If you make use of Auto Split or Free Up, and any transactions utilise the overdraft limit on your Vivid Now account then the overdraft utilisation will incur interest. But if you stick to the repayment plan set out for you in the app, Vivid will reimburse any interest.

If you miss the repayment date or choose not to make repayments, you’ll begin accruing interest at the standard rate on top of the 2.5% one time fee for the Auto Split or Free up transaction. This will be deducted from the total interest reimbursement you receive.