• Vivid now offers an easy way for SMEs and freelancers to grow their money through investing. 
• The new feature includes ready-made portfolios with returns of up to 6% per year, underlying funds managed by BlackRock.
• As the key interest rates for the euro area are expected to be further decreasing, investments are becoming more attractive again.
• While retail customers have had access to user friendly and simple investment options for over a decade, business customers have largely been left out. Vivid now closes that gap. 

Berlin, 28 April 2025– Vivid, one of Europe’s fastest-growing financial platforms for businesses and freelancers, today announced the launch of its smart investing program“Interest Strategies” designed specifically for SMEs and freelancers. The program presents a significant upgrade of the existing Interest Account. With this rollout, Vivid becomes the first financial platform in Europe to offer bond strategy investments for business customers.

Responding to the ECB Shift

The launch comes shortly after the European Central Bank announced its seventh interest rate cut since the peak in June of last year — and its fourth since the easing cycle began in autumn 2024. While rates remain relatively high, the ECB has signaled a continued shift in direction. Analysts expect two to three further cuts towards the end of 2025.

As interest rates are expected to be further decreasing, investments are becoming more attractive again. While retail customers have had access to simple and user friendly investment options for over a decade, business customers have largely been left out. Vivid now closes that gap – offering interest strategy options, with professionally managed funds, with just a few taps in the app.

“With the ECB shifting course, the window of opportunity for businesses to start investing is now,”said Alexander Emeshev, Co-Founder at Vivid. “Rates are still high but trending downward. That makes this the right moment for SMEs and freelancers to put idle capital to work. We designed this fully automated product to help them act quickly and access returns that were previously hard to reach.”

One Account, Two Interest Options

Vivid’s Interest Account is available across all major markets and offers users flexible ways to earn on their business capital. It includes a section for Uninvested Cash as well as access to Interest Strategies — a set of professionally designed investment options tailored to different risk profiles.

The account provides four investment modes, grouped into two categories:

• Fixed-Interest Mode (3% annual)
  3% annual interest rate available for the first two months, then up to 2,3% p.a., depending on the tariff plan for all supported markets.
  This mode has been live since January 2024. It offers a stable yield and is ideal for businesses seeking predictable, low-risk returns. The uninvested cash is invested by Vivid in Qualifying Money Market Funds, which generate interest. These interest rates are fixed but subject to periodic updates. 
     
• Interest Strategies Mode (up to 6% variable annual returns)
  These include three managed portfolios — Conservative, Balanced, and Grow — each offering a different balance between risk and return. The portfolios are backed primarily by bond-based assets and allow businesses to earn without relying on capital gains. The interest rates depend on the market performance; fees excluded.

Users can switch between modes at any time via the Vivid app.

Key advantages:

• No reliance on market timing or stock performance in fixed interest mode
  
• Broad diversification across fixed-income instrument 
• Interest Strategies have potentially stronger returns than money market funds – with lower volatility than equities    
• The fixed-interest mode offers stable, predictable yields — ideal for capital preservation
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Together, these features make the Interest Strategies an attractive entry point for businesses that wantto grow idle capital without taking on excessive risk or needing investment expertise.

Business Capital that Works - Not Waits

The new solution integrates seamlessly with Vivid’s broader mission to help SMEs save and grow their money.The offering already includes savings, expense tracking, and travel. It’s available in all major Vivid markets*, and open to all users. But it’s especially attractive for companies with higher balances. 

“Businesses leaving capital unused are giving away real value.” said Alexander Emeshev, Co-Founder at Vivid.  “Enterprises with larger reserves clearly benefit – but this feature also gives freshly funded startups the opportunity to extend their runway by making better use of their funding instead of leaving it in a bank account.Our goal is to support business owners not just in managing their money, but in using it to actively create value.”

By adding Interest Strategies to its platform, Vivid continues its mission to deliver smart, scalable tools for Europe’s new generation of business owners – helping them manage, move, and now grow their money in one place.

Interest Strategies are being gradually rolled out and will be available to all customers by 29/04/2025.
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Investing always involves risks and your initial investment amount cannot be guaranteed.

Interest Accounts areprovided by Vivid Money BV, which is licensed as an investment firm with theDutch AFM, and the promotional 3% annual interest rate is valid for the firsttwo months after opening an Interest Account. The promotional rate applies tofunds up to €300,000 for SME customers and up to €100,000 for freelancers.Funds exceeding the respective threshold will accrue regular interest accordingto the rate of the chosen plan. After the promotional period, the regularinterest rate as per the chosen plan will apply on funds of any amount.

Note:
*Not available in Portugal, Poland, Hungary, Bulgaria.

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