Neobank comparison
Compare Vivid Money and ZEN side by side: fees, regulation, platforms.
Best for cashback and investing
Vivid bundles spending cashback, savings interest and commission-light investing into one account, which make…
Best for cross-border shoppers
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee tha…
| Feature | Vivid Money | ZEN |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 0% | 0% |
| Savings APY | 3.50% | - |
| Currencies | 40 | 32 |
| Card network | Visa | Mastercard |
| Deposit protection | DGS up to 100,000 EUR via Solarisbank | Safeguarded (Lithuanian EMI licence) |
| Regulators | - | - |
| Best for | Best for cashback and investing | Best for cross-border shoppers |
| Markets & account | ||
Vivid Money
Vivid bundles spending cashback, savings interest and commission-light investing into one account, which makes it a strong second card for EU spenders chasing rewards.
Confirm current fees and rates on the provider's site. T&Cs apply.
ZEN
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee that few rivals match.
Confirm current fees and rates on the provider's site. T&Cs apply.
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