• Celebrating excellence

    Some of our latest achievements and recognitions

  • No. 1 Business Account 2025

    No. 1 Business Account 2025

    Facile.it

  • Recommended Plan for Business 2025

    Recommended Plan for Business 2025

    Segugio.it

  • No. 1 Business Investment Account 2026

    No. 1 Business Investment Account 2026

    Geschaeftskonten24.net

  • Top Mobile Banking 2025

    Top Mobile Banking 2025

    Handelsblatt.com

Get started in a few simple steps

1

Complete the onboarding and open your investment account

2

Add funds and allocate part of your business cash

3

Start earning returns and adjust anytime

Open an investment account
Country
Business type
Legal entity type
Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.

«…Business customers have largely been left on the sidelines. Vivid is now closing this gap by offering professionally managed investment strategies available with just a few taps in the app» — ArenaDigitale

ArenaDigitale
FinanzaDigitale
RassegnaBusiness
TabMagazine

Three ways to invest your business cash

Fixed interest

4% p.a. fixed the first 4 months, then up to 2% p.a.*
Your uninvested cash is invested by us in Qualifying Money Market Funds, generating fixed interest that is calculated annually and credited to your balance every day. Your money keeps growing — even if you need to access it at short notice.
  • Earn interest every single day. Stable, predictable returns on your business cash.
  • Access your cash instantly. Funds stay available whenever you need them.
  • Your funds in trusted hands. Designed for operational cash, buffers, and short-term liquidity.
  • Find more information here.

Managed interest strategies

Up to 5% variable, market-based*
Diversified ETF portfolios designed to grow your business cash over the mid-term — without the complexity of managing investments yourself.
  • Hassle-free portfolio investing. Ready-made strategies managed for you.
  • Diversified across assets. Bond-based ETFs with different risk levels.
  • Choose a strategy that fits your risk profile. From conservative to growth-oriented.

Advanced investing
with full control

No return cap, market-based*
Build and manage your own portfolio across global markets — from conservative instruments to higher-growth assets, all in one place.
  • One platform for all asset classes. Money Market Funds, ETFs, stocks, iBonds, and crypto.
  • Full control over risk and allocation. Invest on your terms.
  • Flexible liquidity. Access depends on the assets you choose.
1,850+ assets.

Investing involves risks, and you may not get back the amount originally invested. Crypto-assets are highly speculative and volatile, and your capital is at risk. You can find more information on investment risks here. For the full list of crypto-asset risks, see here.

Learn from our investment experts

Practical webinars on cash management, investing, and treasury solutions for growing businesses.

Solutions for everyone

    Freelancers

    Put excess cash to work without locking it up or taking market risk.

    Best fit: Interest Account

    Startups

    Keep operational cash liquid while earning returns on everyday balances.

    Best fit: Interest Account & Strategies

    SMB

    Grow business reserves with flexible access and higher return potential.

    Best fit: Strategies & Smart Treasury

    Enterprise

    Manage strategic capital across markets with full control and flexibility.

    Best fit: Smart Treasury
«At Vivid, we see investing as a natural extension of running and managing money well. Our goal is to give businesses and individuals simple, transparent tools to invest with confidence and focus on long-term growth.»

«At Vivid, we see investing as a natural extension of running and managing money well. Our goal is to give businesses and individuals simple, transparent tools to invest with confidence and focus on long-term growth.»

Esmond Berkhout, CEO of Vivid Money BV

Compare investment options

All investments involve risk. Returns are not guaranteed unless stated otherwise.

Money tree

Interest account

Setup effort
Minimal
Risk level
Low
Return type
Fixed
Time horizon
Short-term
Liquidity
High
Control
None
Asset exposure
Cash (invested by Vivid in QMMFs)
Best for
Operational & idle cash
Example of potential returns
Up to 4% fixed
strategy shares

Interest Strategies

Setup effort
Low
Risk level
Medium
Return type
Variable, Market-based
Time horizon
Mid-term
Liquidity
Medium
Control
Limited
Asset exposure
Bond ETFs + cash
Best for
Reserve cash
Example of potential returns
Up to 5% variable
invest shares

Treasury

Setup effort
High
Risk level
User-selectable
Return type
Variable, Market-based
Time horizon
Flexible
Liquidity
Depends on assets
Control
Full
Asset exposure
Money Market Funds, iBonds, ETFs, Stocks, Crypto
Best for
Strategic capital
Example of potential returns
Money Market Funds ~2–4%, iBonds ~3–5%, ETFs, Crypto & Stocks : higher potential*
Past performance is not a reliable indicator of future results. The value of investments can go down as well as up.

European Trusted platform

safety.title

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

Superior payment security

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

2-step authentication

2-step authentication

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

GDPR compliance

GDPR compliance

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

All-in-one financial management

Forget about costly subscriptions. Get all the tools your business needs in one place — no extra cost, no hassle.

Got more questions about investing with Vivid?

  • What are the different ways to invest business cash with Vivid?

    Vivid offers three investment options for business and freelance customers: Interest Account for fixed returns with full liquidity, Interest Strategies for market-based ETF portfolios with moderate risk, and Smart Treasury for advanced investing with full control over assets and risk.
  • 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.
  • Interest Strategies allow you to invest cash into diversified ETF portfolios designed for different risk levels and mid-term goals. Portfolios are pre-built and managed, helping you access market returns without active portfolio management. Learn more.
  • Smart Treasury is an advanced business investment account where you can build and manage your own portfolio across multiple asset classes, including money market funds, ETFs, stocks, iBonds, and crypto-assets — all in one place. Learn more.
  • 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
  • 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.
  • 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.
  • 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.