About Vivid
We believe managing finances should be simple and accessible for everyone. Whether you’re a young entrepreneur or an established business owner, your focus should be on growing your business, not dealing with complex, outdated banking providers. That’s why we created Vivid — a one-stop solution for all your personal and business financial needs.
Made in Germany. Europe-based.
Vivid was founded in 2019 in Berlin — the vibrant heart of Germany’s fintech scene. Today, we’ve grown into a modern European financial group with offices and tech hubs across the continent, including Amsterdam, Luxembourg, and Limassol. We are regulated in multiple EU member states and provide our services both locally and cross-border within Europe.
Vivid in numbers
2020
Launch of Vivid Money
€200M+ raised
Backed by world-known investors
30 EEA countries and Switzerland
Supported with our services
When the media speaks
Discover what some of the most important publications are saying about Vivid and our product
The Paypers
Vivid gains MiCAR licence for EU expansion. The new licence will allow the European financial platform to offer regulated crypto solutions across all EU member states, enabling it to become one of the few platforms authorised under the new EU-wide crypto regulation.Read moreThe Fintech Times
Vivid is teaming up with global fintech platform Adyen to launch a full-scale card acquiring solution that enables SMBs to accept card payments and access their earnings instantly.Read moreFinextra
Vivid today launches its AI-powered Digital Employees to empower European SMEs. With the new AI assistants, companies can increase their productivity by 1.3x, save up to 13 hours of productive time per week, and reduce monthly operating costs by up to €4,000.Read moreFunds Europe
Vivid has announced the launch of a treasury account facilitating capital growth through iBonds, ETFs, money market funds, stocks and crypto-assets.Read moreQorus
Vivid has unveiled a groundbreaking business travel management tool, making it the first financial platform to seamlessly integrate travel services within its finance app.Read moreFintech Finance News
Vivid Hits 50,000 SME Customers and Sets New Record in Customer Growth, just 16 months after launching its business offering.Read more
Rated with the highest score “Sehr gut” by Handelsblatt, Germany’s no.1 business and financial journal
Our awards
Top Mobile Banking 2026
Handelsblatt
Industry Leader 2026
F.A.Z. Institut
Best SME Service Provider 2026
WirtschaftsWoche
German Service Award 2026
DISQ Institut
Best Business Account 2026
Für Gründer
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 SA 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.