Who we are
About Vivid Money
Vivid combines the worlds of banking 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 banking. 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 banking and investing accessible to everyone through our app. Whether you're our customer or colleague, you'll always be a priority.
Alexander Kotov
Head of Banking
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
Head of Product – Crypto
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 Compliance and Risk Officer
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.
Johanna Thielen
HR Business Partner Lead, EU
Johanna started her career in HR in 2016. Most recently, she was responsible for the full employee lifecycle including hiring, development and retaining employees at Amorelie. There, she implemented performance management cycles and automized HR administration.
At Vivid, Johanna oversees the full employee lifecycle of all European offices. This includes on- and offboarding, talent and performance management, employee satisfaction and retention as well as relocation programs. She works closely with all managers to develop company wide HR strategies.
Tom Smeele
Head of Corporate Development and Legal (Investments)
After graduating in law, finance and business administration, Tom started his career as a lawyer at the international law firm Clifford Chance. After more than five years of specialising in the areas of Fintech and M&As, with stops at Adyen and ING Bank, Tom joined Vivid. Tom joined Vivid in 2021 where he is responsible for corporate development and legal. His focus lies in the area of investment products with the goal to ensure a safe legal grounding for those kinds of products to make Vivid the best all-in-one personal finance solution for all involved stakeholders.
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 300 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 data is stored in highly secure data centers in Germany. We value your privacy and never sell your data to anyone
€100,000 Guarantee on all your deposits
Your money is protected under the German Deposit Guarantee Scheme (DGS).
Your investments are safeguarded
Your investments 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.
