Metal
Exclusive stainless steel design. Available with Vivid Prime.
→Interest on your money
Earn a 3% annual Interest rate for the first 2 months, then up to 2% with the Interest Rate Pocket, depending on your Plan. Interest is paid every business day. Add and withdraw money instantly 24/7. Your uninvested cash inside this Pocket is invested by us in Qualifying Money Market Funds, generating interest. Find more information here.
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 Pockets with our free Standard plan or up to 15 with our Prime plan. Split your money between Pockets to save towards an upcoming trip or any of your goals!
€2.000
Use different Pockets for your everyday spending, link cards to any of them
€3.550
Manage shared expenses with your family and friends
€1.789
• 3%Earn up to 3% annual interest and make your money work for you
€15.900
• 3%Save up money for personal goals, also with up to 3% annual interest
€1.500
Invest in US/EU stocks and ETFs
€950
Get access to 150+ coins
Grow your funds with Vivid
Start using Vivid's tools to invest in European and US stocks, as well as 300+ cryptocurrencies.
Investing always involves risks and your initial investment amount cannot be guaranteed.
You can find more information about Money Market Funds and the risks of investing in financial instruments here.
Invest in stocks & ETFs
- Stocks of popular companies
- Immediate cash withdrawal with no commission
- Instant price-alerts and personalised news
- Real-time market data with real-time prices from the world’s biggest stock exchanges
Invest in crypto
- Only €1 and a Vivid account to start
- Choose from 300+ cryptocurrencies, including BTC, ETH, DOGE, SHIB, and more.
- Instant and free fiat top-ups
- Unlimited free trades with Prime
Pay instantly without fees
Unlimited SEPA transfers across the EU. Free. Instant. Limitless.
Drag-n-drop money between Pockets seamlessly. Move any amount as many time as you want.
Flexible payments. Link any card to any Pocket whenever you want and pay with it.
Choose the right card for you
Issue the card that suits your needs, easily add it into your Apple or Google Wallet, and start using it right away. First physical card is free with any plans.
Rewards up to 3% on everyday card purchases
Get up to 4% cashback and earn up to €100 per month with Vivid Prime and up to €20 per month with Vivid Standard.
Up to 25% cashback
Invite friends to boost your cashback with Super Deals and other exciting offers.
Open your account online in just a few minutes
Download the Vivid Money app and provide basic information about yourself.
Full online registration: do it whenever you're ready.
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. Get 1 month for free!
All our new customers get 1 month of Vivid Prime for free! Save money on fees and earn higher cashback up to €140 per month. After your free trial, simply 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 Plus
€6.90 / month
Vivid Prime
1 month for free, then from €7.90/month. We won’t charge you without your consent
Accounts & Payments
Instant transfers SEPA
✔︎
✔︎
✔︎
Access to shared Pockets
✔︎
✔︎
✔︎
Maximum amount of users in the Shared Pocket
Up to 5
Up to 5
Up to 5
Cards
Free first physical card
✔︎
✔︎
✔︎
Metal card available
✘
✘
✔︎
Interest rate
Cash with fixed interest
3% 0.1%
3% 1%
3% 2% ²
CashbackTo be eligible to receive cashback the following 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 €50
Up to €100
Cashback on popular personalised brands
✘
✔︎
✔︎
Cashback categories
Up to 2
Up to 3
Up to 4
Crypto
Trading fee
2.00% (default)
1.75% (turnover from €5k)
1.70% (turnover from €10k)
1.65% (turnover from €50k)
1.50% (turnover from €200k)
1.25% (turnover from €400k)
Minimum fee per trade: 1€ (not applicable for Crypto Swaps)
1% (default)
0.75% (turnover from €5k)
0.70% (turnover from €10k)
0.65% (turnover from €50k)
0.50% (turnover from €200k)
0.25% (turnover from €400k)
0.75% (default)
0.50% (turnover from €5k)
0.45% (turnover from €10k)
0.40% (turnover from €50k)
0.25% (turnover from €200k)
Free first €300k, then 0.25% (turnover from €400k)
Investments in Stocks & ETFs*
Trading fee
€1 per trade
€1 per trade
€1 per trade
FX mark-up for the 1st month after opening an Invest Pocket
0.5%
0.5%
0.25%
FX mark-up starting from the 2nd month, based on the previous month turnover. Turnover is the value of all your buying and selling trades in EUR.
1.00% (default)
0.50% (turnover from €100)
0.25% (turnover from €500)
0.70% (default)
0.25% (turnover from €100)
0.20% (turnover from €1000)
0.50% (default)
0.25% (turnover from €100)
0.20% (turnover from €1000)
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.