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What’s the Invite a Friend programme with Vivid? (Starting from 18.11)
What’s the Invite a Friend programme with Vivid? (Starting from 18.11)
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Written by François
Updated today

Bring your friends and family to Vivid and unlock exclusive benefits. For each of your invited friends who open an account and meet the conditions, you’ll get:

  • Earn a €20 bonus in your Stock Rewards Pocket for each friend you invite - up to 5 friends for a total of €100.

Your friend (the invitee) will get:

  • An increased annual fixed interest rate* of 6% for 60 days if the referral conditions are fulfilled by 02 January 2025. Starting from 02 January 2025, the increased annual fixed interest rate will be 5% for 60 days.

This referral programme is exclusively available for Vivid customers. If you reside in Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Luxembourg, the Netherlands, Norway, Portugal, Slovakia, Spain and Sweden, you can join the programme as both an inviter or an invitee. If you live outside of these countries, you won’t see the option to invite friends to open an account with us, but you can still benefit from its perks as an invitee.

How can I invite my friends to join Vivid?

Simply share your referral link with friends and encourage them to sign up. Once they order a physical card and top up at least €100 to their account within 90 days from their registration, you're all set! You can track this process conveniently within the app.

You can bring as many friends as you like, keeping in mind that:

  • You can earn a €20 bonus for each of the first 5 friends you invite. For the sixth and any additional friends, the reward amount may be lower.

It’s also important to emphasize that if the invitee’s transaction is canceled or reversed (e.g., due to a return), Vivid reserves the right to cancel the referral benefits.

What benefits do I receive if I've been invited?

As an invitee, you'll benefit from an increased annual fixed interest rate* of 6% for 60 days on the uninvested cash that you hold inside your Interest Rate Pocket, provided the referral conditions are fulfilled by 02 January 2025. If the referral conditions are fulfilled on or after 02 January 2025, you’ll receive an annual fixed interest rate of 5% for 60 days.

To receive the benefit, you must open your Vivid account using the referral link. Then, within 90 days:

  1. order your first physical card,

  2. top up your account with at least €100 through a variety of methods: card, Apple Pay, Google Pay, SEPA, Instant SEPA, or PayPal (excluding money requests or transfers from other Vivid customers), and

  3. open an Interest Rate Pocket (in order to be able to receive the benefit).

We will need to send your referrer information about your application so that they can earn their respective benefits.

You can find more information about the Interest Rate Pocket here.

The Invite a Friend programme is powered by Vivid Money GmbH and Vivid Money B.V.. Vivid Money GmbH reserves the right to modify or terminate the program at any time with prior notice. If fraudulent activity or misuse of this programme is detected, Vivid may immediately revert your promotional interest rate of the referee to the rate specified by your plan and cancel your participation in the programme.

What additional information should I know about the Invite a Friend programme with Vivid?

The Invite a Friend programme is specifically designed for Vivid's retail customers. To qualify for rewards, both you and your friend(s) must have an active Vivid account. It's important to note that referral bonuses and benefits cannot be transferred and will not accumulate if conditions are not met within the specified period.

If there is misuse or fraud - even attempted, is detected by either the inviter or the invitee, or if we see that your referrals are canceling orders, and we suspect that the main purpose of the order has been to qualify for the bonus, Vivid reserves the right to cancel the referral bonus and participation in the programme. You have the option to terminate your participation in the programme at any time. Additionally, Vivid may modify or discontinue the Invite a Friend programme without prior notice.

The Money Rewards are granted to participants in the same way as the Vivid Points in your Stock Rewards Pocket. The Points are provided by Vivid Money GmbH, and increased interest rates are offered by Vivid Money B.V..

Details on how the Vivid Points Program works, and how redemption is performed can be found in the Vivid Points programme here. Note in particular that you need an active Vivid account to withdraw to, and that earned points may be forfeited if your Vivid account becomes inactive**.

*This is an Investment product offered by Vivid Money BV. Increased interest rates are applied to your Interest Rate Pocket’s balance up to €100,000. Any amount exceeding this threshold will yield the standard interest rates set by your plan. In other words, the balance limitations don’t apply to your regular interest rates.

**Electronic money accounts available via the Vivid Money App are provided by Vivid Money S.A., 21 rue Glesener, Luxembourg, L-1631, Luxembourg, an Electronic Money Institution authorized and regulated by the Commission de Surveillance du Secteur Financier, Luxembourg, under the register number W00000015.

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