Vivid Referral Program: €20 Bonus + 3% Rate for Friends (2026)

Existing eligible Vivid Personal customers can share their referral link with friends. To qualify, the invited person must open a Vivid account using that link and complete Vivid's stated steps within 90 days of registration.

1. 1

   Open Vivid through the referral link

   The new customer should start registration from the inviter's referral link so the referral is tracked.

2. 2

   Verify the account

   Vivid requires identity verification to open and use an account. The minimum age is 18.

3. 3

   Order the first physical card

   The invited customer must order a physical Vivid card within the 90-day referral window.

4. 4

   Add at least €100

   At least €100 must be added within 90 days. Vivid lists card, Apple Pay, Google Pay, SEPA, Instant SEPA and PayPal as supported methods, excluding money requests and transfers from other Vivid customers.

5. 5

   Open an Interest Rate Pocket

   The invitee needs an Interest Rate Pocket to receive the 60-day promotional rate.

Vivid says you can invite as many friends as you like. The current help page guarantees €20 for each of the first five qualifying friends; it warns that the reward from the sixth referral onward may be lower, so check the amount shown in your app before sharing.

The €20 referral reward is credited to Vivid's Stock Rewards Pocket rather than directly as ordinary account cash. Vivid says this pocket holds cashback and Stock Rewards. You can redeem the available funds, which transfers them to your Money Pocket, or leave them in the reward mechanism linked to a selected stock or ETF.

Vivid currently lists Austria, Cyprus, France, Germany, Italy, Luxembourg, the Netherlands, Portugal and Spain as countries where customers can participate as both inviter and invitee. Switzerland is supported for opening a Vivid account, but it is not listed among the countries where the invite option is available to referrers.

The invited friend's benefit is a promotional fixed rate of 3% per year for 60 days on eligible uninvested cash in an Interest Rate Pocket. Vivid's general rate documentation says promotional rates can apply to balances up to €100,000.

Vivid also states that simultaneous Interest Rate Pocket promotions are not cumulative. If more than one promotion applies at the same time, Vivid applies the higher promotional rate for the relevant period rather than adding the rates together.

• Both the referrer and invited friend must have active Vivid Personal accounts for the referral benefits to qualify.
• The invited person must complete the requirements within 90 days of registration.
• The minimum age to open a Vivid account is 18 and identity verification is required.
• If a qualifying transaction is canceled or reversed, Vivid can cancel referral benefits.
• Vivid can cancel participation or promotional benefits when it detects misuse, attempted fraud or referrals designed mainly to manufacture the bonus.

Vivid's current public help page tells customers to share their referral link with friends, but it does not explicitly define whether broad public posting on websites, forums or coupon platforms is permitted. Because no clear public-sharing permission was found in the current official material reviewed for this guide, treat personal sharing as the safest approach and check the terms shown in your app before posting publicly.

For a Vivid customer with friends who genuinely want an account, €20 per qualifying referral is straightforward and the first-five structure is easy to understand. For the invited person, the benefit is more situational because it is an interest-rate promotion rather than cash and requires a physical card, a €100 top-up and an Interest Rate Pocket within 90 days.