Updated October 14, 2026 · VaultCue Editorial Team
ubank vs Vivid Money
ubank
Vivid Money
Higher score in this comparison
ubank vs Vivid Money: the differences
| Compare | ubankReviewSee alternativesSee alternatives | Vivid MoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | Not confirmed | 3% |
| Rate type | Not confirmed | Fixed |
| Minimum deposit | Not confirmed | €0.010 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | Instant access |
| Monthly fee | Not confirmed | €0 |
| 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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Our verdict on each
ubank
Ubank lists goal-oriented savings, Autosave, savings accounts and Shared Save accounts.
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 | ubank | Vivid Money |
|---|---|---|
| Cost | Not confirmed | 9.2Conversion priced at 0.25% keeps cross currency spend modest versus broader market levels |
| Offer | Not confirmed | 9.1Interest 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 | ubank | Vivid Money |
|---|---|---|
| Savings accounts | 1317 of 1420 | 496 of 1420 |
Every fact side by side
| Fact | ubank | Vivid Money |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee |
| Legal entity | National Australia Bank | Vivid Money B.V. |
| Headquarters | Australia | Netherlands |
| Founded | 2008Lower | 2019 |
| Support channels | Not confirmed | Chat, Help centre |
Everyday accounts
| Fact | ubank | Vivid Money |
|---|---|---|
| Currency conversion fee | Not confirmed | 0.25% |
| Currencies | Not confirmed | 22 |
| Features | Not confirmed | Digital only |
| Local account details | Not confirmed | IBAN |
| Transfer fee | Not confirmed | Free |
Where each stands against the rest
| Fact | ubank | Vivid Money | Median |
|---|---|---|---|
| Headline rate | Not confirmed | 3%below the median | 3.25% |
| Minimum deposit | Not confirmed | €0.010below the median | €1 |
| Monthly fee | Not confirmed | €0at the median | €0 |
Median across 658 listed accounts.
Pros and cons
ubank
Pros
- Ubank lists goal-oriented savings, Autosave, savings accounts and Shared Save accounts.
- The captured overview does not provide rates.
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
ubank
Who it suits
- Australia Ubank customers choosing goal-based, automatic or shared savings tools
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 | ubank | Vivid Money |
|---|---|---|
| Australia | Yes | No |
Questions about each
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.
Is money held with Vivid Money protected+
Balances fall under EU DGS up to EUR 100,000 for eligible funds. Supervision connects to Commission de Surveillance du Secteur Financier (CSSF) under licence W00000015, alongside oversight from Dutch Authority for Financial Markets (AFM).
How does the interest pocket work+
The interest pocket pays 3% and opens from €0.01, so entry stays accessible for smaller savers. Access is listed as Instant access, which suits funds you may need to move at short notice.
Other options to compare
Other matchups
Related by the facts
ubank
Vivid Money