Updated September 29, 2026 · VaultCue Editorial Team
Vivid Money vs Wise
Vivid Money
Higher score in this comparison
Wise
Where Vivid Money and Wise differ
| Compare | Vivid MoneyReviewSee alternativesSee alternatives | WiseReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | £0 |
| Currency conversion fee | 0.25% | 0.24%Lower |
| Currencies | 22 | 40Higher |
| Local account details | IBAN | IBAN, UK sort code, Us ACHCovers more |
| Transfer fee | Free | From 0.24%, varies by currency |
| Licence type | Not confirmed | Payment institution |
| Free ATM withdrawals | Not confirmed | £250 |
Same on both: Deposit protection (EU DGS up to EUR 100,000).
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Key differences
- Founded is lower at Wise: 2011 vs 2019.
- Wise is licensed in 1 more country.
- Currency conversion fee is lower at Wise: 0.24% vs 0.25%.
- Currencies is higher at Wise: 40 vs 22.
- Local account details: only Wise offers UK sort code, Us ACH.
- Support channels: only Vivid Money offers Chat.
- Features: only Vivid Money offers Digital only.
- Features: only Wise offers Free ATM.
Our verdict on each
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.
Wise
Wise runs as a cash management account rather than a savings product, so it suits expats and travellers who need many currencies and no monthly charge, not people chasing the top rate. It scores 5.2 here, with a variable rate of 3.29% and a monthly fee of £0.
Score breakdown
| Area | Vivid Money | Wise |
|---|---|---|
| Cost | 9.2HigherConversion priced at 0.25% keeps cross currency spend modest versus broader market levels | 9.1A monthly fee of £0, a conversion fee of 0.24% and an exchange rate markup of 0% keep running costs low. |
| Offer | 9.1HigherInterest pocket pays 3% on instant access balances with low entry threshold | 8.640 currencies, local details for iban, uk sort code and us ach and a variable rate of 3.29% on the balance. |
| Trust | 8.3Eligible balances covered by EU DGS up to EUR 100,000 with licensed EU supervision | 8.8Higher |
Which one suits you
Pick Vivid Money if offer matter most.
Pick Wise if trust, currency conversion fee, currencies, and local account details matter most.
Spending 1,000 abroad
Vivid Money
2.5
0.25% of 1,000
Wise
2.4
0.24% of 1,000
Wise comes out 0.1 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
Positions in our rankings
| Ranking | Vivid Money | Wise |
|---|---|---|
| Savings accounts | 496 of 1420 | 494 of 1420 |
| Multi-currency accounts | 206 of 348 | 205 of 348 |
Every fact side by side
| Fact | Vivid Money | Wise |
|---|---|---|
| Audience | Not confirmed | Expats, Travelers |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only | Free ATM |
| Legal entity | Vivid Money B.V. | Wise Europe SA |
| Headquarters | Netherlands | Belgium |
| Founded | 2019 | 2011Lower |
| Support channels | Chat, Help centreCovers more | Help centre |
Savings
| Fact | Vivid Money | Wise |
|---|---|---|
| Headline rate | 3% | 3.29%Higher |
| Rate type | Fixed | Variable |
| Minimum deposit | €0.010 | Not confirmed |
| Access terms | Instant access | Instant access to money and gains; transfer up to 100,000 GBP (Personal) daily without delay |
| Account kind | Easy access | Cash management |
| Regulators | Commission de Surveillance du Secteur Financier (CSSF), Dutch Authority for Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM) | Not confirmed |
Money transfer
| Fact | Vivid Money | Wise |
|---|---|---|
| Exchange rate markup | Not confirmed | 0% |
| Payout methods | Not confirmed | Bank, Card |
Where each stands against the rest
| Fact | Vivid Money | Wise | Median |
|---|---|---|---|
| Currency conversion fee | 0.25%below the median | 0.24%below the median | 0.5% |
| Currencies | 22highest quarter | 40highest quarter | 5 |
| Free ATM withdrawals | Not confirmed | £250highest quarter | £0 |
Median across 536 listed accounts.
Pros and cons
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
Wise
Pros
- No recurring charge: the monthly fee is £0, matching the €0 site median while some accounts charge as much as €449.
- Conversion is cheap: a fee of 0.24% and an exchange rate markup of 0%, against a 0.5% site median conversion fee.
- Instant access on a floating return: money and gains come out without delay, and the variable rate stands at 3.29%.
Cons
- Support is self-service: help centre is the only channel listed, so there is no phone line or live chat listed for a stuck transfer.
- The rate is variable, so the 3.29% headline can fall, and the brand ranks 220 of 473 on headline rate.
- Moving money is not free: transfer fees are From 0.24%, varies by currency and converting adds 0.24% each time a currency changes.
Who each suits
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
Wise
Who it suits
- Expatriates and travellers who hold money in more than one currency: the account is built for expats and travelers and covers 40 currencies.
- Anyone who wants a place to park cash without a recurring charge, since the monthly fee is £0.
- People who need money to arrive in local formats, since local account details are offered for iban, uk sort code and us ach.
Who should look elsewhere
- Plazo ES or AXI Card Tarjeta y Credito, whose headline rates of 24.19% and 21.59% are the ones to look at when the rate on the balance matters more than currency cover.
- PayPal Colombia, whose headline rate of 3.3% is close to 3.29%, so a saver gives up little on yield and gains nothing on the 40 currency range.
Country by country
| Country | Vivid Money | Wise |
|---|---|---|
| Australia | No | Yes |
| Austria | No | Yes |
| Belgium | No | Yes |
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
8 of 35 countries where either is available.
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.
Wise
What rate does Wise pay on money held in the account?+
The headline rate is 3.29% and it is a variable rate, so the figure can move rather than being set for a term. Interest is credited to the balance and the money plus the gains stay available, which suits someone who wants a return without tying funds away.
Is there a monthly fee for keeping money with Wise?+
The monthly fee is £0, and the account is built on a no monthly fee model, so there is no recurring charge to maintain it. The site median monthly fee is €0 while some accounts charge as much as €449, so this sits at the cheap end of the range.
Other options to compare
Other matchups
Related by the facts
Vivid Money
Wise