Let your money do more with Interest Strategies

Put your business cash to work with ready-made strategies built around a diversified bond portfolio.

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Some of our latest achievements and recognitions
Best Business Investment Account 2026
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No. 1 Business Investment Account 2026
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Highest Interest Rate for Business 2026
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Top Mobile Banking 2025
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Choose Strategy that suits you

Conservative
2,94% in EUR
Variable rate
Balanced
3,41% in EUR
Variable rate
Growth
4,93% in EUR
Variable rate

Interest strategies are not available in Portugal, Poland, Hungary, Bulgaria. The specified rate is valid as of 09/02/2026 and does not include fees. Investing always involves risks and your initial investment amount cannot be guaranteed. You can find more information here.

Up to 5% variable annual interest rate with Interest Strategies

Ready to boost your interest earnings by diversifying your investments? Unlock a variable annual interest rate with daily returns from a mix of investment-grade or high-yield corporate bond ETFs, along with cash.

Hassle-free portfolio investments

Choose between our Growth, Balanced or Conservative strategies, based on your preferred level of risk and return.

Whatever you deposit and withdraw — together we'll ensure your portfolio is rebalanced.

Backed by BlackRock

With Interest Strategies, your money is invested in bond ETFs managed by BlackRock — one of the world's most renowned asset managers, entrusted with over $11 trillion in assets.

Investing always involves risks and your initial investment amount cannot be guaranteed. You can find more information here.

Instant withdrawal

Withdraw to your Money Account anytime you need funds — up to €1 million instantly. Over €1 million: next business day.

European Trusted platform

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

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.

Get started in a few simple steps

Complete the onboarding and open your investment account

Add funds and allocate part of your business cash

Start earning returns and adjust anytime

Open an Interest Strategies account

Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.

Fair costs, clear value

Interest Strategies rate
Variable rate up to 5%
Money Market Funds
Service fee from 0,5% a year
Legal Entity Identifier
(LEI) issuance
€0
Account Maintenance
Free

Learn more

All-in-one financial management

Business Account

With a quick registration you unlock unlimited IBANs. Discover the ease of managing all your finances from a single platform.

Interest Account

Earn 5% fixed annual interest* on uninvested cash. Your money grows while staying available at all times.

Cards & Cashback

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

Quick transfers

Gain full flexibility with SEPA Instant transfers, SWIFT transfers and easy redirects of direct debits.

Unlimited Card Spending

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

Online payments

Boost your revenue by making online payments effortless — whether customers pay via invoice, link or through your website.

Invoicing

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

Integrations

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

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

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

Got more questions about investing with Vivid?

What are Interest Strategies?
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.
How liquid is my money across these products?
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
How does Vivid ensure the safety of my funds?
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.
Are returns guaranteed?
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.
What fees apply to investing with Vivid?
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.

Let your money do more with Interest Strategies

Choose Strategy that suits you

Conservative

Balanced

Growth