Unser Fazit
Vivid is a Berlin-founded money app combining a euro account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto. It is feature-rich and well-designed, though Standard now costs €4.90 a month unless you keep €3,000 or spend €1,000 by card, non-euro payments cost 1%, and it is offered in a limited set of European markets by Vivid Money S.A., a Luxembourg e-money institution.
Vorteile
- 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
Nachteile
- Standard costs €4.90 a month unless you meet the waiver
- 1% on every non-euro card payment
- Euro only: no other currencies or SWIFT
- Available only in some EU markets
Gebühren & Eckdaten
| Anmeldung | Free |
|---|---|
| Monatsgebühr | Standard €4.90 (waivable); Plus €6.90; Prime €9.90 |
| Senden / Empfangen | Free SEPA and instant SEPA; no SWIFT |
| Wechselkurs | 1% over the Visa rate on non-euro card payments |
| Auszahlungen | €200 / €500 / €1,000 free a month, then 3% (min €1) |
| Karte | Yes — Visa debit (metal on premium) |
| Verfügbarkeit | AT, CY, FR, DE, IT, LU, NL, PT, ES, CH |
| Währungen | EUR (only supported retail currency) |
| Gegründet | 2020 |
| Hauptsitz | Berlin, Germany |
| Regulierung | Vivid Money S.A., e-money institution regulated by the CSSF (Luxembourg) |
Bereit zum Ausprobieren Vivid?
Öffne die offizielle Seite, um die aktuellen Bedingungen in deinem Land zu prüfen und dich anzumelden.
Besuchen VividCompare Vivid with other wallets
Vivid — frequently asked questions
Is Vivid safe to use?
Vivid is regulated by Vivid Money S.A., e-money institution regulated by the CSSF (Luxembourg) 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: Standard €4.90 (waivable); Plus €6.90; Prime €9.90. Sending or receiving: Free SEPA and instant SEPA; no SWIFT. Currency conversion: 1% over the Visa rate on non-euro card payments. Withdrawals: €200 / €500 / €1,000 free a month, then 3% (min €1). 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 AT, CY, FR, DE, IT, LU, NL, PT, ES, CH. 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 (only supported retail currency).
What is Vivid best for?
Vivid is best for cashback, saving and investing in one app. Vivid is a Berlin-founded money app combining a euro 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 Vivid Money S.A., e-money institution regulated by the CSSF (Luxembourg).
Comments 0
Share your experience with Vivid. Comments are public; your email is never shown.
No comments yet — be the first to share your experience.