If you have a personal account with us and know someone who could benefit from a Vivid Business account, now’s the perfect time to let them know. Not only will you help them unlock new opportunities, but you’ll also earn rewards for both of you. It’s a win-win!
What will you and your friend 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 |
|
|
The invitee receives | 100 €, 75 €, or 50 € credited directly to the inviter’s Stock Rewards pocket
+ Regular benefits of new business customers:
| Regular benefits of new business customers:
|
*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.
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 Money app.
If you have both Personal and Business accounts, make sure you're in your Personal Account.Tap your profile icon in the top left corner and select ‘Invite a Friend.’
Choose your friend’s business type: ‘Company’ or ‘Freelancer’, then share your referral link with them.
Here’s what the flow looks like:
Tracking invitations
You can track their progress by visiting the profile section, tapping on ‘Invite a Friend,’ and then selecting ‘Open’ under ‘Invitations.’
Step 2: Invitee completes the registration
Start the application by clicking on the referral link.
Provide all required business information for review.
Once the business account is opened, the invited company must:
Order a virtual or physical business card (free of charge).
Make a minimum €50 card payment (single or combined) within 30 days of starting the application.
Please note:
ATM withdrawals and cash transactions are not considered valid card payments.
This promotion is not available for Founder Accounts (companies still in formation).
Requirements for Company and Freelancer accounts
The difference between the conditions is based on the form of legal entity that the business account should be opened for.
Company accounts
includes all registered companies, including German Eingetragene Kaufleute (e.K.)
Freelancer accounts
includes all legal entities with the legal statuses listed in the table below:
Country | Status types |
Germany |
|
Italy |
|
Netherlands |
|
Poland |
|
Spain |
|
Step 3: Disbursement of rewards
Once all conditions are met, both parties will receive their rewards within three business days.
Please note the following:
Rewards are only granted for an invitee’s first application with Vivid Business, even if they use your referral link for a later successful application.
For Founder accounts, this offer is only available if your company is in formation in The Netherlands.
Still got questions about the Vivid Business referral programme?
What if I invite multiple friends at once, and they all successfully open a Business or Freelancer Account?
If your friend opens a Business Account, there is no limit to the number of referrals you can make, provided each friend's successful application meets the required criteria and it's their first application with us. You will receive all bonuses as stock rewards in your Personal Account within 3 business days after each friend successfully opens and tops up their Business account.
However, if your friend opens a Freelancer Account, you can refer up to 3 friends. With 3 successful Freelancer referrals, you can earn an annual fixed interest rate of 3%* for up to 6 months.
Please note that if your friend initiated an application with us before using your referral link, regardless of the application’s status or whether it was for a Freelancer or General Business account, you won’t be eligible for a reward.
What if my friend was invited by multiple people at once? Who will receive the bonus?
We'll determine whose referral link your friend used to start their registration. The rewards will be disbursed to the owner of that link.
What happens if my friend doesn't use the referral link I sent but still opens a Business Account?
We can only offer rewards if your friend uses the referral link you provided to them.
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 |
Italy | 75 | 75 | Iceland | 50 | 50 |
Spain | 50 | 50 | Ireland | 50 | 50 |
France | 50 | 50 | Latvia | 50 | 50 |
Netherlands | 50 | 50 | Lithuania | 50 | 50 |
Austria | 50 | 50 | Luxembourg | 50 | 50 |
Belgium | 50 | 50 | Malta | 50 | 50 |
Cyprus | 50 | 50 | Norway | 50 | 50 |
Czech Republic | 50 | 50 | Poland | 50 | 50 |
Denmark | 50 | 50 | Portugal | 50 | 50 |
Estonia | 50 | 50 | Slovakia | 50 | 50 |
Finland | 50 | 50 | Slovenia | 50 | 50 |
Greece | 50 | 50 |
|
|
|
If the invitee opens a freelancer account as a sole proprietor
Country | For the inviter | For the invitee |
France | 35 | 0 |
Italy | 35 | 0 |
Netherlands | 35 | 0 |
Poland | 35 | 0 |
Germany | 35 | 0 |
Spain | 35 | 0 |
Note: Interest accounts are provided by Vivid Money BV, part of Vivid Money group, a financial institution authorised and regulated by the Dutch Authority for Financial Markets (AFM).