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Vivid Money review

Updated September 29, 2026 · VaultCue Editorial Team · Facts checked September 29, 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 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.

Key facts

Best for
Flexible savers and travellers wanting low cost euro banking
Monthly fee
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Currency conversion fee
0.25%↗
Currencies
22↗
Local account details
IBAN↗
Transfer fee
Free↗
Legal entity
Vivid Money B.V.↗
Headquarters
Netherlands↗
Founded
2019↗
Support channels
Chat, Help-centre↗
Pricing model
No monthly fee
Features
Digital-only
Official website
vivid.money

Savings

Headline rate
3%↗
Rate type
Fixed↗
Minimum deposit
€0.010↗
Access terms
Instant access↗
Account kind
Easy access↗
Regulators
Commission de Surveillance du Secteur Financier (CSSF), Dutch Authority for Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM)↗

Facts checked September 29, 2026, 8 sources

Apps and profiles

Elsewhere
WikidataLinkedInX

Pros and cons

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
Vivid Money

Ready to try Vivid Money?

Scored 8.8 / 10 by VaultCue.

See alternatives

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

How it compares on our data

On monthly pricing Vivid Money sits at 1 among 306 brands tracked, which places upkeep at the low end of the set. For conversion cost it sits at 88 among 198 brands tracked. For currency breadth it sits at 30 among 268 brands tracked.

Deposit protection

Balances fall under EU DGS up to EUR 100,000 for eligible deposits held with Vivid Money B.V. Supervision links to Commission de Surveillance du Secteur Financier (CSSF) under licence W00000015, alongside oversight from Dutch Authority for Financial Markets (AFM). Terms for cover depend on account structure, so you should check how funds are held before depositing larger sums.

How Vivid Money compares

Where Vivid Money is available

Licence in Luxembourg
Commission de Surveillance du Secteur Financier (CSSF) (W00000015), checked September 29, 2026
Licence in Netherlands
Dutch Authority for Financial Markets (AFM), checked September 29, 2026

Frequently asked questions

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.

How do you manage the account and get help+

Vivid Money operates as digital only through digital only, so you manage spending and savings in the app. Support runs through chat and help centre, with chat for direct help and articles for self service guidance on common tasks.

How do deposits and withdrawals work+

Vivid Money B.V. provides IBAN details through IBAN for receiving euro payments. Transfers out are listed at free, while access to savings is listed as Instant access, which keeps movement between spending and savings flexible.

Sources

Compiled from 8 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: Licence type.

Vivid Money

Vivid Money

Flexible savers and travellers wanting low cost euro banking

8.8/10See alternatives