We offer a competitive interest rate of 4% p.a.* for the first four months after opening the first Interest Account, available across all plans.
After the initial four months, your interest rate will adjust according to the plan you selected during onboarding.
Business account
| Free Start | Basic | Pro | Enterprise | Enterprise+ |
Interest Account annual rate** | 0.1% | 0.5% | 1.3% | 1.75% | 2.0% |
Freelancer account
| Standard | Prime | Pro | Pro+ |
Interest Account annual rate** | 0.5% | 2.5%***
| 2.6%*** | 2.7%*** |
Please visit this page for details on our current plans and their benefits.
*The promotional rate applies to balances of the following amounts:
up to EUR 1,000,000 for General Business customers on the Pro, Enterprise and Enterprise+ plans
up to EUR 50,000 for General Business customers on the Basic plan
up to EUR 10,000 for General Business customers on the Free Start plan
up to EUR 100,000 for Freelancer customers on the Prime, Pro and Pro+ plans
up to EUR 5,000 for Freelancer customers on the Standard plan
This total is across all Interest accounts. Balances exceeding the respective threshold will accrue regular interest rates applicable to the chosen plan.
Please note that if you qualify for multiple promotions on the same Interest Account at the same time, they are not cumulative. Vivid will apply the higher promotional rate for the valid period. If one promotion expires and another is still valid, the second promotion will apply accordingly until that also expires.
**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.