The Viva.com Saver is a business deposit account designed to offer a secure way to save funds and earn interest. It is created and managed exclusively through our digital platform.
What does the Viva.com Saver offer?
This account allows businesses, sole proprietors, and self-employed professionals to make the most of their available funds in an environment that provides:
Interest earnings based on the European Central Bank (ECB) deposit facility rate, reduced by 1%.
Full online management via viva.com.
Access to all account movements and interest calculations through your dashboard.
Deposit protection of up to €100,000 under the Hellenic Deposit and Investment Guarantee Fund (TEKE).
Letters of Guarantee: Customers may request a Letter of Guarantee
Key Features
Account Type: Interest-bearing deposit account for businesses.
Currency: Euro (€)
Eligible Customers: Legal entities, sole proprietors, and professionals.
Minimum balance to earn interest: A minimum balance of €100 is required for interest to begin accruing.
Interest Rate: Based on the ECB Deposit Facility Rate, reduced by 1%. Whenever the ECB rate changes, a notification will appear in your account showing the new rate and the date it will take effect.
(Example: if the ECB rate is 2.5%, the account interest rate will be 1.5%)Interest Payment: Monthly
Interest Calculation: Daily, using a 360-day year basis
Start of Interest Calculation: The next business day following the deposit
End of Interest Calculation: The day before any withdrawal
Tax on Interest: Interest earned is subject to withholding tax, according to the customer’s country of tax residence.
For examplein France, a 5% withholding tax currently applies
in Belgium, a 10% withholding tax currently applies
in Luxembourg, a 8% withholding tax currently applies
Account Fee: A monthly management fee of €10 is applied and charged to your main viva.com account.
The Viva.com Saver is intended solely for savings purposes, aimed at earning interest. It supports incoming transfers from other banks and internal transfers between accounts held with Viva.
It does not support payment transactions, card usage or issuance, acquiring services, outgoing transfers, or integrations with payment methods such as other third-party systems.
Click here to learn how to create the Viva.com Saver Account.