Auto Split allows you to redirect eligible transactions over €20 to the Vivid Now account. Vivid will set up a virtual repayment plan, so that you can repay the money in 3. Each time you use Auto Split you’ll pay a one-time fee of 2.5% of the total transaction amount.

Be advised that Auto Split transactions aren’t eligible for cashback. Additionally, you can’t use Auto Split for money transfers, foreign currency, traveller’s cheques, payment on invoice, quasi-cash, gambling and lottery purchases.

How many purchases can I have in my Auto Split?

You can use Auto Split as much as you like, as long as you have sufficient money in your Vivid Now account, either a credit balance or overdraft limit.

Are there any fees associated with Auto Split?

A one-time fee of 2.5% of the total transaction amount will apply to any Auto Split payment.

Kindly note that if you receive a refund for a transaction made using Auto Split within 14 days from the date of the purchase, the 2.5% fee will be adjusted. If the refund is processed outside of this time frame, the fee remains unchanged.

How can I repay the Auto Split transactions?

To get the most from Auto Split you should follow the repayment plan set out for you. To ensure you don’t miss any repayments Vivid will offer you the option to set up timed orders for the repayment amount due. Following the repayment schedule will ensure any interest due is reimbursed.

Alternatively, you can pay the outstanding amount from the repayment schedule partially, or in full via transfer or instant top-up. If you choose the latter, we won’t apply any limit for instant top-ups that go towards the repayment of your split payments debt regardless of your plan.

If you don’t meet the repayment schedule due date, where the overdraft has been used for Auto Split you’ll accrue interest at an annual rate (APR) of 14%* calculated on the entire outstanding balance.

*The available amount of the overdraft facility will depend on your creditworthiness whereas the annual percentage rate (APR) is 14%.