Vivid Referral - Neobank with cashback and investing
€20 per referee for the referrer (up to €100), rate raised to 3% for 2 months for the referee
The Vivid referral, called Invite a Friend, pays the referrer €20 per referee into their Stock Rewards Pocket, for the first 5 referees, i.e. €100. The referee gets an increased fixed annual interest rate of 3% for 2 months on the uninvested cash in their Interest Rate Pocket. France is among the countries where you can be both inviter and invitee. Conditions recorded in the Vivid help centre on 28/07/2026.
Who it's for and when
Vivid makes sense if you want an account that pays interest on idle cash, with an app mixing day-to-day banking, savings pockets and stock rewards. The referral is consistent with the product: the referee does not get a cash bonus but a boosted rate, which is only worth something if they actually leave money in their Interest Rate Pocket. For the referrer, on the other hand, the €20 is a clear fixed amount.
How to get it, step by step
- Share your referral link from the Vivid app
- The referee opens their Vivid account through the link
- Within 90 days, the referee orders their first physical card
- They top up at least €100 (card, Apple Pay, Google Pay, SEPA, Instant SEPA or PayPal)
- They open an Interest Rate Pocket, required to receive the boosted rate
- Your €20 is credited to your Stock Rewards Pocket, trackable in the app
Our analysis
The programme is precise and documented, which is welcome. The referrer earns €20 per referee, credited to their Stock Rewards Pocket, for the first five referees, so €100 at the full rate. Vivid states that beyond the sixth referee the reward may be lower, without saying by how much. For the referee the benefit is not monetary: it is a fixed annual rate raised to 3% for two months, applied to the Interest Rate Pocket balance up to €100,000. Three conditions must be met within 90 days of signing up through the link: order a first physical card, top up at least €100 by card, Apple Pay, Google Pay, SEPA, Instant SEPA or PayPal, and open an Interest Rate Pocket. Transfers received from other Vivid customers and money requests do not count toward that €100. If the referee's transaction is cancelled or reversed, Vivid reserves the right to cancel the benefits. Finally, several promotions on the same pocket do not stack: the highest rate applies.
Strengths
- Clear fixed referrer amount: €20 per referee, up to €100 over the first 5
- France is among the countries eligible as both inviter and invitee
- Conditions published in detail in the help centre, with no grey areas
- Each referee's progress tracked directly in the app
Things to watch
- The referee gets no cash but a boosted rate for 2 months only
- That rate is only worth something if the referee leaves cash in their Interest Rate Pocket
- Beyond the 6th referee, Vivid says the reward may be lower
- Three conditions to meet within 90 days, including a €100 minimum top-up
- Transfers received from other Vivid customers do not count toward that €100
- A cancelled or reversed transaction can void the benefits
Frequently asked questions
How much does the Vivid referral pay?
The referrer gets €20 per referee, credited to their Stock Rewards Pocket, for the first five referees, i.e. €100 in total. Vivid states that from the sixth referee the amount may be lower, without saying by how much. Conditions recorded in the Vivid help centre on 28/07/2026.
What does the referee get at Vivid?
Not a cash bonus, but a fixed annual interest rate raised to 3% for two months, applied to the uninvested balance of their Interest Rate Pocket, up to €100,000. Above that ceiling the standard rate of their plan applies. The benefit is therefore only worth something if the referee actually leaves cash in that pocket.
What conditions must the referee meet?
Three, all within 90 days of signing up through the link: order their first physical card, top up at least €100 by card, Apple Pay, Google Pay, SEPA, Instant SEPA or PayPal, and open an Interest Rate Pocket. Transfers received from other Vivid customers and money requests do not count toward that €100.
Is the Vivid referral available in France?
Yes. Vivid lists France among the countries where you can take part both as inviter and invitee, alongside Austria, Cyprus, Germany, Italy, Luxembourg, the Netherlands, Portugal and Spain. Outside those countries you can only benefit as an invitee.
Offer verified on 2026-07-28