Vivid Business and Personal

Vivid Money GmbH

About this app

The right account for all your needs—Manage all your personal and business finances in one app. Over 500,000 Europeans are already steering their financial futures with Vivid.

—VIVID BUSINESS—

Online registration in minutes
No in-person steps—friendly and individualised onboarding based on your situation.

Honest free subscription
Get started with our free plan or test any paid plan of your choice with a 2-month free trial.

Mobile and web access
Organise your finances anywhere, anytime from our mobile or web app.

Multiple accounts, multiple IBANs
Open up to 30 accounts with individual German IBANs.

Receive and send money instantly
Accept and send payments in a few seconds with SEPA, or accept funds internationally with SWIFT transfers.

Free physical and virtual card
— Full online card management: issue, freeze and set limits in a few taps.
— Use your card as much as you like—we won’t block you for being active.

Earn 4% a year on your funds
Invest your money in an account with a positive interest rate of 4% per year for the first 2 months, after 3.5%*.

—VIVID PERSONAL—

Gain Cashback Every Day
— Earn up to 4% cashback on ever-changing monthly categories.
— Embark on your travel adventures and enjoy up to 10% cashback on hotel and car bookings.

Seamless Payments
Instant SEPA transfers and secure payments with our personalised physical or virtual cards.

Full Control of Your Cards:
— Change your PIN at any time.
— Freeze and unfreeze your cards in your app.
— Set monthly limits.
— Request new credentials.
— Turn on and off withdrawals, online transactions and contactless.

Master Your Finances
Open up to 15 distinctive 'Pockets' with their own IBAN for free.

Elevate Your Transactions
Effortlessly send and request funds via phone number or IBAN. Experience the blitz of Vivid Pay transfers among Vivid customers.

Monitor & Strategize
Our intuitive in-app analytics offer clear insights into your spending patterns and monthly financial reports.

Streamline Your Payments
Divide bills, pre-plan future payments, and tap into the ease of contactless payments with Google Pay.

Confident Cash Withdrawals
Withdraw up to €1,000 per month for free at global ATMs on transactions from €50 and above.

State-of-the-art security
— Get immediate notification for each transaction.
— Your card’s CVV is only visible from your app.
— Turn on biometric login for your account.

Accounts, cards and payment services for Vivid Business and Personal are provided by Vivid Money S.A.
Investing services, Interest accounts and Interest Rate Pockets are provided by Vivid Money B.V. and Cryptocurrency services are provided by Vivid Digital S.r.l.
Customers who joined before 24/01/2024 have personal accounts provided by Vivid Money GmbH, which is the outsourcing partner of Solaris SE.
More info on vivid.money.

*The promotion is valid for the first 2 months after opening an Interest Account for all plans. After, you’ll receive the regular interest rate as per your plan. This rate applies to funds up to 10 million EUR.

Ratings and reviews

⚠️Hidden FX fee for USD trades. Impossible to add USD currency 💲 to the investment pocket (while you can easily add USD to all other pockets, so it's not a technical problem, it's a fishy hidden order fee). It means that they take 1% FX commission every time you sell a USD stock (Tesla for example) and then buy another (Google for example) because the money transits in EUR and is converted twice. It's a hidden order fee. By comparison, you have a USD pocket with all other online brokers

Cool app, everything's in one place. Also my migration process was so smooth and took just 10 minutes. New cards arrived in 2 days. Also I'm still able to get refunds to my old account and transfer it to the new ones with two clicks in the app.

EDIT: And NOW I need to migrate ALL of my IBANs?! Frustrating! Please stop changing things so drastically for users and let us just use it. The reason why I have been recommending this App to everyone was being able to have up to 15 IBANs. Now it is reduced to only 3 IBANs. Instead of such an easy way to organize finances, now it mainly became an advertisement space full of clutter (discounts and shopping offers). With the reduction to 3 payment IBANs.

What's new

We're continuing to migrate users. Thank you for your feedback! This release addresses the issues you've reported.