Updated September 29, 2026 · VaultCue Editorial Team
Vivid Money vs ZEN.COM
Vivid Money
ZEN.COM
Higher score in this comparison
Vivid Money vs ZEN.COM: the differences
| Compare | Vivid MoneyReviewSee alternativesSee alternatives | ZEN.COMReviewSee alternativesSee alternatives |
|---|---|---|
| Currency conversion fee | 0.25% | 0%Lower |
| Currencies | 22 | 35Higher |
| Transfer fee | Free | Currently free (standard fee 0.25 EUR) |
| Free ATM withdrawals | Not confirmed | €0 |
Same on both: Monthly fee (€0), Deposit protection (EU DGS up to EUR 100,000), Local account details (IBAN).
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Key differences
- ZEN.COM scores higher overall: 9.3 vs 8.8.
- ZEN.COM is licensed in 1 more country.
- Currency conversion fee is lower at ZEN.COM: 0% vs 0.25%.
- Currencies is higher at ZEN.COM: 35 vs 22.
- Support channels: only ZEN.COM offers Email.
- Pricing model: only ZEN.COM offers Low FX.
- Features: only Vivid Money offers Digital only.
- Features: only ZEN.COM 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.
ZEN.COM
ZEN.COM suits expats and travellers who want a euro account that spends across borders without a monthly charge. Currency conversion runs at 0% and the monthly fee is €0, so the saving sits in how often you change money rather than in account upkeep. EU deposits sit under EU DGS up to EUR 100,000.
Score breakdown
| Area | Vivid Money | ZEN.COM |
|---|---|---|
| Cost | 9.2Conversion priced at 0.25% keeps cross currency spend modest versus broader market levels | 9.4HigherMonthly fee of €0, currency conversion fee of 0% and transfer fees of Currently free (standard fee 0.25 EUR). |
| Offer | 9.1Interest pocket pays 3% on instant access balances with low entry threshold | 9.2HigherHolds 35 currencies, hands out local IBANs and pays a free ATM allowance of €0. |
| Trust | 8.3Eligible balances covered by EU DGS up to EUR 100,000 with licensed EU supervision | Not confirmed |
How they place
| Ranking | Vivid Money | ZEN.COM |
|---|---|---|
| Multi-currency accounts | 206 of 348 | 69 of 348 |
Every fact side by side
| Fact | Vivid Money | ZEN.COM |
|---|---|---|
| Audience | Not confirmed | Expats, Travelers |
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Features | Digital only | Free ATM |
| Legal entity | Vivid Money B.V. | UAB ZEN.COM |
| Headquarters | Netherlands | Lithuania |
| Founded | 2019 | Not confirmed |
| Support channels | Chat, Help centre | Email, Chat, Help centreCovers more |
Savings
| Fact | Vivid Money | ZEN.COM |
|---|---|---|
| Headline rate | 3% | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Minimum deposit | €0.010 | Not confirmed |
| Access terms | Instant access | Not confirmed |
| Account kind | Easy access | Not confirmed |
| 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 | ZEN.COM | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €0at the median | €0 |
| Currency conversion fee | 0.25%below the median | 0%below the median | 0.5% |
| Currencies | 22highest quarter | 35highest quarter | 5 |
| Free ATM withdrawals | Not confirmed | €0below the median | €1 |
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
ZEN.COM
Pros
- Monthly fee of €0 keeps the account free to hold
- Currency conversion fee of 0% beats the 0.5% site median
- Local account details in the form of iban let you get paid like a local
Cons
- Support runs on email, chat and help centre only, with no phone line
- Standard transfer fee is higher than the current free transfer, at Currently free (standard fee 0.25 EUR)
- Currencies count of 35 trails brands near the top of our multi-currency list
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
ZEN.COM
Who it suits
- Expats and travellers named as the audience for the account
- Anyone paid in euros who wants local account details
- People who change currency often and mind conversion cost more than the account type
Who should look elsewhere
- Skrill, if you compare conversion cost and its fee sits well above the site median of 0.5%
- eToro, if you want a broader account rather than a euro card first
- PayPal Colombia, if you need local details outside the euro area rather than iban
Current offers
ZEN.COM
Current offer
Free trial
Try ZEN.COM free for 30 days: 30 days free
Source, checked September 26, 2026
Country by country
| Country | Vivid Money | ZEN.COM |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 32 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.
ZEN.COM
What does ZEN.COM cost to keep open?+
The monthly fee is €0, so holding the account costs nothing. That sits at the site median of €0 and matches the pattern across our listings, where most free accounts cluster at the lower quartile of €0.
How much does it cost to change currency?+
The currency conversion fee is 0%, which ranks ZEN.COM at 1 of 312 brands. For comparison, the site median is 0.5% and the upper quartile reaches 2.08%, so most rivals charge more.
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Vivid Money
ZEN.COM