Within your Interest Account, it is possible to use Strategies to grow your money, in addition to earning with fixed interest (uninvested cash). You can learn more about our Strategies here.
If you are not currently using Strategies, you could, through this promotion, receive an additional 1% per annum (p.a)* on top of whatever you are earning in your strategies for up to 6 months.
Who is eligible for this promotion?
If you opened your account with Vivid Money S.A. after 17 December 2025, you are eligible for this promotion.
What is the promotion period?
The promotion period runs for 6 months starting from the date that you open your Vivid Business/Freelancer account.
How does it work?
This promotion is available from the date you opened your Vivid account for the next 6 months. Once you have switched to one of our Strategies outside the “Cash with fixed interest” section, the +1% p.a* promotion will be applied to your Strategy for the remainder of your first 6 months with Vivid.
You will see the gift sitting in your Interest Account strategy but you will not be able to redeem it during the promotion period.
If you make further deposits during the promotion period, the gift amount will grow based on how much time remains in that 6 month period*.
At the end of the promotion period, if you have used Strategies continuously and have not made any withdrawals from your Interest Account where the +1% gift applies, then the gift will be credited to the Cash with fixed interest section of your Interest Account.
Why did I lose my +1% gift?
There are two reasons why you could fully lose your +1% p.a gift:
1. You stop using Strategies during the promotional period. This includes switching back to the “Cash with fixed interest” section. You can reactivate the +1% p.a interest rate if you switch back to Strategies again. However, the same original 6 month period will be used, so you only will receive the +1% gift on the remaining period. This means that the bonus would be proportionally smaller.
Or
2. You make a partial or full withdrawal of funds from your Strategies during the promotional period. If you have multiple Interest Accounts with Strategies, you can withdraw from the Strategies that do not have the gift applied.
For example:
On January 1, you open your Vivid account, immediately open an Interest Account with one of our Strategies and deposit EUR 10,000. Assuming that you do not make any further deposits, you would earn a gift equal to 1% p.a over 6 months.
10,000 x 1% x (182/365) = EUR 50 gift
On April 1, you decide to switch back from your Strategy to Cash with fixed interest. Your EUR 50 gift will be lost.
On May 1, you switch again back to using a Strategy - let’s say your balance is still EUR 10,000. You once again qualify and a new gift will show in your Interest Account Strategy but only for the remaining portion of that 6 month period.
10,000 x 1% x (60/365) = EUR 16.44 gift.
If you keep using Strategies until the end of the 6 month period (June 30), the EUR 16.44 gift will be credited to the Cash with fixed interest section of your Interest Account.
*The +1% gift applies to amounts of up to EUR 1 million for company accounts and up to EUR 100,000 for freelancer accounts. Any deposits higher than these amounts will not add to the gift amount.