Know someone who could benefit from Vivid Business?

Invite your counterparties, partners, or colleagues to open a Vivid Business account, and you’ll both receive an exclusive reward.

Please note:

The promotion is valid for active Vivid customers who currently hold either a personal or business account.
The promotion does not apply to founder accounts (companies in formation).
Only inviters and invitees in good standing are eligible and the invitees’ company may not have an existing Vivid Business account. No refunds will be issued. Vivid reserves the right to exclude any account, inviter, or invitee if fraud, misuse, or other suspicious activity is suspected.

What will you and your counterparty get?

The rewards vary based on the invitee's business type. We distinguish between legal entities and sole proprietorships.

	The invitee opens a business account as a legal entity	The invitee opens a freelancer account as a sole proprietor
The inviter receives*	€100, €75, or €50 cash credit to the inviter’s Vivid account. 3% annual interest rate** for 2 months to the inviter’s Interest Account.	€35 cash credit to the inviter’s Vivid account. 3% annual interest rate** for 2 months to the inviter’s Interest Account.
The invitee receives	€100, €75, or €50 credited to the invitee’s business account upon opening. + Regular benefits of new business customers: 4% annual interest rate on the invitee’s Interest Account for the first month and 3% annual interest rate for the second month. A free VISA card for all of the invitee’s team members. A 2-month free trial** of any plan the invitee chooses at onboarding.	Regular benefits of new business customers: 4% annual interest rate on the invitee’s Interest Account for the first month and 3% annual interest rate for the second month. free VISA card for all of the invitee’s team members. 2-month free trial** of any plan the invitee chooses at onboarding.

Here’s how to claim referral rewards:

Earning referral rewards is simple. Just follow these steps to invite a business or freelancer to open a Vivid Business account and ensure you both qualify for rewards:

Step 1: Inviter shares their referral link

Open your Vivid account and navigate to Profile.
You can share your referral link easily through your:
1. Personal account by tapping the "Invite a Friend" button.
2. Business account by selecting the "Recommend Us" button.
Enter your contact's email address or share your referral link directly with them.

Please note: The invitee must start the application using the referral link. Be sure to review Step 2 to ensure all parties involved qualify for the rewards.

Here’s what the flow looks like:

Tracking invitations

Inviters can monitor the status of their referrals by going to their profile and selecting ‘Recommend us’ or ‘Invite a Friend’, then choosing ‘Invitations’. If their status is still pending, a reminder can be sent.

Step 2: Invitee completes the registration

Invitees must start their application using your referral link.
They need to complete the application by submitting the required business information and supporting documents for review.
After opening their Vivid Business account, the invitee should:
1. Order a virtual or physical business card.
2. Make card payment(s) totalling at least €50 within 30 days from the start of registration.

Please note: ATM withdrawals, cash transactions, money transfers, and other bank top-ups are not considered card payments, and we do not recognise returned or cancelled payments.

Step 3: Disbursement of rewards

Once all conditions are met, the inviter and invitee will receive the rewards within three business days.

Still got questions about the Vivid Business referral programme?

What if I invite multiple companies at once, and they all successfully open a business account?

There is no limit to the number of referrals you can make, as long as the companies meet the required criteria and it's their first registration with Vivid. However, the 3% annual Interest Rate for inviters can be applied only up to a total of 180 days.

What if a business or freelancer were invited by multiple people at once? Who will receive the referral reward?

Vivid is able to determine whose referral link a new customer used to start their registration. The rewards will be applied to the account which issued that link.

What happens if a new customer I recommended does not use the referral link I sent but still opens a Vivid Business account?

We can only track applications and offer rewards if a referral link is used.

Cash rewards per country

In addition to interest rate rewards, both the inviter and invitee will receive a monetary reward, as outlined in the table below and determined at Vivid’s sole discretion.

An exception applies when the invitee opens a sole proprietorship account—in such cases, monetary rewards won't be applied.

Please note that the reward amount is determined by the registration country of both the inviter’s and invitee’s business/sole proprietorship. The reward amounts may vary if the invitee and inviter are in different countries.

If the invitee opens a business account as a legal entity

Country	For the inviter	For the invitee	Country	For the inviter	For the invitee
Germany	100	100	Hungary	50	50
Switzerland	100	100	Iceland	50	50
Italy	75	75	Ireland	50	50
Spain	50	50	Latvia	50	50
France	50	50	Lithuania	50	50
Netherlands	50	50	Luxembourg	50	50
Austria	50	50	Malta	50	50
Belgium	50	50	Norway	50	50
Cyprus	50	50	Poland	50	50
Czech Republic	50	50	Portugal	50	50
Denmark	50	50	Slovakia	50	50
Estonia	50	50	Slovenia	50	50
Finland	50	50
Greece	50	50

If the invitee opens a freelancer account as a sole proprietor

Country	For the inviter	For the invitee
Netherlands	35	0
Poland	35	0
Germany	35	0
Switzerland	35	0

*Rewards for the inviter will be credited to the account from which the inviter sent the invitation. If the inviter sends invitations from a personal account, the rewards will be credited to that personal account. If the inviter sends invitations from a business account, the rewards will be credited to that business account.

**The promotional rate applies to balances up to EUR 300,000 for businesses and up to €100,000 for freelancers. Balances exceeding this threshold will accrue regular interest rates according to the chosen plan. 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.

**Interest Accounts and the respective annual interest rates outlined in this article are provided by Vivid Money BV, part of Vivid Money Group, and a financial institution authorised and regulated by the Dutch Authority for Financial Markets (AFM).

Read more about the Interest Account here.

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How is Vivid Business different and better than the others?

What is the Interest Account provided by Vivid Money B.V.?

What is the interest rate offered by Vivid Money B.V.

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