Vivid Plus review
Updated October 14, 2026 · VaultCue Editorial Team
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 Plus is a personal account plan, distinct from Vivid Business. The help article lists up to six Pockets with separate SEPA-compatible IBANs, a first virtual or physical card, and card personalization. Eligibility and supported residency depend on onboarding terms.
Key facts
- Best for
- Personal-account customers comparing Vivid Plus Pocket and card features.
- Monthly fee
- €6.90↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currency conversion fee
- 0.25%↗
- Currencies
- 4↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- €500↗
- Transfer fee
- Free for SEPA transfers↗
- Legal entity
- Vivid Money S.A.↗
- Headquarters
- Luxembourg↗
- Founded
- 2019↗
- Support channels
- Chat, Email, Help-centre↗
- Audience
- Business, Freelancers, Travelers
- Pricing model
- Low FX fees
- Features
- Free ATM withdrawals, Joint account
- Official website
- vivid.money
Savings
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
- WikidataLinkedInXTrustpilot
Pros and cons
Pros
- The article lists up to six Pockets with separate SEPA-compatible IBANs.
- It describes a first virtual or physical card and card-design personalization.
Cons
- This is the personal Plus plan; account eligibility and supported residency depend on onboarding terms.
Who it suits
- Individuals reviewing Vivid Plus account features and onboarding conditions.
Pockets and IBANs
The Plus help article includes up to six Pockets with separate IBANs compatible with SEPA.
Card features
The article describes issuance of a first virtual or physical card and card personalization.
How Vivid Plus compares
8.6 vs 8.7
8.6 vs 8.6
8.6 vs 8.0
8.6 vs 8.9
8.6 vs 9.1
8.6 vs 9.2
8.6 vs 8.7
8.6 vs 8.7
8.6 vs 8.7
8.6 vs 9.0
8.6 vs 8.7
8.6 vs 9.5
8.6 vs 9.4
8.6 vs 9.3
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 9.1
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 8.9
8.6 vs 8.9- 8.6 vs 8.9
8.6 vs 8.7
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.4
8.6 vs 8.3
8.6 vs 8.2
8.6 vs 8.1- 8.6 vs 8.1
8.6 vs 8.0
8.6 vs 8.0
8.6 vs 8.0
8.6 vs 9.1
Where Vivid Plus is available
- Licence in Luxembourg
- Commission de Surveillance du Secteur Financier (CSSF) (W00000015), checked September 26, 2026
- Licence in France
- Banque de France (FR47937945327), checked September 26, 2026
- Licence in Italy
- Bank of Italy (368936), checked September 26, 2026
- Licence in Spain
- Bank of Spain (6731), checked September 26, 2026
- Licence in Netherlands
- De Nederlandsche Bank (DNB) (R199916), checked September 26, 2026
- Licence in Netherlands
- Dutch Authority for Financial Markets (AFM), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Does Vivid Plus charge a monthly fee?+
The monthly fee at Vivid Plus is €6.90. (Source, checked September 26, 2026)
What currency conversion fee does Vivid Plus charge?+
The currency conversion fee at Vivid Plus is 0.25%. (Source, checked September 26, 2026)
Which company operates Vivid Plus?+
Vivid Plus is operated by Vivid Money S.A.. (Source, checked September 26, 2026)
Where is Vivid Plus based?+
Vivid Plus is based in Luxembourg. (Source, checked September 26, 2026)
When was Vivid Plus founded?+
Vivid Plus was founded in 2019. (Source, checked September 26, 2026)
How can I contact Vivid Plus support?+
Vivid Plus offers support through Chat, Email, Help-centre. (Source, checked September 26, 2026)
Sources
- edesk.apps.cssf.lu/search-entities/entite/details/881479 checked September 26, 2026
Backs: Deposit protection, Licences
- support.vivid.money/en/articles/8646226-how-can-i-withdra... checked September 26, 2026
Backs: Free ATM withdrawals, Features
“Monthly limits: €1000 per month for Vivid Prime, €500 per month for Vivid Plus, €200 per month for Vivid Standard”
- support.vivid.money/en/articles/9736471-what-are-the-diff... checked September 26, 2026
Backs: Legal entity
“Vivid Money S.A., an Electronic Money Institution incorporated and authorized in Luxembourg, provides the electronic money accounts available via the Vivid Money App, issues payment cards to you”
- vivid.money/en-eu checked September 26, 2026
Backs: Founded
“foundingDate: 2019 (Organization JSON-LD, Vivid Money GmbH)”
- vivid.money/en-eu/business/account/foreign-currency checked September 26, 2026
Backs: Audience, Currencies
“The account suits personal and business customers who receive payments, manage money or operate internationally”
- vivid.money/en-eu/imprint checked September 26, 2026
Backs: Headquarters, Support channels
“Vivid Money S.A. is included in the CSSF's Register of Electronic Money Institutions under number W00000015 ... Address: 21 Rue Glesener, L-1631, Luxembourg”
- vivid.money/en-eu/personal checked September 26, 2026
Backs: Delivery time, Transfer fee
“Unlimited SEPA transfers across the EU. Free. Instant. Limitless.”
- vivid.money/en-eu/personal/interest-rate-pocket checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit
“Instant access to your cash* Transfer in one click to your card and instantly use for purchases ... Don't freeze your money with old-fashioned fixed term saving products.”
- vivid.money/en-eu/personal/plans checked September 26, 2026
Backs: Currency conversion fee, Exchange rate markup, Headline rate, Local account details, Pricing model, Monthly fee, Payout methods, Rate type, Fee to send 1,000
“FX mark-up 0.25%”
Compiled from 10 source pages, checked October 14, 2026. We did not open an account.
Not confirmed yet: Licence type.
Related by the facts
Guides
Vivid Plus
Personal-account customers comparing Vivid Plus Pocket and card features.