What’s an Instant top-up?
François avatar
Written by François
Updated over a week ago

No more waiting to start spending! With the app version 1.51 (or newer), you can top up your Vivid account instantly.

To use this feature you need one of the following:

  1. A MasterCard, Maestro, or Visa card from another bank (both Credit and Debit cards work)

  2. Apple Pay

  3. Google Pay

Ready? Depending on the option you select, follow these steps:

  • Tap “Top-up” from the main screen or in a pocket
    Please be advised that the Instant top-up feature can’t be used in Shared pockets.

  • Enter the amount you want to top up.

    If you’ve got the Prime plan, you can add up to €1000 per month with no fee (this period is calculated by the start date of your current plan, as displayed in the “Plan” section in your profile). For additional instant top-ups that exceed this limit, the applicable fee will be displayed before proceeding with the top-up. On the other hand, If you’ve got the Standard plan, the applicable fee for any top-up will also be displayed in-app before confirming the top-up. For more information about fees, tap here.

    Kindly note that the minimum amount per instant top-up is €1.

  • Select “Link your Card”, “Apple Pay” or “Google Pay”.

  • If you choose “Link your Card'', enter the card number, expiry date and CVV code. Then confirm the payment at the other bank’s end via 3DS or SMS. You can even save your details for future top-ups to be even faster and more convenient.

  • If you are topping up your account using Apple Pay or Google Pay, there’s no need to add any additional details. Just authorise the payment using your phone’s code or the face recognition and fingerprint features.

  • If the transaction is successful, the amount will be credited to the pocket you chose right away.

Do you have a Vivid Now account? You can use free instant top-ups to repay your debt according to the Auto Split and Free Up repayment plans. The monthly limits of your plan (€0 for Standard and €1000 for Prime) don’t apply to such top-ups.

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