The current market offers many interest-bearing products, making it difficult to compare them by simply looking at numbers on providers’ websites.
To help you navigate these options, below is a table comparing Vivid’s rates offered for businesses with those of major providers, focusing exclusively on funds denominated in EUR.
Please keep in mind that Vivid offers annual interest rates through an investment product, the Interest Account, provided by Vivid Money BV which is an investment firm within the Vivid Money Group - licensed by the Dutch AFM. Market competitors may offer their products through other structures or with other licenses.
Please consult their websites to find out more information on their conditions and market offering.
Provider | Interest rates type | Annual interest rate (after fees), up to | Fees | Annual interest rate (before fees), up to | Fund’s historical returns (referring to 2024) | Funds invested in |
Vivid Money | Fixed | 2.6%
A 4% promotional rate applies for the first 2 months after opening the Interest Account* | Free | 2.6% | 3.71% | |
Revolut Business | Variable | 2.34%
Based on 7-day yield (as of 28 Mar, 2025)
| 0.25% to 0.92% | 2.59%
Based on 7-day yield (as of 28 Mar, 2025)
| 3.7%
(Feb 2024 to Feb 2025)
| |
Wise Business | Variable | 2.14%
Based on 7-day yield (as of 28 Mar, 2025) | 0.27% | 2.41%
Based on 7-day yield (as of 28 Mar, 2025) | 3.7% | |
UnitPlus | Variable | 2.2%
Based on the distribution rate (as of 28 Mar, 2025) | 0.25% to 0.4% | 2.45%
Based on the distribution rate (as of 28 Mar, 2025) | 3.48%
(Feb 2024 to Feb 2025)
|
Disclaimer: Interest rate comparison of other providers as of March 31, 2025. The information displayed in the table above is based on competitors' websites, official documentation and publications of the relevant asset managers. For the most up-to-date information, and information on how their products are structured, please visit their respective websites.**
How do Interest Accounts from Vivid Money BV work?
When you add money to these accounts, we'll invest it in Qualifying Money Market Funds as indicated in this article and provide you the regular interest rate as per your chosen plan. Interest is paid every business day. The rates are fixed but may be subject to change based on market conditions or Vivid’s discretionary decisions. Money Market Funds are low-risk financial instruments. You can find more information about their risks here.
What is the difference between fixed and variable interest rates?
The key difference lies in how they change over time:
Fixed interest rates offer a stable return. While they may still change over time, they do not fluctuate directly with the market.
Variable interest rates fluctuate based on an external benchmark, meaning returns can rise or fall daily depending on economic conditions.
How do historical returns compare to short-term yields?
Historical returns refer to the total return generated by an investment over a long period. They consider overall past performance and reflect the long-term growth or decline of an investment under specific economic conditions that may no longer apply.
A more relevant way to assess the current performance is to look at the short-term yields. Short-term yields focus on the income generated in the short term:
30-day yield: An annualised estimate based on the income earned over the past 30 days. This metric is commonly used for Money Market Funds (MMFs).
7-day yield and 1-day yield: Shorter versions of the same concept, considering recent returns for Money Market Funds.
Short-term yields provide insights into how a product has been performing recently, but since they fluctuate, they should be considered within their proper context rather than as a guarantee of future returns.
*The promotional rate applies to balances up to EUR 300,000 for General Business accounts and up to EUR 100,000 for Freelancer accounts. Balances exceeding the respective threshold will accrue regular interest rates applicable to the chosen plan.
**Sources: