Updated September 29, 2026 · VaultCue Editorial Team
Imagin vs Vivid Money
Imagin
Vivid Money
Higher score in this comparison
What sets them apart
| Compare | ImaginReviewSee alternativesSee alternatives | Vivid MoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0% | 3%Higher |
| Rate type | Variable | Fixed |
| Minimum deposit | €20 | €0.010Lower |
| Access terms | Savings withdrawable at any time, in part or in full; Huchas is a sight current account with operational limitations, and an open imaginBank account is required to contract it | Instant access |
| Regulators | Not confirmed | Commission de Surveillance du Secteur Financier (CSSF), Dutch Authority for Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM) |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0), Account kind (Easy access).
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Key differences
- Vivid Money scores higher overall: 8.8 vs 8.6.
- Vivid Money is licensed in 1 more country.
- Minimum deposit is lower at Vivid Money: €0.010 vs €20.
- Headline rate is higher at Vivid Money: 3% vs 0%.
Our verdict on each
Imagin
Imagin suits expats and travelers in Spain who want free everyday banking with money parked in an easy-access pot. The appeal is the fee-free running of the account, offset by a 0% headline rate that sits near the bottom of the savings field.
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 | Imagin | Vivid Money |
|---|---|---|
| Cost | 8.8Monthly fee of €0, free SEPA transfers and a currency conversion fee of 0%, so running costs sit at the floor of €0. | 9.2HigherConversion priced at 0.25% keeps cross currency spend modest versus broader market levels |
| Offer | 8.3The 0% headline on an easy access account ranks 458 of 473, so little interest is on offer. | 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 |
How they place
| Ranking | Imagin | Vivid Money |
|---|---|---|
| Savings accounts | 555 of 1420 | 496 of 1420 |
| Online banks | 186 of 402 | 155 of 402 |
Also worth a look
eToro has headline rate at 3.8%, against 0% for Imagin and 3% for Vivid Money.
eToro reviewEvery fact side by side
| Fact | Imagin | Vivid Money |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | imaginersGen, S.A. | Vivid Money B.V. |
| Headquarters | Spain | Netherlands |
| Founded | Not confirmed | 2019 |
| Support channels | Chat, Help centre | Chat, Help centre |
Everyday accounts
| Fact | Imagin | Vivid Money |
|---|---|---|
| Currency conversion fee | 0%Lower | 0.25% |
| Currencies | Not confirmed | 22 |
| Audience | Expats, Travelers | Not confirmed |
| Features | Free ATM, Joint account, Digital onlyCovers more | Digital only |
| Local account details | IBAN | IBAN |
| Transfer fee | Free SEPA transfers (0 EUR) | Free |
Where each stands against the rest
| Fact | Imagin | Vivid Money | Median |
|---|---|---|---|
| Headline rate | 0%lowest quarter | 3%below the median | 3.25% |
| Minimum deposit | €20above the median | €0.010below the median | €1 |
| Monthly fee | €0at the median | €0at the median | €0 |
Median across 658 listed accounts.
Pros and cons
Imagin
Pros
- Monthly fee of €0 on the savings account, matching a site median of €0
- Free SEPA transfers (0 EUR) and a currency conversion fee of 0% on the travel card
- EU DGS up to EUR 100,000 under the EU scheme
Cons
- A 0% headline rate that ranks 458 of 473
- variable rate, so the return on savings can move
- Support runs on chat and help centre only
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
Imagin
Who it suits
- Expats and travelers holding euros in Spain
- Anyone who wants a no-fee current account with a small savings pot
- People who want the free-atm, joint-account, digital-only feature set
Who should look elsewhere
- Savings hunters who want a competitive return, where AXI Card Tarjeta y Credito and Plazo ES pay more
- People who need phone support, since help runs on chat and help centre
- Anyone wanting a standalone savings account, as an open imaginBank account is required
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
Current offers
Imagin
Current offer
Bonus
Get up to EUR 750 for joining imagin (salary domiciliation): Up to EUR 250: EUR 250 if salary from EUR 1,500 or more; EUR 150 if salary between EUR 900 and EUR 1,499.99
Salary must be direct-debited within the first 4 months of becoming a customer and the account kept open for at least 48 months; not valid if the customer already used a salary/pension/sole-trader domiciliation offer since 1 January 2022 or if the salary comes from another CaixaBank account; valid throughout the Spanish territory
Source, checked September 26, 2026
Country by country
| Country | Imagin | Vivid Money |
|---|---|---|
| Spain | Yes | No |
Questions about each
Imagin
What interest does the Imagin savings account pay?+
The headline rate is 0% and the rate type is variable. That places it 458 across 473 brands ranked on headline rate, so the balance is there for convenience rather than growth.
Is my money protected at Imagin?+
Deposits are covered under EU DGS up to EUR 100,000, the EU guarantee scheme. The provider is listed with Banco de España under licence 2100, so the balance sits inside a supervised scheme in Spain.
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
Imagin
Vivid Money