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Vivid Money review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Vivid Money suits businesses, freelancers and travellers who want a single account for several currencies and easy access to cash. Interest of 1% to 3% on uninvested cash is modest, and the recurring monthly charge puts it among the costlier easy-access options on this list.

Key facts

Best for
Businesses and freelancers holding and spending in several currencies across the EU.
Headline rate
1% to 3%↗
Rate type
Fixed↗
Minimum deposit
€0.010↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Instant access to uninvested cash 24/7, no minimum balance, no fixed term↗
Monthly fee
€6.90↗
Account kind
Easy access↗
Legal entity
Vivid Money B.V.↗
Headquarters
Netherlands↗
Founded
2019↗
Support channels
Email, Help-centre↗
Pricing model
Fixed rate
Official website
vivid.money

Everyday accounts

Currency conversion fee
0.25%↗
Currencies
4↗
Local account details
IBAN↗
Free ATM withdrawals
€500↗
Transfer fee
Free for SEPA transfers↗
Audience
Business, Freelancers, Travelers
Features
Free ATM withdrawals, Joint account

Money transfer

Exchange rate markup
0.25%↗
Delivery time
Instant (SEPA Instant, within the EU)↗
Payout methods
Bank, Card↗
Fee to send 1,000
€0↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilotfacebook.com

Pros and cons

Pros

  • Balances carry deposit protection of EU DGS up to EUR 100,000 under the EU guarantee scheme
  • A €0.01 entry point and a easy access account with no fixed term
  • Currency conversion charges of 0.25% with 0.25% markup, below a site median of 0.9%
  • Free cash withdrawals up to €500, plus joint accounts as a listed feature

Cons

  • Monthly fees of €6.90 on the plan, against a site median of €0
  • Support runs on email and help centre only, so there is no phone line for urgent questions
  • The interest rate of 1% to 3% on easy access cash sits below a site median of 3%
Vivid Money

Ready to try Vivid Money?

Scored 8.3 / 10 by VaultCue.

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Who it suits

  • Freelancers and sole traders paid in more than a single currency
  • Businesses that keep euro cash across several markets and pay suppliers in each
  • Travellers moving euro cash without a branch visit, plus joint account holders

Who should look elsewhere

  • AXI Card Tarjeta y Credito, where the headline rate of 21.59% suits a credit product
  • PayPal Colombia, if a single market and a plain wallet suit you better than multiple currencies
  • Plazo ES, which pairs a headline rate of 24.19% with a different lending focus

Deposit protection

Balances sit under the EU deposit guarantee scheme, with EU DGS up to EUR 100,000. The group is supervised across several European markets: the Commission de Surveillance du Secteur Financier in Luxembourg, listed as W00000015, De Nederlandsche Bank in the Netherlands, listed as R199916, the Bank of Italy branch as 368936 and the Bank of Spain branch as 6731. The Netherlands registration for crypto services is MiCA CASP 7245009PWS7YLG3JPF78.

Rates and card terms

The interest rate is 1% to 3% and the rate type is fixed. That rate applies to uninvested cash, which stays reachable at any time with no minimum balance and no fixed term, so money is liquid while it earns. The account kind is easy access and interest is paid on the pocket balance rather than on an invested portfolio.

How Vivid Money compares

Where Vivid Money is available

Available
France, Italy, Luxembourg, Netherlands, Spain
Licence in Luxembourg
Commission de Surveillance du Secteur Financier (CSSF), Luxembourg (W00000015), checked September 26, 2026
Licence in Netherlands
Dutch Authority for Financial Markets (AFM), checked September 26, 2026
Licence in Italy
Bank of Italy (Vivid Money S.A., Italian Branch) (368936), checked September 26, 2026
Licence in Spain
Bank of Spain (Vivid Money S.A., Sucursal en Espana) (6731), checked September 26, 2026
Licence in Netherlands
DeNederlandsche Bank (Vivid Money S.A., Netherlands Branch) (R199916), checked September 26, 2026
Licence in France
Banque de France (Vivid Money S.A., French branch), checked September 26, 2026
Licence in Netherlands
Netherlands Authority for the Financial Markets (AFM) (MiCA CASP 7245009PWS7YLG3JPF78), checked September 26, 2026, also valid in Netherlands, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Vivid Money cost each month?+

The plan carries monthly fees of €6.90, and that recurring charge is the main cost to weigh against the 1% to 3% paid on uninvested cash. SEPA transfers themselves cost €0, so regular payments within the single currency area add nothing further.

How is my money protected?+

Deposits are covered by the EU deposit guarantee scheme, with EU DGS up to EUR 100,000. Supervision sits with several European regulators, including the Commission de Surveillance du Secteur Financier in Luxembourg, W00000015, and De Nederlandsche Bank in the Netherlands, R199916.

How much cash can I withdraw without a charge?+

Cash withdrawals are free up to €500. Free cash withdrawals apply inside that limit, and the balance keeps paying 1% to 3% on uninvested cash in the meantime, with instant access and no fixed term. Payouts also go to a bank account or a card.

Which currencies can I hold?+

The account covers 4 currencies and is aimed at business, freelancer and travelers. Conversion costs 0.25% with 0.25% of markup on the exchange rate, which matters more than interest if you move money often.

How fast are transfers out?+

Delivery is Instant (SEPA Instant, within the EU). Transfers inside the EU run on SEPA Instant, and SEPA transfers cost €0. You get a local IBAN and can pay out to a bank account or a card.

What is the interest rate and can I reach the money?+

The rate is 1% to 3% and the rate type is fixed. It is paid on uninvested cash with instant access, no minimum balance and no fixed term, so this is an easy access account rather than a fixed-term product.

How do I get help?+

Support runs on email and help centre, so help arrives by email or through the help centre rather than by phone. The group is headquartered in the Netherlands as Vivid Money B.V. and was founded in 2019.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

Vivid Money

Vivid Money

Businesses and freelancers holding and spending in several currencies across the EU.

8.3/10See alternatives