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Who we are

About Vivid Money

Vivid combines the worlds of financial services and investing in one single mobile app. We believe dealing with finances should be easy and accessible for everyone. We are on the way to making it real for everyone in Europe.

Your financial life, our mission

We believe everyone should have access to financial success

For too long, investing was seen as something only the rich could afford. The rest of us had to sit by and watch our hard-earned money get eaten up by fees. We’re saying: enough.

We believe everyone should be allowed to grow their money. That means low- and no-fee financial services. That means accessible investing services. That means financial education is simple, accessible language

Germany-based. Europe-wide

Since our launch in June 2020, we’ve grown from one tiny office in Berlin’s Neukölln neighbourhood to a company of more than 200 people. Our headquarters are in Germany, but we work wherever there's wi-fi.

A team of proven experts

Today, our team consists of more than 30 nationalities. Together we make easy management of your current accounts and investing accessible to everyone through our app. Whether you're our customer or colleague, you'll always be a priority.

Alexander Kotov

Group Chief Operating Officer

Alex started his career working for Tinkoff Bank, where he was involved in various products ranging from virtual prepaid cards to consumer loans and SME banking.

He joined Vivid from the very beginning with the major focus to launch a competitive banking offering, localized for the European markets. Furthermore Alex is heading multiple business lines at the moment, which includes to development of products for revenue generation, product enablement and building product operations.

Joerg Geiben

Group General Counsel

Joerg has been working for many years in international law firms in New York, London and Frankfurt. Prior to Vivid, he was Managing Director at German banks in the investment banking and asset management fields for more than 12 years. At Vivid, Joerg heads the legal department, serving the company and the customers.

Evgeniya Ignatenko

Growth product manager

Evgeniya has been working at Vivid from the very beginning when it was only a small team of less than 30 people. Before Vivid she worked at Tinkoff and headed the system analysts department. She participated in big projects there like Tinkoff Invest, Tinkoff Mobile and Mortgage. At Vivid Money Evgeniya is leading the Crypto Product trying to make it the best offering with clear and very simple usage.

Esmond Berkhout

Chief Executive Officer of Vivid Business

Esmond brings over 25 years of experience in working in various roles within the financial industry to Vivid. In his career Esmond worked at ING, at the Dutch regulator AFM, as Director Compliance at merchant/private bank Van Lanschot Kempen and GarantiBank, as CEO of Europe's biggest online stock broker DEGIRO and as Vice-President at neo-bank bunq. At Vivid he focusses on further improving and expanding our investment proposition to increase the access to financial success for our customers.

Vik Dua

Chief Risk Officer

Vik is an accomplished leader with two decades of diverse global experience in management consulting, investment banking, insurance, mobility, cryptocurrency and fintechs. Some of the employers he has worked for are Deutsche Bank, ING, Uber, Bitpay, Remote.com. He has held board-level positions at multiple fintech companies and is a mentor for accelerator programs. Currently serving as the Executive Director at Vivid Money B.V.  and Group Chief Risk and Compliance Officer at Vivid Group, Vik brings a wealth of expertise in strategy, risk management and compliance. He holds an engineering degree and an MBA from the Rotterdam School of Management

Koen Kuperus

Head of Investment Operations

Koen has over 15 years of experience in the financial sector and he has a background in business economics and, before joining Vivid, gained experience within a major Dutch financial institution, some smaller investment firms and he also was involved in starting an online investment firm. In doing so he has build up extensive knowledge on asset management, online brokerage and custody services Within Vivid Money BV, Koen currently is responsible for running our mid-and back office operations, including transaction reporting and market abuse monitoring.

Antoine Montreuil

Head of Customer Care

Antoine has been working in Customer Care for 15 years now. After working for some years at N26, he joined Vivid at the very beginning of the project 4 years ago and helped building from scratch the entire CC department. As Head of Customer Care, Antoine is leading the different teams supporting our customers with their daily requests.

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

Innovator of the Year

European FinTech Awards

Future Digital Awards 2021

Juniper Research

Rising Star of the Year

European FinTech Awards

Startup of the Year

European FinTech Awards

Future Digital Awards 2020: Best Digital Card (Gold Winner)

Juniper Research

How it all started

The idea for Vivid Money came about in 2019. We saw a world where the rich were getting richer, and the poor were getting poorer. At the core of this problem, we saw the way people access their money. We wanted to change that.

It started as a small side project by our founders Artem and Alexander. It’s turned into a company with over 200 employees all over the world. We’ve come far, but we’re still at the start of our journey. With you, we want to keep growing and changing.

Press notes

Hear about us from news

Your privacy is our priority

All our services are provided by us—no third parties involved.

A trustworthy solution for your money

Accounts, cards and payments services are provided by Vivid Money SA, part of Vivid Money group, financial institution authorised and regulated by the Commission de Surveillance du Secteur Financier of Luxembourg.


Interest accounts are provided by Vivid Money B.V., part of Vivid Money group, an Investment Firm licensed by the Dutch Authority for Financial Markets (AFM).

Your funds are safeguarded

Your funds are stored in a separate account from our own cash flow, in line with all the applicable requirements. Read more details here.


The investments in the Interest Account are protected under the Dutch Investor Compensation Scheme up to €20,000. Please read the specific conditions that apply.

In partnership with

Our trusted investors

Ribbit Capital is a global investment organisation with one single, relentless mission: to change the world of finance.

Greenoaks Capital is a leading global internet investment firm based in San Francisco. Greenoaks Capital makes concentrated, long-term investments in technology-enabled businesses worldwide.

SoftBank Vision Fund is a subsidiary of Softbank Group that specialises in growth capital and social impact investments. It aims to invest in businesses and foundational platforms set to revolutionise and innovate tomorrow's world.