Is Vivid Money a bank?

No. Vivid's accounts and cards are provided by Vivid Money S.A., an electronic money institution authorised by Luxembourg's financial regulator, the CSSF (register number W00000015). Investment, interest and crypto products come from a separate company, Vivid Money B.V., licensed by the Dutch AFM. Neither is a bank.

Your payment-account balance is safeguarded: Vivid says client funds are kept separate from its own assets in segregated accounts at European partner banks and in a qualifying money market fund. Vivid also states that funds held at one partner bank, Natixis, are covered by France's deposit guarantee (FGDR) up to €100,000 per customer. That applies to payment-account balances only, not to Vivid's investment, interest or crypto pockets, where capital is at risk.

Does Vivid charge for paying in other currencies?

Yes. Vivid's fee schedule (effective 18 August 2026) lists a 1% FX markup on non-euro card transactions on all three plans, Standard, Plus and Prime, even though its plans page advertises 'fee-free payments globally'. Accounts are held in euros only.

Vivid Standard has no monthly fee if you're an 'active customer': at least €3,000 across your Vivid accounts at month end, or at least €1,000 of card purchases in the previous month. Otherwise there's a €4.90 monthly account management fee. Plus is €6.90 a month and Prime is €9.90 a month (from €7.90 on a 12-month plan). A physical card costs €19.90 plus €9.90 delivery.

How much can I withdraw from an ATM for free with Vivid?

€200 a month on Standard, €500 on Plus and €1,000 on Prime, but only for withdrawals of at least €50. Withdrawals under €50, and anything above the monthly allowance, cost 3% (minimum €1).

Vivid Money Review 2026: Fees, Plans, Safety and the 1% FX Catch

Disclosure: Some links below are affiliate links — if you open an account through one, we may earn a commission at no extra cost to you. It never affects our rankings; we rank on the researched numbers alone. How we rate providers.

Vivid Money is a euro-only money app built around cashback, interest pockets and investing. It markets itself as a way to spend and save in one place. One detail matters a lot for anyone who spends in other currencies: Vivid’s fee schedule lists a 1% FX markup on non-euro card payments on every plan.

How this review was done: we haven’t held a Vivid account. Everything below comes from Vivid’s official fee schedule for retail customers (effective 18 August 2026), its plans page and its help centre article on legal entities, all read on 19 October 2026. We don’t describe the app experience, because we haven’t used it.

Vivid Money at a glance


What it is	An e-money account from Vivid Money S.A. (Luxembourg, CSSF-authorised), plus investing from Vivid Money B.V. (Netherlands, AFM-licensed)
Is it a bank?	No
Currency	EUR only
Plans	Standard €0 if active (else €4.90) · Plus €6.90 · Prime €9.90 (from €7.90 on 12 months)
Non-euro card payments	1% FX markup, all plans
Free ATM withdrawals	€200 / €500 / €1,000 a month, for withdrawals of €50 or more
Physical card	€19.90 + €9.90 delivery
Best for	Euro spenders who want cashback and investing in one app
Not for	Anyone who regularly spends or gets paid in other currencies

The plans and what they cost

From Vivid’s fee schedule and plans page (checked 19 October 2026):

	Standard	Plus	Prime
Monthly fee	€0 if “active”, otherwise €4.90	€6.90 (€5.90/month on 3 months, €4.90/month on 6 months)	€9.90 (€8.90/month on 6 months, €7.90/month on 12 months)
Accounts (Pockets with own IBAN)	Up to 3	Up to 6	Up to 15
Physical card	€19.90 + delivery	€19.90 + delivery	€19.90 + delivery
Free ATM per month (withdrawals of €50+)	€200	€500	€1,000
Non-euro card payments	1% FX markup	1% FX markup	1% FX markup
Cashback per month (if eligible)	Up to €20	Up to €50	Up to €100

The “active customer” condition matters. Standard is free only if, at the end of the month, you hold at least €3,000 across your Vivid Money, Invest and Crypto accounts, or you made at least €1,000 of card purchases in the previous month. ATM withdrawals don’t count toward the €1,000. Miss both and you pay €4.90 a month. Vivid’s footnote adds that it “may charge an additional fee” for longer periods of inactivity.

Cashback has its own condition: at least €1,000 in your account, or €100 in holding assets, on the last day of the previous month.

The 1% FX markup: “fee-free” doesn’t cover currency

Vivid’s plans page lists “Fee-free payments globally” for all plans. The fee schedule, the legal document that sets what you pay, lists:

“FX mark-up over the exchange rate for execution of non-EUR card transactions: 1%” (Standard, Plus and Prime)

The two can both be true if “fee-free” means no separate foreign transaction fee, while the 1% is added to the exchange rate instead. For you, the result is the same: a €100-equivalent card payment in dollars, pounds or francs costs about €1 more than the exchange rate.

Vivid accounts are also euro-only. The fee schedule lists EUR as the only supported currency, so you can’t hold dollars or pounds to spend later.

How that compares:

bunq lists Mastercard rate + 0.5% on its paid plans (bunq review).
Revolut adds no fair-usage fee on weekdays within your plan’s monthly limit, but on the free plan adds 1% at weekends (Revolut weekend fee).
Wise and Currensea are compared on spending abroad in Currensea vs Wise vs Revolut.

If you mostly spend in euros, the markup won’t matter. If you travel outside the eurozone or pay for subscriptions in USD, it’s a cost you’ll pay on every payment.

ATM withdrawals: watch the €50 minimum

Vivid’s ATM allowance has a condition most providers don’t have. Withdrawals are free up to the monthly allowance only if each withdrawal is at least €50:

Withdraw €40: 3% fee, minimum €1, so €1.20, even inside your allowance.
Withdraw €100 with allowance left: free.
Above the monthly allowance (€200 / €500 / €1,000): 3%, minimum €1, on every withdrawal.

At 3%, Vivid’s charge above the allowance is higher than Revolut’s 2% (see our Revolut ATM limits guide). Plan your cash in fewer, larger withdrawals.

Other fees in the schedule

Card top-ups: free up to €200 a month (Standard), €500 (Plus) or €1,000 (Prime) from EEA consumer debit cards, then 1%. Other cards cost 3% (minimum €0.49).
Incoming and outgoing bank transfers: €0.
Gambling and “cash equivalent” transactions (including foreign currency and crypto purchases from other providers): 3%, not refunded even if the transaction is.
Additional virtual cards / Pockets: small fees, listed in the schedule.

Interest and investing: it’s not a savings account

Vivid’s interest products are investment products, which is easy to miss. The plans page states plainly: “This is an investment product, capital is at risk.”

Interest Rate Pocket (fixed interest): 3% promotional for the first two months, then 0.1% (Standard), 1% (Plus) or 2% (Prime, on up to €10,000).
Money market funds: a yearly service fee of 1% (Standard), 0.70% (Plus) or 0.30% (Prime) on top of the fund’s return.
Stocks and ETFs: €1 per trade, plus an FX markup of up to 1% on non-euro securities, depending on plan and turnover.
Crypto: trading fees from 2% down, depending on plan and volume.

These products come from Vivid Money B.V., a separate Dutch investment firm, and they are not deposits. Investing always carries risk, and you can get back less than you put in.

Is Vivid Money safe?

Vivid isn’t a bank, so protection works differently from a bank account:

Payment accounts are provided by Vivid Money S.A., an electronic money institution authorised by Luxembourg’s CSSF (register number W00000015). Vivid says client funds “remain the property of the customer” and are safeguarded: kept separate from Vivid’s own assets, in segregated client-money accounts at several European partner banks and in a qualifying money market fund managed by BNP Paribas Asset Management.
Deposit guarantee, partly: Vivid states that funds held with one partner bank, Natixis (BPCE group), are covered by France’s deposit guarantee scheme, the FGDR, up to €100,000 per customer. That covers payment-account balances only, and only the part held at Natixis. It doesn’t extend to the Vivid Money B.V. pockets and accounts.
Investment and crypto products come from Vivid Money B.V., licensed by the Dutch AFM, and are not covered by any deposit guarantee.

That’s a reasonable setup for an e-money provider, but it’s more complicated than a bank’s. If you want a full, simple deposit guarantee, bunq holds a Dutch banking licence. Our guides to whether Wise is safe and whether Revolut is safe explain safeguarding in more depth.

Pros and cons

Pros

No monthly fee on Standard if you meet the activity condition
Free euro bank transfers
Several Pockets with their own IBANs
Cashback and investing in the same app

Cons

1% FX markup on every non-euro card payment, on all plans
Euro-only: you can’t hold other currencies
€19.90 for a physical card (+ €9.90 delivery)
ATM withdrawals under €50 always cost at least €1
“Interest” is an investment product, not a protected savings account

Who Vivid Money is for, and who should skip it

Vivid may suit you if you:

live in the eurozone and spend almost entirely in euros;
meet the “active customer” conditions anyway, so Standard is free;
want cashback and simple investing in one app, and understand the risk.

Skip Vivid if you:

travel outside the eurozone or pay in USD/GBP regularly, because the 1% markup adds up. Compare Currensea vs Wise vs Revolut;
get paid in foreign currencies. Vivid is euro-only; see Wise vs Payoneer vs Deel and our guide to the best account to receive salary and payments from abroad;
want a bank-level deposit guarantee on your whole balance. bunq is a licensed bank.

Bottom line

Vivid Money is a feature-rich euro account with cashback and investing built in, and it’s free if you’re active enough. For cross-border use it’s weak: the fee schedule lists a 1% FX markup on every non-euro card payment, on every plan, and you can’t hold any currency other than euros. Use it for euro spending. For travel and international payments, there are cheaper tools.

For the full picture of which tool fits which job, start at our hub: how to get paid and spend across borders.

Sources: Vivid Money S.A. fees for retail customers (v.4, effective 18 August 2026); Vivid personal plans page (incl. its safeguarding and regulatory disclosures); Vivid help centre, legal entities providing your services. All checked 19 October 2026. Vivid doesn’t currently appear in our affiliate programmes, so we earn nothing if you sign up. This is general information, not financial or investment advice.