Turn idle business cash into returns

Choose how you invest your company’s cash — from guaranteed interest to full portfolio control.

Guaranteed interest

Guaranteed interest

Earn a fixed return with high liquidity and minimal risk — ideal for operational cash.

Managed strategies

Managed strategies

Market-based returns with diversified ETF portfolios, designed for mid-term reserve cash.

Smart Treasury investing

Smart Treasury investing

Advanced investing with full control — higher potential returns across multiple asset classes.

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  • Celebrating excellence

    Some of our latest achievements and recognitions

  • Best Business Investment Account 2026

    Best Business Investment Account 2026

    Finanzvergleich.com

  • No. 1 Business Investment Account 2026

    No. 1 Business Investment Account 2026

    Geschaeftskonten24.net

  • Highest Interest Rate for Business 2026

    Highest Interest Rate for Business 2026

    Für-Gründer.de

  • Top Mobile Banking 2025

    Top Mobile Banking 2025

    Handelsblatt.com

Get started in a few simple steps

1

Complete onboarding and open your business account

2

Add funds and allocate part of your business cash

3

Start earning returns and adjust anytime

Open a business 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.

«Smart treasury interface: a unified investment interface for idle liquidity, offering options across ETFs, money-market funds, iBonds, and crypto assets—all under one roof.» — The Digital Banker

funds europeThe Digital Banker

Three ways to invest your business cash

Guaranteed interest

4% fixed for 4 months, then up to 2% p.a.*
You deposit funds into your Interest Account and earn fixed annual interest, calculated daily 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.

Managed investment 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. ETFs, stocks, bonds, MMFs, and crypto.
  • Full control over risk and allocation. Invest on your terms.
  • Flexible liquidity. Access depends on the assets you choose.
1,850+ assets.

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.

IRP
Strategies
Treasury
Setup effort
Minimal
Low
High
Risk level
Low
Medium
Adjustable
Return type
Fixed
Market-based
Market-based
Time horizon
Short-term
Mid-term
Flexible
Liquidity
High
Medium
Depends on assets
Control
None
Limited
Full
Asset exposure
Cash
Bond ETFs + cash
MMFs, iBonds, ETFs, Stocks, Crypto
Best for
Operational & idle cash
Reserve cash
Strategic capital
Example returns
Up to 4% fixed
Up to 5% variable
MMFs ~2–4%, iBonds ~3–5%, ETFs, Crypto & Stocks : higher potential*

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 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.

Interest Account

Interest Account

Earn 4% fixed annual interest* on uninvested cash. Your money grows while staying available at all times.

Unlimited Card Spending

Unlimited Card Spending

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

Cards & Cashback

Cards & Cashback

Start cutting costs with up to 10% monthly cashback on the team’s card purchases at Google Ads, Amazon and others.

Online payments

Online payments

Boost your revenue by making online payments effortless — whether customers pay via bank transfer or card.

Invoicing

Invoicing

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

Integrations

Integrations

Streamline all your money management by connecting with powerful accounting tools and financial applications.

Business Travel

Business Travel

The first tool to let you search, book and pay for hotels directly from your account — including up to 30% travel cashback!

Crypto Earn Account

Crypto Earn Account

Earn up to 8% Annual Percentage Yield on selected crypto assets and withdraw earnings instantly.

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, Managed 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.
  • Managed 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 ETFs, stocks, bonds, money market funds, 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 Managed 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 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. Learn more.
  • Only the Interest Account offers fixed returns as stated. Returns from Managed Strategies and Smart Treasury are market-based and can fluctuate depending on asset performance. All investments involve risk. 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.