• Expense management

    Corporate cardsTeam cards, limits, up to 10% cashbackBudgetsnewSet who spends what, in advanceCustom rolesAccess tailored to each rolePayment approvalsUp to 3 approval stepsBookkeeping and receiptsReceipts, VAT and accountant exportBusiness travelBook hotels, up to 30% cashback

    Cash management

    Cash overviewHow the products work togetherFixed interestFixed rate, instant accessBusiness brokerage1,900+ assets to invest inInstitutional cash managementFor large corporate balancesTransfer rulesnewAutomatic moves between accounts

    Business account

    Accounts and IBANsUnlimited IBANs, 22 currenciesTransfersSEPA Instant and SWIFT, 140+ countriesCurrency exchangenewFX free up to your allowanceInvoicingSend invoices, track what's owedOnline paymentsGet paid by link or on your site

    Platform

    Digital employeesAPInewIntegrations
  • By business type

    StartupsPartnershipsFreelancers

    By industry

    WholesalersE-commerceIT and softwareConstructionLogisticsMarketingSolar and electricalTravel
  • Plans

    CompaniesPlans for growing teamsEnterprisesHigher limits for large companiesFreelancersIncluding a free plan
  • Customers
  • Learn

    Events and webinarsAffiliate program

    Company

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    Help

    Help Centre BusinessContact usStatus
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Legal Documents

Here you can find the legal documents for the services provided by Vivid Money S.A. and Vivid Money B.V.

Business account

Vivid Money S.A.

General Terms and Conditions of Vivid Money SA relating to payment services
PDF
Vivid Card Terms and Conditions of Vivid Money SA
PDF
Google Pay Supplement
PDF
Apple Pay Supplement
PDF
Group Privacy Notice
PDF
Vivid Money App and Web Terms and Conditions of Vivid Money GmbH
PDF
Fees for Business Customers of Vivid Money SA
PDF
Client Consent Letter for LEIs
PDF
Prohibited Business Activities
PDF
Terms for Payment Processing
PDF
Visa Click to Pay Supplement
PDF

Invest account

Vivid Money B.V.

Client Agreement (Business)
PDF
Policy on Conflicts of Interest
PDF
Costs Overview
PDF
Risks of investing in Financial Instruments
PDF
Best Execution Policy
PDF
Governance
PDF
Summary on Remuneration policy and practices
PDF
Business Brokerage Costs Overview
PDF

Crypto

Vivid Money B.V.

Policy on Conflicts of Interest
PDF
Client agreement in relation to Crypto Services
PDF
Special Terms and Conditions Crypto Earn
PDF
Crypto Earn Fees Page
PDF
Asset Segregation and Asset Protection
PDF
Summary of custody policy
PDF
Risk Brochure
PDF
Best Execution Policy
PDF
Business Brokerage Costs Overview
PDF

Other services

Vivid Money GmbH

Terms & Conditions for the use of digital employees
PDF

Expense management

Corporate cardsVirtual cardsBudgetsCustom rolesPayment approvalsBookkeeping and receiptsBusiness travelCashbackUnlimited spending

Cash management

Cash overviewFixed interestBusiness brokerageInstitutional cash managementTransfer rulesCrypto Earn account

Business account

Accounts and IBANsTransfersCurrency exchangeInvoicingOnline payments

By business type

StartupsPartnershipsFreelancers

By industry

WholesalersE-commerceIT and softwareConstructionLogisticsMarketingSolar and electricalTravel

Pricing

CompaniesEnterprisesFreelancers

Account types

Free business accountBusiness account with sub-accountsBusiness account in foreign currency

Resources

About VividEvents and webinarsAffiliate programPressCareersHelp Centre BusinessContact usStatus

Safety and trust

Verify communications from VividProtect yourself from fraudBug bounty programSpeak Up
PT
All Rights Reserved © VividLegal documentsImprintPrivacy noticeConflicts of interestAccessibility statement
Payment services are provided by Vivid Money S.A., 21 rue Glesener, Luxembourg, L-1631, Luxembourg, an Electronic Money Institution authorized and regulated by the Commission de Surveillance du Secteur Financier, Luxembourg, under the register number W00000015.

Investment and crypto services are provided by Vivid Money B.V., an Investment Firm and Crypto Assets Service Provider licensed by the Dutch Authority for Financial Markets (AFM). Vivid Money B.V. has its address at Strawinskylaan 4117, 1077 ZX Amsterdam, the Netherlands and a registration with the trade register of the Dutch Chamber of Commerce under number 78219159. The AFM's register can be accessed under https://www.afm.nl/en/sector/registers/vergunningenregisters.

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 Money Market Funds and the risks of investing in financial instruments here.

*Interest Accounts are provided by Vivid Money B.V., part of Vivid Money Group, a financial institution authorised and regulated by the Dutch Authority for Financial Markets (AFM). For SME and Freelancer accounts, the promotional rate is 4% p.a. for the first four months after opening an Interest product. The promotion is valid for the first 5 months after opening a USD or GBP Interest Account for all plans. The promotional rate applies to funds up to $/£/€1,000,000 for general business customers on Pro, Enterprise, and Enterprise+ plans. For the Free Start plan, the limit is $/£/€10,000, and for the Basic plan, $/£/€50,000. For freelancers, the limit is up to $/£/€100,000 for Prime, Pro and Pro+ plans, and up to $/£/€5,000 for the Standard plan. Promotional rates and limits are not cumulative across EUR, USD, or GBP Interest Accounts.
Funds exceeding the applicable thresholds will accrue regular interest rates applicable for the chosen plan. After the promotional period, the regular interest rate as per the chosen plan will apply on funds of any amount. The rates are fixed but may be subject to change based on market conditions or Vivid’s discretionary decisions. Any changes will be communicated in advance. Withdrawals from the Interest Account, Model Portfolios and Business Brokerage are usually instant up to EUR 1 million a day (exact amount available will be displayed in the app). On Enterprise, Enterprise+ and Pro+ plans, withdrawals of up to EUR 10 million a day are paid out on the same day if requested before 11:00 CET on a business day. Withdrawals over the applicable amount may take up to three business days.
The specified regular interest rates for Freelancers’ Prime, Pro and Pro+ plans applies to funds up to €30,000. Funds exceeding €30,000 will receive the deposit facility rate set by the European Central Bank, minus 0.15%.
The specified variable rate for Model Portfolios is valid for 03/02/2026 and is before fees.

Please click here if you would like to find out more about which Vivid entity you receive services from. For full fee information, please check our terms and conditions.

Client funds remain the property of the customer. They are held separately from the assets of Vivid Money S.A. and safeguarded: in segregated client-money accounts with several European partner banks and in units of a Qualifying Money Market Fund managed by BNP Paribas Asset Management. Card payments already authorised leave the account immediately, and with certain top-ups e-money may be issued before the corresponding funds are received; those funds are safeguarded as soon as they arrive. Funds held with one of our partner banks, Natixis (BPCE group), are covered by the French deposit guarantee scheme, the Fonds de Garantie des Dépôts et de Résolution (FGDR), up to €100,000 per customer; because it is a client-money account, the guarantee applies to each customer individually. This applies to payment-account balances, not to the pockets and accounts provided by Vivid Money B.V.

This offer on the website is solely for small and medium enterprises.