Interest on your money

your interest rate

Earn 5% annual interest on your uninvested EUR cash. Interest is paid every business day. Add and withdraw money instantly 24/7.*The 5% annual rate is applicable with any plan for the first two months after a successful registration; thereafter, the rate depends on your chosen subscription. This is an investment product, capital is at risk.

your interest rate

AWARD-WINNING MOBILE BANKING 2024

Rated with the highest score “Sehr gut” by Handelsblatt, Germany’s no.1 business and financial journal.

Up to 15 Pockets with separate IBANs to organise and save your money

Open up to 3 Pockets with our free Standard plan or up to 15 with our Prime plan. Split your money between Pockets to save towards an upcoming trip or any of your goals!

Use different Pockets for everyday spendings, link cards to any of them
Money Pocket

€2.000

Use different Pockets for everyday spendings, link cards to any of them

Manage shared expenses with your family and friends
Shared pocket

€3.550

Manage shared expenses with your family and friends

Earn up to 5% annual interest to make your money work for you
Interest• 5%

€1.789

• 5%

Earn up to 5% annual interest to make your money work for you

Save up money for personal goals, also with up to 5% annual interest
Savings• 5%

€15.900

• 5%

Save up money for personal goals, also with up to 5% annual interest

Invest in US/EU stocks and ETFs
Stocks & ETFs

€1.500

Invest in US/EU stocks and ETFs

Grow your funds with Vivid

Start using Vivid's tools to invest in European and US stocks, as well as 300+ cryptocurrencies.

Invest in stocks & ETFs

Invest in stocks & ETFs

  • Stocks of popular companies
  • Immediate cash withdrawal with no commission
  • Instant price-alerts and personalized news
  • Real-time market data with real-time prices from the world’s biggest stock exchanges
More details
payments block icon

Pay instantly without fees

Unlimited SEPA transfers across the EU. Free. Instant. Limitless.

Drag-n-drop money between Pockets seamlessly. Move any amount as many time as you want.

Flexible payments. Link any card to any Pocket whenever you want and pay with it.

Choose the right card for you

Issue the card that suits your needs, easily add it into your Apple or Google Wallet, and start using it right away. First physical card is free with any plans.

Rewards up to 4% on everyday card purchases

Earn cashback on the purchases that matter to you

Get up to 4% cashback and earn up to €100 per month with Vivid Prime and up to €20 per month with Vivid Standard.

Up to 25% cashback
Up to €40 with Super Deals

Invite friends to boost your cashback with Super Deals and other exciting offers.

More details

Open your account online in just a few minutes

Sign up for an account on our mobile app

Download the Vivid Money app and provide basic information about yourself.


Verify your identity, no video calls

Full online registration: do it whenever you're ready.


Get your account ready to use

Top up your account instantly, issue a card and start using right away, start earning interest, share Pockets with your family, and much more!


Save up to €140 per month with Vivid Prime. Get 1 month for free!

All our new customers get 1 month of Vivid Prime for free! Save money on fees and earn higher cashback up to €140 per month. After your free trial, simply choose the right plan for you. Whether you choose Vivid Prime or Vivid Standard, you'll keep your card.

Save up to €140 per month with Vivid Prime. 1 month for free!

Vivid Standard
€0/month for active customers¹, otherwise €3.90 account management fee is applied.
Vivid Plus
€6.90 / month
Vivid Prime
1 month for free, €9.90/month after. We won’t charge you without your consent
prime offer
Accounts & Payments
Separate Pockets with individual IBANs
Up to 3
Up to 6
Up to 15
Instant SEPA transfers
✔︎
✔︎
✔︎
Access to shared Pockets
✔︎
✔︎
✔︎
Maximum amount of users in the Shared Pocket
Up to 5
Up to 5
Up to 5
Cards
First free physical card
✔︎
0
0
Access to Metal card
✔︎
Up to 3 each type
Up to 3
Up to 3
Up to 3
Interest rate
Cash with fixed interest
5% 2.0%
Promo for the first 2 months since opening the Interest Rate Pocket.
5% 3.0%
Promo for the first 2 months since opening the Interest Rate Pocket.
5% 4.0%
Promo for the first 2 months since opening the Interest Rate Pocket.
CashbackTo be eligible for the cashback for the next month, customers need to have at least €1,000 account balance or €100 in holding assets on the last day of the previous month.
Cashback per month
Up to €20
Up to €50
Up to €100
Cashback on popular personalised brands
✔︎
✔︎
Cashback categories
Up to 2
Up to 3
Up to 4
Crypto
Trading fee
2.00% (default)
1.75% (turnover from €5k)
1.50% (turnover from €200k)
1.25% (turnover from €400k)
Minimum fee per trade: 1€ (not applicable for Crypto Swaps)
1.50% (default)
1.25% (turnover from €5k)
1.00% (turnover from €200k)
0.75% (turnover from €400k)
0.75% (default)
0.50% (turnover from €5k)
0.25% (turnover from €200k)
Free (turnover from €400k)
Investments in Stocks & ETFs*
Trading fee
€1 per trade
€1 per trade
€1 per trade
FX mark-up for the 1st month since Invest Pocket opened
0.5%
0.5%
0.25%
FX mark-up starting from the 2nd month, based on the last month turnover. Turnover is the value of all your buying and selling trades in Euro.
1.00% (default)
0.50% (turnover from €100)
0.25% (turnover from €500)
0.70% (default)
0.25% (turnover from €100)
0.20% (turnover from €1000)
0.50% (default)
0.25% (turnover from €100)
0.20% (turnover from €1000)

Your money is safe with us

Flowers

Safely stored

Your funds are placed in assets like deposits with the Central Bank of Luxembourg and high-quality qualifying money market funds managed by BlackRock and others. Unlike traditional banks, we don’t use client funds for risky loans.

Overseen by European financial authorities

All our services are provided by the Vivid Money group: Vivid Money SA is regulated by the Commission de Surveillance du Secteur Financier of Luxembourg, Vivid Digital S.r.I. is supervised by Commissione Nazionale per le Società e la Borsa in Italy, and Vivid Money B.V. is regulated by the Dutch Authority for Financial Markets (AFM).

Secured against our insolvency

Your funds are kept separate from our own. In the unlikely event of Vivid Money SA, Vivid Digital S.r.I. or Vivid Money B.V. becoming insolvent, our customers’ money remains safe — even beyond €100,000. The funds in your account are yours, and yours alone.