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entrepreneur or an established business owner, your focus should be on growing your business, not dealing with complex, outdated banking providers.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
El Economista
Vivid, present in Spain since 2021, has just launched a broker specifically for this group, allowing trading across multiple asset classes -stocks, ETFs, iBonds or, what amounts to the same thing, a specific type of fixed-income exchange-traded fund.Read moreBusiness Insider
Vivid announces the launch of the Spanish IBAN and debuts a special offer for companies and freelancers with 4% annual interest during the first month.Read moreEuropa Press
Vivid has announced the launch of the Spanish IBAN for its users in Spain. With this move, Vivid reinforces its commitment to providing a complete experience for companies and freelancers in Spain. In addition, as a launch campaign for its new offer, it provides up to 4% fixed annual interest for companies and freelancers.Read moreEl Español
Financial platform Vivid, focused on companies and entrepreneurs, has announced the launch of a local IBAN for its users in Spain.Read moreEl Confidencial
The European financial platform Vivid Money is making a strong entrance into Spain’s savings market. The German neobank launched its new ’Vivid Business’ offer for businesses and freelancers on Wednesday, providing an account with up to 5% annual interest for the first two months, and up to 3.5% thereafter. This benefit is also available to retail customers.Read moreCinco Días
Vivid has announced the launch of an account paying 5% annual interest aimed at freelancers and companies. It is a financial platform with 500,000 users across Europe.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.