Regardless of whether you're a Standard, Plus, or Prime customer, when you open your first Interest Rate Pocket in Vivid before 29th of April 2025, you’ll receive a promotional 4% per annum fixed interest rate over the following two months. If you open your first Interest Rate Pocket on 29th of April 2025 or later, you will receive a 3% fixed p.a. interest rate for the first 2 months.
After the first promotional period of two months, you will receive fixed annual interest rates depending on your plan: 2.5% per annum for Prime customers*, 1.5% per annum for Plus customers, and 0.5% per annum for Standard customers. Starting from 29th of April 2025, these regular annual interest rates will change to 2.25% for Prime customers, 1.25% for Plus customers, and 0.25% for Standard customers.
To start earning fixed interest, just deposit funds into the 'Cash with fixed interest' section of your newly created Interest Rate Pocket. You can learn more about adding funds to the Interest Rate Pocket here.
Are promotional interest rates subject to limitations?
Promo rates are applied to your Interest Rate Pocket’s balance up to EUR 100,000. Any amount exceeding this threshold will yield the interest rates set by your plan.
The rates are fixed, but they may be subject to change in the future based on market conditions or Vivid’s discretionary decisions.
* Prime customers with a total balance of up to EUR 30,000 in their ‘Cash with fixed interest’ section of their Interest Rate Pockets will receive the Vivid interest rate for Prime customers. Any funds above EUR 30,000 will receive a fixed annual interest rate calculated daily based on the current European Central Bank (ECB) deposit facility rate minus 0.15%. You can find the most up-to-date ECB deposit facility rate here: ECB website.
Starting from 29 April 2025, we are also adjusting our tiering system for Prime customers. For funds below EUR 10,000, the rate will apply as per the current terms. Funds exceeding this amount will receive a fixed annual rate calculated daily based on the existing ECB deposit facility rate minus 0.15%.