Updated September 29, 2026 · VaultCue Editorial Team
Vivid Money vs ZA Bank
Vivid Money
Higher score in this comparison
ZA Bank
Vivid Money vs ZA Bank: the differences
| Compare | Vivid MoneyReviewSee alternativesSee alternatives | ZA BankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | HK$0 |
| Currencies | 22Higher | 11 |
| Transfer fee | Free | FPS instant transfers free; SWIFT to 140+ countries and regions with zero ZA Bank fee |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currency conversion fee | 0.25% | Not confirmed |
| Local account details | IBAN | Not confirmed |
| Free ATM withdrawals | Not confirmed | HK$0 |
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Key differences
- Vivid Money scores higher overall: 8.8 vs 8.7.
- Founded is lower at Vivid Money: 2019 vs 2020.
- Currencies is higher at Vivid Money: 22 vs 11.
- Support channels: only ZA Bank offers Email, Phone.
- Features: only ZA Bank 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.
ZA Bank
ZA Bank is an app-only easy-access account for travelers and businesses that need to hold and move money in several currencies. It suits users who put access first and interest second, since a headline rate of 0.01% sits well below the savings account median of 3%.
Score breakdown
| Area | Vivid Money | ZA Bank |
|---|---|---|
| Cost | 9.2Conversion priced at 0.25% keeps cross currency spend modest versus broader market levels | 9.3HigherMonthly fee of HKD 0 against a site median of €0, with a minimum deposit of HKD 0. |
| Offer | 9.1HigherInterest pocket pays 3% on instant access balances with low entry threshold | 8.9An easy access account on a variable rate, holding 11 currencies with no term attached. |
| Trust | 8.3HigherEligible balances covered by EU DGS up to EUR 100,000 with licensed EU supervision | 8.1 |
How they place
| Ranking | Vivid Money | ZA Bank |
|---|---|---|
| Savings accounts | 496 of 1420 | 542 of 1420 |
| Multi-currency accounts | 206 of 348 | 226 of 348 |
| Online banks | 155 of 402 | 181 of 402 |
Every fact side by side
| Fact | Vivid Money | ZA Bank |
|---|---|---|
| Audience | Not confirmed | Travelers, Business |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only | Free ATM, Digital onlyCovers more |
| Legal entity | Vivid Money B.V. | ZA Bank Limited |
| Headquarters | Netherlands | Hong Kong |
| Founded | 2019Lower | 2020 |
| Support channels | Chat, Help centre | Email, Phone, Chat, Help centreCovers more |
Savings
| Fact | Vivid Money | ZA Bank |
|---|---|---|
| Headline rate | 3%Higher | 0.01% |
| Rate type | Fixed | Variable |
| Minimum deposit | €0.010 | HK$0 |
| Access terms | Instant access | Deposit and withdraw money as you wish, 24 x 7 in the ZA Bank app |
| Account kind | Easy access | Easy access |
| Regulators | Commission de Surveillance du Secteur Financier (CSSF), Dutch Authority for Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM) | Not confirmed |
Where each stands against the rest
| Fact | Vivid Money | ZA Bank | Median |
|---|---|---|---|
| Currency conversion fee | 0.25%below the median | Not confirmed | 0.5% |
| Currencies | 22highest quarter | 11above the median | 5 |
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
ZA Bank
Pros
- Instant FPS transfers cost nothing, and SWIFT transfers carry no ZA Bank fee.
- A minimum deposit of HKD 0, so a balance can start small and grow.
- Support runs on email, phone and chat, so help is not limited to the app.
Cons
- The headline rate of 0.01% ranks 447 of 473, so this is a place to keep money rather than grow it.
- A variable rate on an easy access account gives no term in which to lock a better rate for longer.
- Digital-only handling under free atm and digital only means no branch or counter service, so cash and paperwork happen in the app.
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
ZA Bank
Who it suits
- Travelers and businesses, the audiences ZA Bank lists, who need easy-access money in 11 currencies.
- Holders who want a minimum deposit of HKD 0 rather than a barrier to opening.
- Users who need help beyond the app, since support runs on email, phone and chat.
Who should look elsewhere
- Readers shopping on listed rates, where Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%.
- Wallet-first readers, since PayPal Colombia at 3.3% fits balances held in a wallet rather than an easy-access bank balance.
Current offers
ZA Bank
Current offer
Bonus
High-Rate Pot savings rate: Up to 5% p.a. total savings rate (up to 4.99% reward rate plus 0.01% HKD basic interest rate)
Campaign period; reward rate valid from the day the challenge is completed to the last day of that month; eligible deposit limit varies by user tier and is shown on the High-Rate Pot page; T&C apply
Source, checked September 26, 2026
Bonus
Chill Pot promotional rate: 0.5% p.a.
Applies to HKD 1,000,000 or below balance in Chill Pot under ZA Perks Lv1 User Level; balance above that at the basic interest rate; T&C apply
Source, checked September 26, 2026
Bonus
Rate-up Tuesday coupons: Rate-up Coupons up to 9% p.a.; unlock bonus rate up to 18% p.a.
Claim in ZA Bank App homepage > Deposit > Rate-up Tuesday on or before 31 October 2026; terms and conditions apply
Source, checked September 26, 2026
Bonus
Foreign Exchange Time Deposit promotional rates: 20% p.a. 7-day CNY time deposit rate; 17% p.a. 7-day USD time deposit rate
Placed via ZA Bank App homepage > Deposit > FX Time Deposit; applicable rate, currency and period as displayed in the app; FX involves risks; T&C apply
Source, checked September 26, 2026
Country by country
| Country | Vivid Money | ZA Bank |
|---|---|---|
| Hong Kong | No | Yes |
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.
ZA Bank
How much does a ZA Bank account cost to run?+
ZA Bank charges a monthly fee of HKD 0 and a minimum deposit of HKD 0 to open, so holding a balance costs nothing. Its pricing sits at the site median monthly fee of €0, and the account is listed under no monthly fee.
What rate do I get on a ZA Bank deposit?+
The deposit pays a headline rate of 0.01% and the rate type is variable, so the return moves rather than being locked in. The account kind is easy access, which suits people who need to take money out whenever they like more than people shopping for a term deal.
Other options to compare
Other matchups
Related by the facts
Vivid Money
ZA Bank