Let your money do more with Model Portfolios

Put your business cash to work with model portfolios built around a diversified asset approach.

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Open a Model Portfolios account

Best Business Investment Account 2026
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No. 1 Business Investment Account 2026
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Top Mobile Banking 2026
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Industry Leader 2026
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Choose the Portfolio that suits you best

7,59% in EUR

Permanent

RISK

6,19% in EUR

All-weather

RISK

4,54% in EUR

High Yield Bonds

RISK

3,09% in EUR

Balanced Bonds

RISK

2,45% in EUR

Conservative Bonds

RISK

Model Portfolios are not available in Portugal, Poland, Hungary, Bulgaria. The specified rate is valid as of 09/02/2026 and does not include fees. Investing always involves risks and your initial investment amount cannot be guaranteed. You can find more information here.
*Based on simulated past performance of model portfolios constructed. Performance is estimated on historical data over 20 years. Check FAQ for more details here.

Up to 8% portfolio performance with Model Portfolios

Ready to boost your interest earnings by diversifying your investments? Unlock a variable annual interest rate with daily returns from a mix of investment-grade or high-yield corporate bond ETFs, along with cash.

7,59% in EUR

Permanent portfolio

Bonds 15Y

MSCI World

Bonds 7–10Y

Gold

Commodity

Euro cash

Hassle-free portfolio investments

Choose between our Growth, Balanced or Conservative portfolios, based on your preferred level of risk and return.

Whatever you deposit and withdraw — together we'll ensure your portfolio is rebalanced.

Backed by BlackRock

With Model Portfolios, your money is invested in bond ETFs managed by BlackRock — one of the world's most renowned asset managers, entrusted with over $11 trillion in assets.

Investing always involves risks and your initial investment amount cannot be guaranteed. You can find more information here.

Instant withdrawal

Withdraw to your Money Account anytime you need funds — up to €1 million instantly. Over €1 million: next business day.

European Trusted platform

Safely stored

Your funds are placed in secure instruments like central bank deposits, high-quality Qualifying Money Market Funds (QMMFs) & ETFs in accordance with the strategy of your choice. Unlike traditional banks, we don’t use client money for risky lending.

Secured against our insolvency

Your funds and investments are kept separate from our own at all times. In the unlikely event of insolvency, your money & ETFs remains yours — safeguarded and ring-fenced, even beyond €100,000.

Authorised by the AFM

Vivid Money B.V., part of Vivid group, is authorised and regulated as an investment firm and a Crypto-Asset Service Provider by the Dutch Authority for the Financial Markets (AFM).

Superior payment security

We comply with the Payment Card Industry Data Security Standards to protect your payment information.

2-step authentication

With 3D Secure and two-step authentication we ensure no payment is made without your authorisation.

GDPR compliance

Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.

Get started in a few simple steps

Complete the onboarding and open your Model Portfolios account

Add funds and allocate part of your business cash

Start earning returns and adjust anytime

Open a Model Portfolios account

Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.

Fair costs, clear value

Model Portfolios rate
Portfolio performance up to 8%
Money Market Funds
Service fee from 0,5% a year
Legal Entity Identifier
(LEI) issuance
€0
Account Maintenance
Free
Service fee
From 0,2%
Instant withdrawal
Free

Learn more

Got more questions about Model Portfolios with Vivid?

What are Model Portfolios?
Model Portfolios allow you to invest cash into diversified ETF portfolios designed for different risk levels and mid-term goals. Portfolios are pre-built and managed, helping you access market returns without active portfolio management. Learn more.
How liquid is my money across these products?
Liquidity depends on the product you choose:
Interest Account: high liquidity, with instant access to uninvested cash
Model Portfolios: medium liquidity, depending on market trading hours
Business Brokerage: liquidity depends on the selected assets and market conditions
How does Vivid ensure the safety of my funds?
Vivid Money B.V. is a licensed investment firm and a Crypto-Asset Service Provider regulated by the Dutch Authority for the Financial Markets (AFM). Client funds and assets are safeguarded and kept separate from Vivid’s own assets, including amounts exceeding €100,000 usually protected by the national Deposit Guarantee Scheme (DGS) applicable to banks. Learn more.
Are returns guaranteed?
No. None of Vivid’s products offer guaranteed returns. Fixed Interest pays a fixed interest rate agreed in advance, but these are not guaranteed. Returns can fluctuate due to changes in interest rates and market conditions. Model Portfolios and Business Brokerage offer variable returns based on market performance and can fluctuate in value. Investors may lose part or all of their invested capital. Learn more.

All-in-one financial management

Business Account

With a quick registration you unlock unlimited IBANs. Discover the ease of managing all your finances from a single platform.

Interest Account

Earn 5% fixed annual interest* on uninvested cash. Your money grows while staying available at all times.

Business Brokerage

Manage all your investments in one place with Business Brokerage — a reimagined business investment account combining Money Market Funds, ETFs, iBonds, Stocks & Crypto