Vivid Money Review 2026: Banking, Investing & Cashback in One App
🟡 Vivid Money Is Not a Bank
Vivid Money holds an e-money institution authorisation in Luxembourg and a MiFID II investment firm licence in the Netherlands. Your account funds are safeguarded but not covered by the EU Deposit Guarantee Scheme. For deposit protection, consider a fully licensed EU bank instead.
Overview
All-in-one banking + investing + crypto + cashback rewards super-app; unique multi-IBAN Pockets model allowing country-specific IBANs within a single account
Who Is Vivid Best For?
Urban European professionals, investors, and tech-savvy users who want banking, investing, and cashback rewards in one app; also freelancers and SMEs via business accounts
Regulatory Status
Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services
Pricing Plans
| Plan | Price | Key Perks |
|---|---|---|
| Standard | Free* | Free if ≥1 card payment/month or €1,000 balance; otherwise €3.90 maintenance fee |
| Prime | €9.9/mo | Higher cashback limits, premium features, enhanced investment tools |
*Free if ≥1 card payment/month or €1,000 balance; otherwise €3.90/mo
Key Features
- Multi-IBAN Pockets (up to 15) with German, Spanish, or Italian IBANs
- Fractional investing in 3,000+ stocks and ETFs from €1
- 300+ cryptocurrencies trading
- Up to 25% cashback with partner brands (Spotify, Starbucks, etc.)
- Business accounts with up to 5% interest for first 2 months
- Foreign currency sub-accounts at no extra cost
- Instant SEPA transfers
- €1 flat fee per stock/ETF trade
Pros & Cons
✅ Pros
- • Multi-IBAN Pockets (up to 15) with German, Spanish, or Italian IBANs
- • Fractional investing in 3,000+ stocks and ETFs from €1
- • 300+ cryptocurrencies trading
- • Up to 25% cashback with partner brands (Spotify, Starbucks, etc.)
- • Business accounts with up to 5% interest for first 2 months
❌ Cons
- • Accounts blocked or closed without explanation — funds frozen
- • Cashback for free-tier users is very limited
- • Cashback sometimes delayed or not credited
- • Customer support slow to respond and resolve issues
- • Stock price feeds reported as stale during market hours
- • Smaller brand recognition vs. Revolut/N26
Travel Features
Compare all banks for travel →Foreign Exchange
No markupMastercard rate on card spend. 1.5% non-EUR transaction fee on Standard; reduced on Prime tier. Better than high-street banks but not as competitive as Revolut/Wise.
ATM Abroad
€200 free/moStandard: €200 free ATM/month, then 2%. Prime: €400 free/month.
Travel Insurance
No travel insurance included on any tier.
Airport Lounge
No airport lounge access.
Multi-Currency
Multi-IBAN Pockets allow up to 15 currency sub-accounts. Unique: choose German, Spanish, or Italian IBAN for your main account.
✈️ Travel Perks
- • Multi-IBAN Pockets — hold funds in local currency before travel
- • Cashback at travel partners (hotels, airlines) on Prime tier
- • Instant notifications on foreign spend
- • Up to 25% cashback at Booking.com and other travel brands (Prime)
Services: Crypto, Investing & Savings
Cryptocurrency
Available- • Buy & sell 300+ cryptocurrencies
- • Real-time pricing
- • Fractional crypto from €1
- • Cashback rewards on crypto purchases (Prime)
- • Crypto portfolio tracking
Custodial; MiCAR authorised crypto-asset service provider in EU
Compare crypto across EU neobanks →Investments
AvailableMiFID II investment firm licence in Netherlands; fractional investing from €1
Compare investing across EU neobanks →Savings
AvailableECB deposit rate linked
Up to 5% promo rate for new business accounts; standard rates ECB-linked
Compare savings rates across EU neobanks →Business Banking
AvailableAccounting: DATEV, Lexoffice
Pivoted entirely to SME/business banking in March 2025 — no longer offers retail personal banking as standalone. SoftBank-backed. Available in Germany, France, Spain, Netherlands, Luxembourg. DATEV integration strong for German businesses.
Compare all business accounts →Premium Plans
Compare all banks' premium plans →- • Up to 15 currency sub-pockets
- • Multi-IBAN (German/Spanish/Italian)
- • 300+ crypto + 3,000+ stocks from €1
- • Up to 3% cashback with partners
- • Metal card
- • Up to 25% cashback (Spotify, Starbucks etc.)
- • Enhanced investment tools
- • Higher trading & ATM limits
- • Priority support
| Feature | Standard Free | Prime €9.9/mo ★ Best value |
|---|---|---|
| Metal card | — | ✓ |
| Travel insurance | — | — |
| Airport lounge | — | — |
| Free ATM/month | €200 | €400 |
| Free FX/month | — | — |
| Savings rate | ECB-linked | ECB-linked |
| Cashback | Up to 3% with partner brands | Up to 25% with partner brands |
| Top perks |
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Our Verdict
Vivid Money is the most ambitious all-in-one app in the EU — banking, stock investing, crypto, and cashback rewards under one roof. Its multi-IBAN Pockets model is genuinely useful for separating finances by purpose. The main concern is regulatory status: as an EMI, your funds lack DGS deposit protection. Best for tech-savvy users who want an investing-first account and already have a fully licensed bank for savings.