What's the difference between the 2.70% on Brokerage and the 4% on the Interest Account?

They are different products with different mechanics. The 2.70% is the trailing 12-month performance of the DWS Floating Rate Notes FC EUR Acc fund, held as a fund unit on Vivid Business Brokerage — a UCITS short-duration EUR bond fund, daily NAV, no expiry. The 4% p.a. is a fixed welcome rate on the Interest Account, paid for the first four months on the first €1M for new clients, then reverting to the published base rate. The Brokerage path offers direct fund-unit ownership and access to a curated shelf of institutional funds; the Interest Account offers a single fixed welcome rate and daily access.

Is DWS Floating Rate Notes a money market fund?

No. It is a UCITS short-duration EUR bond fund holding investment-grade floating-rate notes — bonds whose coupons reset periodically against a benchmark plus a credit spread. That credit-spread component is what distinguishes it from a pure money market fund. Pure UCITS Money Market Funds are accessible via the same Brokerage account, with the same custody documentation and the same workflow.

What happens if Vivid becomes insolvent?

Your assets are held separately from Vivid's own balance sheet through Stichting Vivid Money — a dedicated safeguarding foundation whose sole purpose is the safekeeping of users' funds. Uninvested cash on Interest Account and Business Brokerage is invested in Qualifying Money Market Funds, held in the name of the Stichting and segregated from Vivid Money B.V. Assets held with Vivid Money B.V. are also protected by the Dutch Investor Compensation Scheme (up to €20,000 per client) in the event of insolvency.

Is the 2.70% yield guaranteed?

No. Short-term moderate price fluctuations are possible, but no capital loss is expected in the medium/long term.

What's the minimum and maximum ticket size?

Minimums depend on the fund — some can be subscribed from €20. There is no maximum. The platform supports splitting balances across multiple funds, which clients often use to manage counterparty exposure.

How is this taxed in my jurisdiction?

QMMF income in the Interest Account is usually treated as interest-like investment income in most EU jurisdictions; MMF income on Brokerage is usually treated as capital-appreciation investment income. Vivid provides statements in the formats your tax advisor expects, with DATEV connection for the Interest Account in Germany.

Corporate investment solutions · Same yield for €1 and €100M

Institutional cash management, with the rate written on the box

Access institutional MMFs, short-duration bond funds and ETFs on Business Brokerage. Diversify reserves on Model Portfolios. Park operating cash on the Interest Account. One regulated investment firm, one mandate.

Regulated by AFM as an investment firm
Client assets fully segregated
T+1 settlement on the MMF

Open a corporate account Schedule a 30-minute briefing

Investments can rise and fall in value over time, and the income from them can vary. You may not get back the amount you originally invested. Past performance is not a reliable indicator of future results. Risk information

DWS Floating Rate Notes FC EUR AccUCITS short-duration credit fund · Luxembourg

2.70%

1 month annualised gross yield · as at 30/04/2026

Annual performance · FC share class

'21–'22−0.9%

'22–'23+1%

'23–'24+4.9%

'24–'25+3.6%

'25–'26+2.6%

Source: DWS factsheet, FC share class. Period: 30/04/2021 – 30/04/2026. Figures gross of Vivid platform fee from 0.1% per year.

Risk (UCITS)1 / 7

LiquidityDaily NAV

ISINLU1534068801

Investment GmbH · Asset manager

More info

Asset managers & counterparties on the platform

Track record

Figures as of May 2026

€15M

Interest paid to corporate clients

since Interest Account launch

11,000+

Companies using Vivid Cash Management

EUR · USD · GBP

Three products · One mandate

Mapped to the cash-segmentation framework

Strategic cash → Business Brokerage & Model Portfolios. Reserves → Interest Account. Operational cash → Money Accounts. Same dashboard, separate venues.

Curated shelf

Business Brokerage

Institutional access · Direct execution

2.70% EUR

gross via DWS Floating Rate Notes · self-directed treasury portfolio

Explore brokerage

What's included

Buy institutional-grade MMFs from Fidelity, BlackRock, DWS and Vanguard directly

Build your own treasury portfolio — full freedom across 1,850+ instruments (funds, ETFs, iBonds, equities, crypto)

Self-directed treasury portfolio executed against your own policy

Model Portfolios

Reserve cash · 6–36 month horizon

4–8% target

CAGR · Simulated past performance. Gross of service fee.

See portfolios

What's included

Fixed-income or mixed allocations · several risk profiles to match your policy

Built on iShares, Vanguard, Amundi and SPDR UCITS ETFs

Constructed by Vivid, rebalanced automatically · inspired by an all-weather framework

Interest Account

Operating cash · Simplest path
The best fit for your first €1M at Vivid.

4.00% EUR

p.a. fixed for first 4 months, then base rate on Enterprise+

See Interest Account

What's included

Daily liquidity, no notice period

Underlying held in Qualifying Money Market Funds — segregated UCITS assets, no €100k deposit-insurance cap

EUR · USD · GBP with local IBANs

Business Brokerage

Curated shelf, not the whole market

Business Brokerage offers access to investment and crypto-asset products. Investing involves risks, and you may not get back the amount originally invested. Annualized Interest Yield is calculated based on performance over the past 30 days. Past performance, including cumulative returns shown, is not a reliable indicator of future results. Even assets with strong long-term performance may experience significant short-term price fluctuations. 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.

Spotlight

One fund, fully documented

Factsheet · Live

DWS Floating Rate Notes FC EUR Acc

A UCITS short-duration EUR bond fund.

1Y performance+2.60%

3Y cumulative+11.50%

ISINLU1534068801

CurrencyEUR

Fund managerDWS

DomicileLuxembourg

Risk (UCITS)1 / 7

IncomeAccumulating

Ongoing costs0.17% p.a.

UCITSYes

Min. ticket€20

Fund official page

The fund is actively managed. Its investment objective is to achieve conservative growth in euro-denominated fixed-income securities, independent of interest-rate and currency fluctuations. The fund primarily invests in floating-rate bonds, short-term bonds, and time deposits, with maturities actively managed and a focus on shorter-term bonds.

CEO perspective

"There were two options: split the money across 30 banks, or move it to Vivid and invest it there. That was a very simple decision. The deciding factor was the Model Portfolios and the Interest Account product. The money-market funds in which NaroIQ now holds most of its liquidity are legally segregated assets — the capital sits in German and French government bonds, not on the provider's balance sheet. Even in a worst-case scenario, the funds are protected."

Chris Puellen, Co-Founder & CEONaroIQ

Why Vivid

Treasury-grade infrastructure, regulated end-to-end

Every euro you allocate is held in regulated, segregated structures, separate from Vivid's balance sheet. Vivid is the licensed distributor and execution venue — not the counterparty.

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).

Protection beyond the €100k deposit-insurance cap

Vivid Money B.V. acts as an investment firm licensed by the Dutch regulator. The Interest Account, Business Brokerage, and Crypto Earn Account benefit from protection that secures funds for the entire amount, including amounts exceeding the €100,000 cap typically covered by the national Deposit Guarantee Scheme.

Counterparty diversification

Multiple Tier-1 asset managers — DWS, BlackRock, Fidelity, Federated Hermes — so MMF exposure can be split across independent counterparties from a single platform.

Investment firm

AFM · Netherlands

Vivid Money B.V.

Payment services

CSSF · Luxembourg

Vivid Money S.A.

Fund managers

Curated cash shelf

Fidelity · DWS · BlackRock

For finance leaders

Built for treasurers, CFOs and CEOs

Whether the company holds a €5M post-funding balance or has accumulated €500k of idle cash reserves, the same platform scales with your needs and the governance you require.

Scale-ups & venture-backed

Extend runway on the post-funding balance. Access to MMFs via Business Brokerage, model portfolios for longer tranches.

Mid-market & family-owned

Replace 0.0% current accounts and overnight deposits with a clean two-tier setup: Interest Account for operating cash, Model Portfolios for reserves.

Holdings & family offices

Park retained earnings between dividend cycles and capital deployments. Access to a curated shelf of institutional-grade treasury tools via Business Brokerage.

FAQ

Treasury-specific questions

Can't find what you need? Speak with a treasury advisor — a named contact, not a chatbot.

What's the difference between the 2.70% on Brokerage and the 4% on the Interest Account?
They are different products with different mechanics. The 2.70% is the trailing 12-month performance of the DWS Floating Rate Notes FC EUR Acc fund, held as a fund unit on Vivid Business Brokerage — a UCITS short-duration EUR bond fund, daily NAV, no expiry. The 4% p.a. is a fixed welcome rate on the Interest Account, paid for the first four months on the first €1M for new clients, then reverting to the published base rate. The Brokerage path offers direct fund-unit ownership and access to a curated shelf of institutional funds; the Interest Account offers a single fixed welcome rate and daily access.
Is DWS Floating Rate Notes a money market fund?
No. It is a UCITS short-duration EUR bond fund holding investment-grade floating-rate notes — bonds whose coupons reset periodically against a benchmark plus a credit spread. That credit-spread component is what distinguishes it from a pure money market fund. Pure UCITS Money Market Funds are accessible via the same Brokerage account, with the same custody documentation and the same workflow.
What happens if Vivid becomes insolvent?
Your assets are held separately from Vivid's own balance sheet through Stichting Vivid Money — a dedicated safeguarding foundation whose sole purpose is the safekeeping of users' funds. Uninvested cash on Interest Account and Business Brokerage is invested in Qualifying Money Market Funds, held in the name of the Stichting and segregated from Vivid Money B.V. Assets held with Vivid Money B.V. are also protected by the Dutch Investor Compensation Scheme (up to €20,000 per client) in the event of insolvency.
Is the 2.70% yield guaranteed?
No. Short-term moderate price fluctuations are possible, but no capital loss is expected in the medium/long term.
What's the minimum and maximum ticket size?
Minimums depend on the fund — some can be subscribed from €20. There is no maximum. The platform supports splitting balances across multiple funds, which clients often use to manage counterparty exposure.
How is this taxed in my jurisdiction?
QMMF income in the Interest Account is usually treated as interest-like investment income in most EU jurisdictions; MMF income on Brokerage is usually treated as capital-appreciation investment income. Vivid provides statements in the formats your tax advisor expects, with DATEV connection for the Interest Account in Germany. Vivid is not a tax advisor, but offers an integrated service in partnership with Lineo and steueragenten.de combining trading infrastructure, automated accounting and licensed tax advice.

Open a corporate account

Move surplus liquidity into a regulated MMF this week

Open a corporate account Schedule a 30-minute briefing