Let your money work for you with 3% fixed interest

Earn 3% annual interest rate for the first 2 months, then up to 2% with the Interest Rate Pocket, depending on your plan.

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Your uninvested cash inside this Pocket is invested by us in Qualifying Money Market Funds, generating interest. Find more information here.

Let your money work for you with 3% fixed interest

Earn more on your cash, without locking it away

Earn interest every day
Returns are added to the Interest Rate Pocket every day, and you can access them right away. Don’t freeze your money with old-fashioned fixed term saving products.
No fees
Top up, withdraw, and hold your uninvested cash with zero fees.
No minimum balance
Deposit as little as €0.01 to start earning fixed interest on your uninvested cash.
Instant access to your cash*
If your funds are held as uninvested cash, move them to your card in one click and use them for purchases right away.

European Trusted platform

Safely stored

Your money is safeguarded in full: in segregated client-money accounts with European partner banks and in a Qualifying Money Market Fund (QMMF), which may only hold low risk, highly liquid assets. Unlike traditional banks, we don’t use client funds for risky loans.

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.

Your investments are safeguarded

Your investments are protected under the Dutch Investor Compensation Scheme up to €20,000. Please read the specific conditions that apply.

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

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

2-step authentication

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

GDPR compliance

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

Here is how you start

Open your account

Open your Vivid account in 5 mins. Create your Interest Rate Pocket on the Pockets screen in the app.

Top up your Pocket

Make a deposit of minimum €0.01

Earn fixed interest and more

Watch your money work for you. Invest in Money Market Funds to earn a variable rate.

Money market funds

Invest in Money Market Funds (MMFs) by yourself with the Interest Rate Pocket. MMFs are investment funds that typically consist of a diverse selection of short-term financial instruments such as bonds issued by governments.

4.36%
Variable rate
BlackRock ICS USD Government Liquidity Fund
2.47%
Variable rate
BlackRock ICS Euro Government Liquidity Fund

Interest rate is a 30-day yield as of 14 March 2025. Interest rates displayed are applicable to the Prime plan. See the plan overview for service fees.

Growth is not guaranteed. Investing always involves risks.

With Vivid Money B.V. (“Vivid NL”) you make your own (investment) decisions at your own risk and initiate actions based on your own judgment. Any investment is always associated with risks. The value of investments may fluctuate, meaning that it can go up as well as down, and you could get back less than your original investment, or even lose your entire investment or more. Higher risk is often linked to investments with higher expected returns. Please refer to the Risk Brochure where we provide an overview of the risks you take when using our investment services and investment products. Consider whether you are willing to take these risks and whether you can afford them.