Get interest on your moneyGet intereston your money
Earn 5% annual Interest rate for the first 2 months, then up to 4% with the Interest Rate Pocket, depending on your Plan. 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. Your uninvested cash inside this Pocket is invested by us in Qualifying Money Market Funds, generating interest. Find more information here.
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.
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.
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).
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
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%*.
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.
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.
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.
Manage your money quickly and efficiently from your browser. Keep all your business accounts safe in one place.
Your money is safe with us
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.
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