Let your money work for you

Interest Rate Pocket

Let your money work for you: Earn 5% fixed interest

Keep your uninvested funds in the Interest Rate Pocket to earn a fixed 5% interest p.a. Interest is added every business day — visualise your growth with in-app dynamics.

The promotional interest applies for the first 2 months after opening the Interest Rate Pocket. Afterward, the fixed annual interest rate for Prime plan users is 4%*. Explore more options in the Plans table.

Earn interest every day

Returns are added to the Interest Rate Pocket every business day — and you can access them right away. Don’t freeze your money with old-fashioned fixed term saving products.

No fees

Top up, withdraw, and hold your uninvested cash with zero fees.

No minimum balance requirements

Deposit as little as 0,01 € to start earning fixed interest on your uninvested cash.

Instant access to your cash

Transfer in one click to your card and instantly use for purchases, if you keep your funds in the uninvested cash.

0% fee. Even for past purchases.

Learn more →

We keep your money safe

To protect your money while offering a good return, we invest your money in Money Market Funds (MMF). All the funds we use have AAA/Aaa ratings from rating agencies such as S&P and Moody's and Fitch.

Authorised by the AFM

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

Your money is in safe hands

We keep your funds separate from our own assets to ensure that they are safe even in the event of our bankruptcy.

Here is how you start

1
Open your account

Open your Vivid account in 5 mins. Create your Interest Rate Pocket on the Pockets screen in the app.

2
Top up your Pocket

Make a deposit of minimum 2€ and pick between EUR or USD fund.

3
Start earning fixed interest

Open your Vivid account in 5 mins. Create your Interest Rate Pocket on the Pockets screen in the app.

4
Explore more options with Money Market Funds

Invest in Money Market Funds to earn a variable rate.

Money Market Funds

Available for you in the Interest Rate Pocket.

5.00%

Variable rate

BlackRock ICS USD Government Liquidity Fund

3.42%

Variable rate

BlackRock ICS Euro Government Liquidity Fund

Interest rate is a 30-day yield as of 7 May 2024. Interest rates displayed are applicable to the Prime plan. See other options in the app.

Growth is not guaranteed. Investing always involves risks.

Questions?

How to find IBAN number?
Your IBAN number can typically be found on your bank statement or via your online banking system. Alternatively, an IBAN calculator can generate your number based on your local bank details.
Is IBAN and SWIFT code the same?
IBAN and SWIFT code are not the same. The IBAN identifies a specific bank account for international transactions, while the SWIFT code identifies the bank itself.
How many digits in an IBAN number?
IBAN number can have up to 34 alphanumeric characters. This includes a country code, check digits, and a domestic bank account number.

* The rates are fixed but may be subject to change based on market conditions or the company’s discretionary decisions. Any changes will be communicated three weeks in advance.

Investing always involves risks. Therefore, the value of your investment and the income from it will vary and your initial investment amount cannot be guaranteed. The value of investments and the income from them can fall as well as rise and is not guaranteed. You may not get back the amount originally invested.
A Money Market Fund (MMF) is not a guaranteed investment vehicle. An investment in MMFs is different from an investment in deposits; the principal invested in an MMF is capable of fluctuation and the risk of loss of the principal is to be borne by the investor.
The MMF does not rely on external support for guaranteeing the liquidity of the MMF or stabilising the NAV per share.
Short Term Money Market Funds do not generally experience extreme price variations. Changes in interest rates will impact the Fund. Counterparty Risk: The insolvency of any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, may expose the Fund to financial loss. Credit Risk: The issuer of a financial asset held within the Fund may not pay income or repay capital to the Fund when due.

Vivid Money S.A., 21 rue Glesener, Luxembourg, L-1631, Luxembourg, a Financial institution authorized and regulated by the Commission de Surveillance du Secteur Financier, Luxembourg, under the register number W00000015.

If you have a bank account with Solaris SE, where Vivid Money GmbH is acting as an outsourcing provider of Solaris SE for the provision of bank account services and debit card services, you can find more information here.

Please note that all our Invest services are provided to you by Vivid Money B.V. that is licensed as an Investment Firm by the Dutch Authority for Financial Markets (AFM). Vivid Money B.V. has its address at Strawinskylaan 4117, 1077 ZX Amsterdam, the Netherlands and a registration with the trade register of the Dutch Chamber of Commerce under number 78219159. The register can be accessed under https://www.afm.nl/en/sector/registers. Vivid Money BV also offers the brokerage of transactions for the purchase and sale of financial instruments in context of the currency conversion products.