Maximize your business’ potential with the Interest Account from Vivid Business. Let your money work for you with a high-yield Interest Account designed to grow your funds in Euro effortlessly.
Enjoy a competitive 3% p.a. interest rate* on all plans for the first two months when you open an Interest Account.
After this promotional period, your interest rate adapts to your chosen plan - earn up to 2.3% p.a** with a general business account and 2.7% p.a** with a Freelancer account***.
Interest is calculated annually but credited daily to your Interest Account, allowing your uninvested cash to grow steadily over time. Please visit this article for a detailed explanation of how interest is calculated.
You can also utilize strategies for investments in your Interest Account and choose the optimal investment strategy to maximise your earnings with a moderate level of risk. We offer several investment strategies, each of them composed of different proportions of cash and financial assets, designed to increase profitability in the longer term at different risk levels. You can learn more about a specific asset in the description of each strategy.
With our Interest Account, your funds are always at your fingertips. While your funds are held in the uninvested cash section, you can still access up to EUR 300,000 of it anytime, anywhere — including the interest you earn daily.
Need more? Larger withdrawals may take up to three business days, but your funds remain within reach.
If your money is invested in a strategy, you can access it without any restrictions during the trading venue's business hours (you can find these in the detailed description of each asset when logged into your account). Outside of trading hours, instant withdrawals will be limited to uninvested cash, with the remaining amount reserved and withdrawn once the trading venue opens. You can cancel a withdrawal order before it is executed.
We prioritize both stability and growth by proposing strategies composed of a carefully selected mix of bond Exchange Traded Funds (ETFs). Our portfolio includes ETFs focused on high-quality investment-grade corporate bonds, as well as global high-yield corporate bonds, offering a balanced approach to risk and return. These ETFs provide broad diversification and reliability, backed by ratings from leading agencies such as S&P, Moody's, and Fitch. Please note that this is an investment product, and investing always bears risk. To further understand the risks, please refer to our Risk Disclosure Document.
*The promotional rate applies to balances up to EUR 300,000 for general businesses and up to EUR 100,000 for freelancers. Balances exceeding the respective threshold will accrue regular interest rates applicable for 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.
***For Freelancer accounts with a total balance of up to EUR 30,000 of uninvested funds in the Interest Account, the regular interest rate according to the chosen plan applies. To any funds above EUR 30,000 a fixed annual interest rate applies which is calculated daily based on the current European Central Bank (ECB) deposit facility rate minus 0.15%. You can find the most up-to-date ECB deposit facility rate here.