Updated September 29, 2026 · VaultCue Editorial Team
SeaBank Indonesia vs Vivid Money
SeaBank Indonesia
Higher score in this comparison
Vivid Money
Where SeaBank Indonesia and Vivid Money differ
| Compare | SeaBank IndonesiaReviewSee alternativesSee alternatives | Vivid MoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 3.5%Higher | 3% |
| Rate type | Variable | Fixed |
| Access terms | Savings interest calculated and paid daily | Instant access |
| Monthly fee | IDR 0 | €0 |
| Minimum deposit | Not confirmed | €0.010 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| 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: Account kind (Easy access).
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Key differences
- SeaBank Indonesia scores higher overall: 8.9 vs 8.8.
- Headline rate is higher at SeaBank Indonesia: 3.5% vs 3%.
- Support channels: only Vivid Money offers Chat.
Our verdict on each
SeaBank Indonesia
SeaBank Indonesia suits business owners and students who want an easy-access savings account with a monthly fee of IDR 0 and free transfers within a monthly allowance. Its headline rate of 3.5% sits close to the savings account median, 3.08%, so the case rests on cost and access.
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 | SeaBank Indonesia | Vivid Money |
|---|---|---|
| Cost | 9.1No monthly charge: IDR 0, with transfers free within a monthly allowance at IDR 0. | 9.2HigherConversion priced at 0.25% keeps cross currency spend modest versus broader market levels |
| Offer | 8.6Easy-access balance with interest paid every day at a variable rate of 3.5%. | 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 |
Choosing between them
Pick SeaBank Indonesia if headline rate matter most.
Pick Vivid Money if offer matter most.
A third option
eToro has headline rate at 3.8%, against 3.5% for SeaBank Indonesia and 3% for Vivid Money.
eToro reviewHow they place
| Ranking | SeaBank Indonesia | Vivid Money |
|---|---|---|
| Savings accounts | 436 of 1420 | 496 of 1420 |
Every fact side by side
| Fact | SeaBank Indonesia | Vivid Money |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | PT Bank Seabank Indonesia | Vivid Money B.V. |
| Headquarters | Indonesia | Netherlands |
| Founded | Not confirmed | 2019 |
| Support channels | Help centre | Chat, Help centreCovers more |
Everyday accounts
| Fact | SeaBank Indonesia | Vivid Money |
|---|---|---|
| Currency conversion fee | Not confirmed | 0.25% |
| Currencies | Not confirmed | 22 |
| Audience | Business, Student | Not confirmed |
| Features | Not confirmed | Digital only |
| Local account details | Not confirmed | IBAN |
| Transfer fee | Free transfer up to 100 times per month | Free |
Money transfer
| Fact | SeaBank Indonesia | Vivid Money |
|---|---|---|
| Payout methods | Bank, Cash pickup, Wallet | Not confirmed |
| Fee to send 1,000 | IDR 0 | Not confirmed |
Where each stands against the rest
| Fact | SeaBank Indonesia | Vivid Money | Median |
|---|---|---|---|
| Headline rate | 3.5%above the median | 3%below the median | 3.25% |
| Minimum deposit | Not confirmed | €0.010below the median | €1 |
Median across 658 listed accounts.
Pros and cons
SeaBank Indonesia
Pros
- Interest is calculated and credited every day on an easy-access balance, so money earns without waiting on a cycle.
- Transfers are free within a monthly allowance, with the fee set at IDR 0.
- Payouts reach a bank account, cash pickup or a wallet: bank, cash pickup and wallet.
Cons
- The headline rate ranks 184 of 473 compared brands, so rate is not the reason to choose it.
- Support runs on help centre alone, so questions have no phone or live chat route listed.
- The rate is variable rather than fixed, so the 3.5% headline can move and returns are not locked in.
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
SeaBank Indonesia
Who it suits
- Indonesian business owners who want a plain savings balance for day to day cash, with the fee at IDR 0
- Students starting to save who want easy access and interest credited every day
- Anyone who takes payouts to a bank account, cash pickup or a wallet, as bank, cash pickup and wallet allows
Who should look elsewhere
- Plazo ES, which lists a headline rate of 24.19%, far above 3.5% here
- AXI Card, where 21.59% applies to a card offer rather than a savings balance
- PayPal Colombia, which reaches saving through a wallet at 3.3% instead of a bank savings account
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 | SeaBank Indonesia | Vivid Money |
|---|---|---|
| Indonesia | Yes | No |
Questions about each
SeaBank Indonesia
What does the account cost to run?+
The account carries a monthly fee of IDR 0, in line with the site median, €0. Transfers are free within a monthly allowance, and the transfer fee is set at IDR 0, so there is little to pay for everyday use.
How is interest paid on the balance?+
Interest is calculated and paid every day rather than at the end of a cycle. The account is easy-access, so money stays reachable while it earns, and the rate is variable at 3.5%. The savings account median, 3.08%, is close by.
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
SeaBank Indonesia
Vivid Money