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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 BV, part of Vivid Money Group, a financial institution authorised and regulated by the Dutch Authority for Financial Markets (AFM). 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 are usually instant up to EUR 1 million a day (exact amount available will be displayed in the app). Withdrawals over that 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 €100,000. Funds exceeding €100,000 will accrue regular interest according to the rate of the chosen plan
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.