We're thrilled to introduce our new referral program!
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 refer them. 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?
| If your friend opens a Business Account | If your friend opens a Freelancer Account |
Inviter (you) | EUR 50 in your Stock Rewards or your Crypto Pocket of your Personal Account | 3% annual interest rate* for your Interest Rate Pocket for 60 days in your Personal Account |
Invitee (your friend) | EUR 50 in their Business Account | EUR 35
In their Business Account |
Additionally, your friend will enjoy all the amazing perks of a Vivid Business Account, including a 2-month free trial of any paid plan they choose, 3%* annual interest on their funds, generous cashback offers, and so much more.
How to get your rewards?
Open your Vivid Money app. If you have both Personal and Business Accounts, please go to your Personal Account.
Navigate to your profile at the top left corner of the interface and tap on ‘Invite a Friend’.
Based on your friend's business type, choose ‘Company’ or ‘Freelancer,’ then share the referral link with them.
Your friend must start and finish their application by clicking on your referral link. Please also review what your friend needs to do for both of you to get the rewards.
You can track their progress by visiting the profile section, tapping on ‘Invite a Friend,’ and then selecting ‘Open’ under ‘Invitations.’
For your friend:
They should follow your referral link to start their application.
Provide all the necessary information about their business.
We will review the application and notify your friend about the result.
Once your friend's account is opened, they must meet the following requirements within 30 days of the account creation date:
If your friend opens a Business Account
This applies to all registered companies, including German Eingetragene Kaufleute (e.K.).
They should top up their Business Account with more than EUR 1.
If your friend opens a Freelancer Account
This applies to Freelancer with the legal status: Netherlands: Eenmanszaak; Italy: Impresa Individuale, EPE, Lavoratore Autonomo and Libero professionista; Poland: Jednoosobowa działalność gospodarcza; Spain: Empresario Individual; Germany: Freiberufler and Kleingewerbetreibende.
They should issue a virtual or physical card from their Freelancer Account and make a card payment with a minimum of EUR 10. It can be within a single or combined payment. Please note that ATM transactions or cash withdrawals are not counted as card payments.
That’s it! You and your friend will get your rewards within 3 business days after all the conditions are met.
Please note the following:
Rewards are only granted for your friend’s first application with us, even if they use your referral link for a later successful application.
This promotion does not apply to Founder Accounts (Companies in Formation).
Here’s what the experience looks like:
Frequently Asked Questions (FAQ)
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 or Crypto Pocket 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.
Rewards Amount
If your friend opens a Business Account:
Country | Rewards | Country | Rewards |
Luxembourg | €50 | Spain | €50 |
Norway | €50 | Slovenia | €50 |
Iceland | €50 | Portugal | €50 |
Sweden | €50 | Malta | €50 |
Ireland | €50 | Slovakia | €50 |
Netherlands | €50 | Greece | €50 |
Austria | €50 | Lithuania | €50 |
Finland | €50 | Hungary | €50 |
Germany | €50 | Poland | €50 |
Belgium | €50 | Romania | €50 |
Italy | €50 | Denmark | €50 |
Cyprus | €50 | Czech Republic | €50 |
If your friend opens a Freelancer Account:
As an Inviter, you will receive a 3% annual interest rate* in your “Cash with fixed interest” section of your Interest Rate Pocket for 60 days in your Personal Account.
While your friend will receive EUR 35.
*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).
*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.