Metal
Exclusive stainless steel design. Available with Vivid Prime.
→Interest on your money
Earn a 5% annual Interest rate for the first 2 months, then up to 4% with the Interest Rate Pocket, depending on your Plan. The interest rates will change starting January 2, 2025, learn more. Interest is paid every business day. Add and withdraw money instantly 24/7. Your uninvested cash inside this Pocket is invested by us in Qualifying Money Market Funds, generating interest. Find more information here.
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!
€2.000
Use different Pockets for your everyday spending, link cards to any of them
€3.550
Manage shared expenses with your family and friends
€1.789
• 5%Earn up to 5% annual interest and make your money work for you
€15.900
• 5%Save up money for personal goals, also with up to 5% annual interest
€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.
Investing always involves risks and your initial investment amount cannot be guaranteed.
You can find more information about Money Market Funds and the risks of investing in financial instruments here.
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
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
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
Invite friends to boost your cashback with Super Deals and other exciting offers.
Open your account online in just a few minutes
Download the Vivid Money app and provide basic information about yourself.
Full online registration: do it whenever you're ready.
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
Accounts & Payments
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
✔︎
✔︎
✔︎
Access to Metal card
✘
✘
✔︎
Up to 3 each type
Up to 3
Up to 3
Up to 3
Interest rate
Cash with fixed interest
The interest rates will change starting January 2, 2025. Learn more
The interest rates will change starting January 2, 2025. Learn more
5% 2.0%The promo applies for the first 2 months after opening the Interest Rate Pocket.
5% 3.0%The promo applies for the first 2 months after opening the Interest Rate Pocket.
5% 4.0%The promo applies for the first 2 months after opening the Interest Rate Pocket.
CashbackTo be eligible to receive cashback the following 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% (default)
0.75% (turnover from €5k)
0.50% (turnover from €200k)
0.25% (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 after opening an Invest Pocket
0.5%
0.5%
0.25%
FX mark-up starting from the 2nd month, based on the previous month turnover. Turnover is the value of all your buying and selling trades in EUR.
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
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.