Main
VAT Account
Set money aside for taxes
Set aside a share of incoming payments, so money for taxes stays separate from everyday spending.
Automate money movement with Transfer Rules
Set a rule once and Vivid moves money between your accounts automatically — on a schedule, with every payment you receive, or whenever a balance crosses a limit.
- Regulated by the CSSF, Luxembourg
- Client funds held segregated
- Protected beyond €100,000
- Trusted by 60,000+ companies
Built around the way businesses manage money
From setting aside taxes to funding payroll and putting idle cash to work, Transfer Rules fit the routines your business already has.
Main
2 accounts
Put idle cash to work
Move part of your incoming funds to an Interest Account or Portfolio instead of leaving it idle.
Interest
Payroll
Always be ready for payroll
Move a fixed amount into your payroll account before salaries are due.
Four rules for different money moves
Choose how and when money should move between your accounts.
Transfer a percentage of incoming funds
Move a set percentage of every incoming payment to another account.Maintain account balance
Move money when an account drops below or rises above the balance you set.Distribute funds across accounts
Split money from one account across multiple accounts by percentage.Schedule recurring transfers
Move a fixed amount between accounts on the schedule you choose.
Less to manage. More under control.
Your rules keep money moving in the background, based on the conditions and schedule you choose.
• No manual transfers or repeated setup
• Change or pause a rule anytime
• No manual transfers or repeated setup
• Change or pause a rule anytime
“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
Open a business account
Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.
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.
Investing always involves risks. Therefore, the value of your investment and the income from it will vary and your initial investment amount cannot be guaranteed. You may not get back the amount originally invested. You can find more information about the risks of investing in financial instruments here.
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
- 4.7
Trustpilot rating
Rated “Excellent” – 4.7/5 from 30,000+ reviews
- 4.6
App Store & Google Play
4.6/5 from 53,000+ ratings for “Vivid Business & Personal” mobile app
- 24 / 7
Support
Human customer service, day and night
Here's why customers love us
Excellent! | 30,000+ reviews
Got more questions?
Which accounts can a rule use?
Currency accounts, Interest accounts and Model Portfolios, in any combination.Do I have to confirm each transfer?
No. You authorise the rule once when you create it, and again if you edit it. After that it runs on its own.What happens if there is not enough money on the account?
The rule does not run and is marked in your list so you can see it. It tries again at its next scheduled run, and the mark clears once it goes through.Can a rule move money between currencies?
Yes. The amount is converted at the rate that applies when the rule runs, and you see the terms before you save the rule.