Our verdict
Vivid is a Berlin-based money app combining a multi-currency account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto. It is feature-rich and well-designed, though the strongest perks sit behind its Prime plan and it operates through partner bank Solaris across a limited set of EU markets.
Pros
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
- Business accounts available
- Polished, feature-rich app
Cons
- Best features on the paid Prime plan
- Relies on a partner bank (Solaris)
- Available only in some EU markets
- Weekend FX limits on the free plan
Fees & key facts
| Sign-up | Free |
|---|---|
| Monthly fee | Free plan → paid Prime |
| Send / receive | Free SEPA transfers |
| Exchange rate | Interbank on weekdays (limits apply) |
| Withdrawals | Free ATM up to a cap, then fee |
| Card | Yes — Visa debit (metal on premium) |
| Availability | Several EU markets |
| Currencies | EUR + multi-currency pockets |
| Founded | 2020 |
| Headquarters | Berlin, Germany |
| Regulation | BaFin via partner bank (Solaris); EEA |
Ready to try Vivid?
Open the official site to check current terms in your country and sign up.
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Vivid — frequently asked questions
Is Vivid safe to use?
Vivid is regulated by BaFin via partner bank (Solaris); EEA and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does Vivid charge?
Account/monthly fee: Free plan → paid Prime. Sending or receiving: Free SEPA transfers. Currency conversion: Interbank on weekdays (limits apply). Withdrawals: Free ATM up to a cap, then fee. Fees can change and may vary by country, so always confirm the latest terms on the official Vivid site.
Which countries can use Vivid?
Vivid is available in Several EU markets. Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does Vivid offer a card?
Yes — Visa debit (metal on premium). It supports EUR + multi-currency pockets.
What is Vivid best for?
Vivid is best for cashback, saving and investing in one app. Vivid is a Berlin-based money app combining a multi-currency account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto.
Who is behind Vivid and where is it based?
Vivid launched in 2020 and is based in Berlin, Germany, regulated by BaFin via partner bank (Solaris); EEA.
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