Updated September 29, 2026 · VaultCue Editorial Team
Daviplata vs Vivid Money
Daviplata
Higher score in this comparison
Vivid Money
Daviplata vs Vivid Money: the differences
| Compare | DaviplataReviewSee alternativesSee alternatives | Vivid MoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | COP 0 | €0 |
| Currency conversion fee | 0%Lower | 0.25% |
| Currencies | 2 | 22Higher |
| Transfer fee | COP 0 for consumer transfers; up to COP 3,170 + IVA per transfer for business transfers via Portal Empresarial and Pyme | Free |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | COP 0 | Not confirmed |
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Key differences
- Daviplata scores higher overall: 9.1 vs 8.8.
- Currency conversion fee is lower at Daviplata: 0% vs 0.25%.
- Currencies is higher at Vivid Money: 22 vs 2.
- Support channels: only Vivid Money offers Chat.
- Features: only Daviplata offers Free ATM.
Our verdict on each
Daviplata
Daviplata suits expats and small businesses in Colombia who want one app for everyday banking and remittances, with a monthly fee of COP 0 and a currency conversion fee of 0%. Transfers land immediate, within minutes, and money comes out to a bank account, cash pickup or wallet.
Vivid Money
Vivid Money suits people who want everyday spending plus savings in the same app without monthly upkeep, with the standard plan priced at €0 a month. Cash stays within instant access pockets that suit flexible savers who also move money across currencies for travel or daily life abroad.
Score breakdown
| Area | Daviplata | Vivid Money |
|---|---|---|
| Cost | 9.6HigherLow cost: COP 0 monthly, 0% currency conversion fee, COP 0 on a consumer transfer. | 9.2Conversion priced at 0.25% keeps cross currency spend modest versus broader market levels |
| Offer | 8.3 | 9.1HigherInterest pocket pays 3% on instant access balances with low entry threshold |
| Trust | Not confirmed | 8.3Eligible balances covered by EU DGS up to EUR 100,000 with licensed EU supervision |
Spending 1,000 abroad
Daviplata
0
0% of 1,000
Vivid Money
2.5
0.25% of 1,000
Daviplata comes out 2.5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
Sources behind this comparison
Daviplata
- daviplata.com: 11 facts, checked September 26, 2026
Vivid Money
- vivid.money: 10 facts, checked September 29, 2026
- esma.europa.eu: 2 facts, checked September 28, 2026
How they place
| Ranking | Daviplata | Vivid Money |
|---|---|---|
| Online banks | 71 of 402 | 155 of 402 |
Every fact side by side
| Fact | Daviplata | Vivid Money |
|---|---|---|
| Audience | Expats, Business | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only, Free ATMCovers more | Digital only |
| Legal entity | Banco Davivienda S.A. | Vivid Money B.V. |
| Headquarters | Colombia | Netherlands |
| Founded | Not confirmed | 2019 |
| Support channels | Help centre | Chat, Help centreCovers more |
Money transfer
| Fact | Daviplata | Vivid Money |
|---|---|---|
| Delivery time | immediate, within minutes | Not confirmed |
| Payout methods | Bank, Cash pickup, Wallet | Not confirmed |
| Fee to send 1,000 | COP 0 | Not confirmed |
Savings
| Fact | Daviplata | Vivid Money |
|---|---|---|
| Headline rate | Not confirmed | 3% |
| Rate type | Not confirmed | Fixed |
| Minimum deposit | Not confirmed | €0.010 |
| Access terms | Not confirmed | Instant access |
| Account kind | Not confirmed | Easy access |
| Regulators | Not confirmed | Commission de Surveillance du Secteur Financier (CSSF), Dutch Authority for Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM) |
Where each stands against the rest
| Fact | Daviplata | Vivid Money | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0.25%below the median | 0.5% |
| Currencies | 2lowest quarter | 22highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Daviplata
Pros
- The monthly fee is COP 0, and consumer transfers cost nothing.
- A currency conversion fee of 0%, the lowest of the 312 brands compared.
- Remittances arrive immediate, within minutes, and payouts reach a bank account, cash pickup or wallet.
Cons
- Support runs on help centre only.
- Only 2 currencies are covered, so anyone trading in more may look at Skrill or Plazo ES.
- Business transfers through Portal Empresarial and Pyme carry a fee per transfer plus IVA, unlike consumer transfers at COP 0.
Vivid Money
Pros
- Transfers cost free, which keeps routine euro moves easy to budget
- Supports 22 currencies and issues IBAN for getting paid across borders
- Savings start from €0.01 with withdrawals under Instant access for flexible access
Cons
- Support runs on chat and help centre only, so callers must use chat or articles
- Account is digital only through digital only, with no branch option for cash service
Who each suits
Daviplata
Who it suits
- Expats in Colombia who want a local account and a remittance wallet in the same app.
- Small businesses that pay and receive through consumer and business transfer routes.
- Readers who want free ATM access and no monthly charge, since the account fee is COP 0.
Who should look elsewhere
- Plazo ES, if you are paid in euros: its monthly fee is €0, and the 2 currencies Daviplata holds may not match your income.
- PayPal Colombia, if a wallet is enough: its monthly fee is $0, while Daviplata adds a bank account and free ATM withdrawals.
- Skrill, if you hold more currencies than the 2 Daviplata covers; its monthly fee is €0, so currency range is the only reason to move.
Vivid Money
Who it suits
- Travellers and expats holding balances across currencies
- Flexible savers wanting instant access pockets in the same app
- App led users happy with chat based service
Who should look elsewhere
- Consider bunq if conversion cost matters most and you want to compare against 3%
- Consider Bit2Me if crypto linked services matter and you want to compare against 0.95%
- Consider eToro if trading features matter and you want to compare upkeep against £0
Country by country
| Country | Daviplata | Vivid Money |
|---|---|---|
| Colombia | Yes | No |
Questions about each
Daviplata
What does it cost to keep a Daviplata account?+
The monthly fee is COP 0, so keeping the account open costs nothing. Consumer transfers are free on the same schedule. Charges appear on the business side: transfers made through Portal Empresarial and Pyme carry a fee per transfer plus IVA, which is the line to read if you pay suppliers through the app.
Does Daviplata charge for currency conversion?+
The currency conversion fee is 0%, the lowest of the 312 brands compared on that measure. It matters most for expats who receive or hold money in another currency. The account covers 2 currencies, so pairs outside that list need another route.
Vivid Money
What does Vivid Money charge for the account+
The standard plan is priced at €0 a month, which keeps upkeep predictable for everyday use. Transfers are listed at free, while currency conversion is listed at 0.25% for cross currency moves.
How many currencies can you hold+
Vivid Money supports 22 currencies, which helps if you hold balances for travel or pay across borders. Local euro details come through IBAN, making it easier to receive salary or transfers within the region.
Other options to compare
Other matchups
Related by the facts
Daviplata
Vivid Money