Vivid Money is a Berlin-based fintech offering an all-in-one financial super app combining banking, investing, and crypto services[2][1]. Founded in 2019, it serves 500,000+ customers across 30 EEA countries with German IBANs through its innovative “Pockets” system, allowing users to create multiple sub-accounts for budgeting and multi-currency management[1][5]. The platform provides both personal and business accounts with integrated stock/ETF investing, cryptocurrency trading, and cashback rewards linked to investments[3][2][5].
The platform appeals to tech-savvy Europeans seeking modern banking alternatives and beginner investors wanting easy market access through fractional shares starting at €1[5]. Built on Solarisbank infrastructure, Vivid targets users who value convenience of managing spending, saving, and investing within a single mobile app[2][5]. Many users leverage it as their primary account for its high interest rates (up to 4% promotional) and comprehensive financial services, though Prime subscription unlocks premium features like metal cards and higher cashback limits[5].
Vivid Money Pros
- All-in-one app combining banking, investing, crypto, and multi-currency accounts[2][5]
- German IBANs available through flexible “Pockets” system for budgeting[5]
- High interest rates up to 4% and unique cashback programs linked to stocks/crypto[3][5]
- Low investing barrier with fractional shares from €1 and 300+ cryptocurrencies[5]
Vivid Money Cons
- Best features require paid Prime subscription for full functionality[5]
- Recent shift away from commission-free stock/ETF trading[5]
- Basic brokerage tools may not suit experienced active traders[5]
- Customer support primarily mobile-focused with limited advanced features[5]
