Invest in stocks and ETFs
- Stocks of popular companies
- Free withdrawal to your Vivid account, usually within seconds
- A fixed €1 per trade on every plan
- Real-time market data from major stock exchanges
Interest on your money
Earn a 3% annual interest rate for the first 2 months, then up to 2% with the Interest Rate Pocket, depending on your plan. Interest is paid daily. Add and withdraw money at any time.
Trustpilot: Excellent! | 30,000+ reviews
Your uninvested cash inside this Pocket is invested by us in Qualifying Money Market Funds, generating interest. Find more information here.
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 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.
Money Pocket
Use different Pockets for your everyday spending, link cards to any of them
Shared Pocket
Manage shared expenses with your family and friends
Interest
Earn up to 3% annual interest and make your money work for you
Savings
Save up money for personal goals, also with up to 3% annual interest
Stocks and ETFs
Invest in US/EU stocks and ETFs
Crypto
Get access to 150+ coins
Grow your funds with Vivid
Start using Vivid's tools to invest in European and US stocks, as well as 150+ cryptocurrencies.
Invest in crypto
- Only €1 and a Vivid account to start
- Choose from 150+ coins, including BTC, ETH, SOL and DOGE
- Instant and free fiat top-ups
- Trade more, pay less: the fee drops as your monthly turnover grows
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.
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 times 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 plan.
Metal
Exclusive stainless steel design. Available with Vivid Prime.
Custom
Design your perfect card: select a colour, then choose a sticker or draw your own picture.
Virtual
Start using it immediately. Pay online or in stores with contactless.
Rewards up to 4% on everyday card purchases
Choose the categories you spend the most in and get money back on those purchases.
Get cashback on the purchases that matter to you
Get up to 4% cashback and get up to €100 a month with Vivid Prime and up to €20 a month with Vivid Standard.
TaxiUber€0,70− €35,00
SupermarketsLidl€3,28− €109,38
HotelsBooking.com€4,60− €230,00
FashionZalando€3,98− €199,00
Up to 4 categories with Vivid Prime
Each month you choose where you earn: up to 3 categories with Vivid Standard, up to 4 with Vivid Plus and Vivid Prime.
Open your account online in just a few minutes
1
Apply in the app
Download the Vivid Money app and provide basic information about yourself.
2
Verify your identity, no video calls
Registration is fully online, so you can do it whenever you are ready.
3
Get your account ready to use
Top up your account, issue a card and start using it right away. You can also earn interest and share Pockets with your family.
Up to €100 cashback a month with Vivid Prime. Get 1 month for free
All new customers get 1 month of Vivid Prime for free, then from €7.90 a month. Prime raises your cashback limit to €100 a month and gives you up to 15 Pockets with their own IBAN. You can switch to Standard or Plus in the app at any time and keep your card.
Compare Vivid Standard, Plus and Prime
Vivid Standard
€0/month for active customers¹, otherwise €4.90 account management fee is applied.
Vivid Plus
€6.90 / month
Vivid Prime
1 month for free, then from €7.90/month. We won’t charge you without your consent
Accounts & Payments
Instant SEPA transfers
✔︎
✔︎
✔︎
Access to shared Pockets
✔︎
✔︎
✔︎
Maximum number of people in a Shared Pocket
Up to 5
Up to 5
Up to 5
Cards
Free first physical card
✔︎
✔︎
✔︎
Metal card available
✘
✘
✔︎
Interest rate
Cash with fixed interest
3% 0.1%
3% 1%
3% 2% ²
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 3
Up to 4
Up to 4
Crypto
Trading fee
2.00% (default)
1.75% (turnover from €5k)
1.70% (turnover from €10k)
1.65% (turnover from €50k)
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)
0.70% (turnover from €10k)
0.65% (turnover from €50k)
0.50% (turnover from €200k)
0.25% (turnover from €400k)
0.75% (default)
0.50% (turnover from €5k)
0.45% (turnover from €10k)
0.40% (turnover from €50k)
0.25% (turnover from €200k)
Free first €300k, then 0.25% (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 money is safeguarded in full: in segregated client-money accounts with European partner banks and in a Qualifying Money Market Fund (QMMF), which may only hold low risk, highly liquid assets. 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 S.A. is regulated by the Commission de Surveillance du Secteur Financier (CSSF) of Luxembourg 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 and safeguarded in full. In the unlikely event of Vivid Money S.A. becoming insolvent, your balance would not form part of its estate and would be claimable by you: there is no upper limit. On top of that, funds we hold for you in our client-money account at Natixis (France) are covered by the French statutory deposit guarantee, up to €100,000 per customer, if that bank were to fail. That cover applies to the funds held in that account, not to your full balance, and money market fund holdings are not deposits and are not covered. The funds in your account are yours, and yours alone.
Superior payment security
We comply with the Payment Card Industry Data Security Standards to protect your payment information.
2-step authentication
With 3D Secure and two-step authentication we ensure no payment is made without your authorisation.
GDPR compliance
Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.
Deposit protection
Your balance is safeguarded in full by Vivid Money S.A. Funds at our partner bank Natixis (France) also carry the French deposit guarantee, up to €100,000 per customer.