Updated October 13, 2026 · VaultCue Editorial Team
Kaspi.kz vs Vivid Money
Kaspi.kz
Vivid Money
Higher score in this comparison
Kaspi.kz vs Vivid Money: the differences
| Compare | Kaspi.kzReviewSee alternativesSee alternatives | Vivid MoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | KZT 0 | €0 |
| Transfer fee | Free to other Kaspi clients | Free |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currency conversion fee | Not confirmed | 0.25% |
| Currencies | Not confirmed | 22 |
| Local account details | Not confirmed | IBAN |
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Key differences
- Founded is lower at Kaspi.kz: 2002 vs 2019.
- Vivid Money is licensed in 1 more country.
- Support channels: only Kaspi.kz offers Phone.
- Features: only Kaspi.kz offers Free ATM.
Our verdict on each
Kaspi.kz
Kaspi.kz stands apart from counter based everyday accounts by centring everyday money around a mobile app with QR transfers. It is an easy-access account option for people who want phone based management and straightforward person to person payments for daily use.
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 | Kaspi.kz | Vivid Money |
|---|---|---|
| Cost | Not confirmed | 9.2Conversion priced at 0.25% keeps cross currency spend modest versus broader market levels |
| Offer | 9.2Higher | 9.1Interest pocket pays 3% on instant access balances with low entry threshold |
| Trust | 9.0Higher | 8.3Eligible balances covered by EU DGS up to EUR 100,000 with licensed EU supervision |
How they place
| Ranking | Kaspi.kz | Vivid Money |
|---|---|---|
| Savings accounts | 1032 of 1420 | 496 of 1420 |
| Online banks | 283 of 402 | 155 of 402 |
Every fact side by side
| Fact | Kaspi.kz | Vivid Money |
|---|---|---|
| Audience | Teen, Business | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Digital onlyCovers more | Digital only |
| Legal entity | Kaspi Bank JSC | Vivid Money B.V. |
| Headquarters | Kazakhstan | Netherlands |
| Founded | 2002Lower | 2019 |
| Support channels | Phone, Chat, Help centreCovers more | Chat, Help centre |
Savings
| Fact | Kaspi.kz | Vivid Money |
|---|---|---|
| Headline rate | 15%Higher | 3% |
| Rate type | Variable | Fixed |
| Minimum deposit | KZT 1,000 | €0.010 |
| Access terms | Top up any amount at any time; partial withdrawal any time without loss of interest | Instant access |
| Account kind | Easy access | 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) |
Money transfer
| Fact | Kaspi.kz | Vivid Money |
|---|---|---|
| Delivery time | Instant for P2P transfers via the mobile app and QR | Not confirmed |
| Payout methods | Bank, Card, Wallet | Not confirmed |
| Fee to send 1,000 | KZT 0 | Not confirmed |
Where each stands against the rest
| Fact | Kaspi.kz | Vivid Money | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0.25%below the median | 0.5% |
| Currencies | Not confirmed | 22highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Kaspi.kz
Pros
- Easy-access structure that keeps everyday money ready for daily spending needs
- Mobile app centred access with QR route for person to person transfers
- Instant handling of person to person transfers for everyday payment moments
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
Kaspi.kz
Who it suits
- People who prefer app based account management
- People who make frequent person to person payments
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 | Kaspi.kz | Vivid Money |
|---|---|---|
| Kazakhstan | Yes | No |
Questions about each
Kaspi.kz
What kind of account does Kaspi.kz provide?+
Kaspi.kz provides an easy-access everyday account that you manage through a mobile app. You can use it for daily money and person to person transfers with a QR option. Check how access and daily use fit your routine before you choose.
Who might consider this account?+
People who like managing money by phone may consider this option. It suits daily spending and sending money to other people through the app. Consider whether app based management matches how you handle money each day.
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
Kaspi.kz
Vivid Money