Vivid Money
Neobanque berlinoise BaFin, banque + trading + crypto + cashback
📋About Vivid Money
Vivid Money est une fintech allemande creee en 2020 a Berlin par Artem Yamanov et Alexander Emeshev (anciens de Tinkoff Bank Russie). Operant via tied agent de Solaris Bank (BaFin), Vivid Money combine compte courant multi-devise (allemand IBAN), carte de paiement Visa Premium et plateforme de trading (actions, ETF, crypto via Vivid Invest). La marque a connu un repositionnement difficile : 2022-2023 retraite de plusieurs marches (FR exclu fin 2024), focus DE/IT/ES uniquement. Plus de 1 million de clients. Trading : 1500+ actions + ETF + crypto avec frais 0.50 EUR/ordre + cashback en actions/crypto via la carte. Service Stock Reward : recevoir des fractions d'actions en cashback sur achats carte. Cible une clientele jeune europeenne (millennials/Gen Z).
ⓘKey info
⚖Pros & Cons
- ✓Tout-en-un : banque + trading + crypto + cashback
- ✓Stock Reward : cashback automatique en fractions d'actions
- ✓Carte Visa avec cashback eleve (Prime)
- ✓Compte multi-devise (40+) avec IBAN allemand
- ✓Fractional shares disponibles
- ✕Service ferme en France depuis fin 2024 (perte clients FR)
- ✕Reduit a DE/IT/ES principalement
- ✕Catalogue trading limite (1500 actions)
- ✕Spread crypto eleve (1.5%)
- ✕Pas de plateforme desktop (mobile only)
- ✕Pas de CFD, pas de forex, pas de derivatives
- ✕Reputation instable suite a strategie de retrait des marches
Regulation and licenses
Vivid Money is regulated by the following authorities: BaFin, BdL. These regulations provide a legal framework for client funds and require the broker to follow strict transparency rules.
Available trading platforms
Vivid Money offers: Vivid App (mobile-first).
How to open an account at Vivid Money?
Opening an account at Vivid Money is done online in a few minutes. KYC verification (identity + proof of address) is required by regulation. Once approved, the initial deposit can be made by bank transfer, card, or e-wallet depending on the broker's options.
Analyse-Trading community reviews and rating
The community rating is calculated from verified reviews left by users connected to our platform. Each trader can rate Vivid Money on 5 criteria: fees, platform, support, security, and withdrawals. Check the detailed reviews and trader feedback below.
⚠ Risk warning: Trading CFDs and Forex involves a high risk of rapid money loss due to leverage. The majority of retail investor accounts lose money trading CFDs. You should make sure you understand how CFDs work and whether you can afford to take the high risk of losing your money.