlimited
- Features
- Invoicing
  Free
- Bookkeeping documents included
  Unlimited
- Integrations (sevDesk, Lexware Office, DATEV, ...)
  Free
- Business travel cashback up to
  30%
- 24/7 human support
  Yes

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