interest on your money

Get a fixed 5% p.a. interest rate on your EUR funds. Interest is paid every business day. Add and withdraw money instantly 24/7.The 5% p.a. rate is applicable for the first two months after successful registration with any plan; thereafter, the rate depends on your chosen plan.

AWARD-WINNING MOBILE BANKING 2024

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 Money Pockets and start using them for free. Or extend them up to 15 with Vivid Prime and save money for personal goals and upcoming travels.

€2000.00

Money Pocket

€11,900.00

Savings Pocket

€789.00

Interest Rate Pocket

• 5% rate

€147.00

Vacation

Pay instantly without fees

Unlimited SEPA transfers across the EU. Free. Instant. Limitless.

Drag-n-drop money between Pockets. Super easy! As much and as often as you want. For free.

One card for all of your accounts. Easily link your card to any Pocket and pay

Choose any card you like. For free

Issue the card that suits your needs, seamlessly add it into your Apple or Google Wallet, and start using it right away.

Rewards up to 4% on everyday card purchases

Earn cashback on the purchases that matter to you

Get up to 4% cashback and earn up to €100 per month with Prime and up to €20 per month with Standard plan.

Up to 25% cashback
Up to €40 with Super Deals

Invite friends and boost your cashback with Super Deals and other exciting initiatives.

More details

Open your account online in just a few minutes

Sign up for an account on the mobile app

Download the Vivid Money app and provide basic information about yourself.


Verify your identity, no video calls

It's fully online, so you can do it whenever you're ready.


Get your account ready to use

Top up your account instantly, issue a card and start using right away, start earning interest, share Pockets with your family and much more!


Save up to €140 per month with Vivid Prime. 1 month for free!

All newcomers get 1 month of Vivid Prime for free! Save up to €140 a month in fees and earn cashback with Vivid Prime. After your free 1-month trial, you can choose the right plan for you. Whether you choose Vivid Prime or Vivid Standard, you'll keep your card.

Save up to €140 per month with Vivid Prime. 1 month for free!

Vivid Standard
€0/month for active customers¹, otherwise €3.90 account management fee is applied.
Vivid Prime
1 month for free, €9.90/month after. We won’t charge you without your consent
prime offer
Save on personal account
Pocket accounts with separate SEPA-eligible IBAN
Up to 3
Up to 15
First extra-secure card for free
✔︎
✔︎
EARN MONEY ON YOUR SPENDING WITH CASHBACKTo be eligible for the cashback for the next 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 €100
Cashback on popular personalised brands
✔︎
Cashback categories
Up to 3
Up to 4
EASY-ACCESS CRYPTO INVESTING—COMING SOON
Trades
1.49% per trade, minimum €0.79
Unlimited free trades
INVEST IN REAL SHARES
Real-time market data
Free
Free
Custody fee
Free
Free
Deposits and withdrawals via instant transfers from your current account
Free
Free
Instant withdrawal towards your Vivid current account
Free
Free
Trading fee
€1 per trade
€1 per trade
FX mark-up for the 1st month since Invest Pocket opened
0.5%
0.25%
FX mark-up starting from the 2nd month, based on the last month turnover. Turnover is the value of all your buying and selling trades in Euro.
1.00% (default)
0.50% (turnover from €100)
0.25% (turnover from €500)
0.50% (default)
0.25% (turnover from €100)
0.20% (turnover from €1,000)
INTEREST RATE POCKET
CASH WITH FIXED INTEREST:
Interest rate
5% 2.0%
Promo for the first 2 months since opening the Interest Rate Pocket.
5% 4.0%
Promo for the first 2 months since opening the Interest Rate Pocket.
Minimum transaction amount
€0.01
€0.01
MONEY MARKET FUNDS:
Minimum transaction amount
€2
€2
Service feeYearly fee which is deducted daily from your total balance in Money Market Funds
1%
0.3%
FX mark-up
0.25%
0.25%
Trading fee
Free
Free
SAVE ON PAYMENTS & TRANSFERS
Fee-free payments globally
✔︎
✔︎
Fee-free money transfers
✔︎
✔︎
Fee-free direct debits—coming soon
✔︎
✔︎
Budgeting and spending forecast
✔︎
✔︎
KEEP YOUR MONEY SAFE
Free and secure contactless payments
✔︎
✔︎
Extra-secure card details
✔︎
✔︎
Free first virtual card for safe online shopping
✔︎
CARDS
Plastic or personalized cards
✔︎
✔︎
Metal card with express delivery
✔︎
Card issue
€19.90
€19.90
Virtual card issue
€1
1 card - free.
€1 for each additional card
Monthly maintenance fee for physical and/or virtual card
1 card - free
€0.99 for each additional card
€0
GET LIVE HELP
Сustomer support live chat
✔︎