Vivid Money Review 2026: Our Complete Analysis
Last updated: January 2026 | view the full broker profile
This Vivid Money review covers the Berlin-based neobank that blends everyday banking, fractional share investing, and crypto rewards into a single mobile app. If you have searched for a review of Vivid Money recently, you will notice the brand has undergone significant changes — including withdrawing from France at the end of 2024. Here is what you need to know before opening an account.
About Vivid Money
Vivid Money was founded in 2020 in Berlin by Artem Yamanov and Alexander Emeshev, both formerly of Tinkoff Bank in Russia. The company operates as a tied agent of Solaris Bank under BaFin supervision, giving German IBAN holders access to a multi-currency current account, a Premium Visa card, and an investing platform (Vivid Invest).
The platform claims over one million clients. However, its geographic footprint has contracted sharply. After pulling out of France at the end of 2024, Vivid Money now focuses primarily on Germany, Italy, and Spain. The product targets millennials and Gen Z who want banking and investing in one place.
| Key Detail | Information |
|---|---|
| Founded | 2020 |
| Headquarters | Berlin, Germany |
| Legal Entity | Vivid Money B.V. (Solaris Bank tied agent) |
| Clients | 1,000,000+ |
| Markets Served | DE, IT, ES (FR excluded since end-2024) |
| Languages | EN, DE, IT, ES |
Regulation and Fund Security
Vivid Money operates as a tied agent of Solaris Bank, which is regulated by BaFin in Germany. An additional EMI license is held in Lithuania under the Bank of Lithuania (BdL). This dual-layer structure provides a regulated foundation, but it is worth understanding that Vivid Money itself is not a standalone bank.
| Regulator | Country | License Type |
|---|---|---|
| BaFin (via Solaris Bank) | Germany | Tied agent |
| BdL | Lithuania | EMI (electronic money institution) |
Client funds are segregated. Deposits benefit from the German deposit guarantee scheme up to 100,000 EUR via Solaris Bank. There is no negative balance protection — relevant because Vivid offers no leveraged products, so this is less of a concern in practice.
Is Vivid Money safe? For a neobank operating within the German regulatory framework and covered by a 100K EUR deposit guarantee, the answer is broadly yes for banking purposes. For the investing side, the risk picture is standard for equity and crypto markets.
Trading Conditions
Vivid Money is not a traditional broker. There are no CFDs, no forex pairs, no indices, and no leverage whatsoever. What you get is a cash-only investing service covering fractional shares, ETFs, and crypto.
Fee structure:
- 0.50 EUR flat commission per order (Standard plan)
- 1.5% spread on crypto transactions
- Reduced fees on the Prime plan (9.90 EUR/month)
| Account | Monthly Fee | Commission | Min. Deposit |
|---|---|---|---|
| Vivid Standard | Free | 0.50 EUR/order + 1.5% crypto | 0 EUR |
| Vivid Prime | 9.90 EUR | Reduced + Premium cashback | 0 EUR |
The 0.50 EUR flat fee is competitive for small orders on stocks and ETFs. The 1.5% crypto spread is on the higher side — comparable neobank competitors typically sit closer to 1.0–1.25%. There is no inactivity fee, no deposit fee, and no withdrawal fee.
No scalping, hedging, or automated trading (EAs) is supported. This is a buy-and-hold platform by design.
Trading Platforms
Vivid Money is mobile-first and mobile-only. There is no desktop web platform and no dedicated desktop application. The Vivid App is available on iOS and Android.
| Platform | Mobile | Desktop | Web |
|---|---|---|---|
| Vivid App | Yes | No | No |
The app integrates banking and investing in one interface. Unique features include:
- Stock Reward: automatic cashback on card purchases paid in fractional shares
- Crypto Reward: cashback credited in cryptocurrency
- Pockets: sub-accounts for budgeting
- Multi-currency account: supports 40+ currencies with a German IBAN
- Visa Premium card: contactless payments, Apple Pay, Google Pay
There is no demo account, no charting tools of note, and no advanced order types. For anyone wanting technical analysis or complex order management, Vivid is not the right tool.
Tradable Instruments
The investing catalogue is narrower than dedicated brokers but covers the basics for a passive or semi-active retail investor.
| Asset Class | Availability |
|---|---|
| Stocks (fractional) | 1,500+ |
| ETFs | 300+ |
| Crypto | 100+ |
| Forex | Not available |
| CFDs | Not available |
| Indices | Not available |
| Commodities | Not available |
| Futures / Options | Not available |
The fractional shares feature is a genuine differentiator for smaller investors who want exposure to high-priced stocks with limited capital. Minimum lot size is 0.01, meaning you can invest from a few cents in theory.
Deposits and Withdrawals
| Method | Deposit Fee | Withdrawal Fee | Withdrawal Time |
|---|---|---|---|
| SEPA Transfer | Free | Free | 1-2 business days |
| Bank Card | Free | N/A | N/A |
| Apple Pay | Free | N/A | N/A |
| Google Pay | Free | N/A | N/A |
Minimum deposit is 0 EUR. There are no deposit or withdrawal fees, and no inactivity charges. The withdrawal route is SEPA only, processed in 1-2 business days. This is straightforward and in line with standard neobank practice.
Customer Support and Education
Support is available via in-app chat and email, in English, German, Italian, and Spanish. There is no phone line and no 24/7 live support. Response times via chat are not disclosed.
The educational offering is minimal. There is no demo account, no webinars, no ebooks, and only limited video content. Vivid Money is designed for users who already understand basic investing, not for complete beginners seeking structured learning.
Pros and Cons
Pros:
- Integrated banking and investing in a single app
- Stock Reward cashback feature is genuinely unique
- German IBAN with 40+ currency support
- No minimum deposit, no inactivity fee
- Fractional shares from 0.01 lot
- BaFin-regulated (via Solaris) with 100K EUR deposit guarantee
Cons:
- Service no longer available in France since end-2024
- Restricted to DE, IT, ES — limited geographic reach
- Mobile-only, no desktop or web platform
- 1.5% crypto spread is relatively high
- Only 1,500 stocks — limited versus dedicated brokers
- No CFDs, forex, leverage, or derivatives
- No demo account or meaningful educational resources
- Reputation affected by repeated market withdrawals
FAQ
Is Vivid Money available in France? No. Vivid Money withdrew from the French market at the end of 2024. The service is currently available primarily in Germany, Italy, and Spain.
Is Vivid Money regulated? Yes. It operates as a tied agent of Solaris Bank under BaFin supervision in Germany, and holds an EMI license in Lithuania regulated by the BdL.
What is the minimum deposit at Vivid Money? The minimum deposit is 0 EUR. There is no minimum required to open either the Standard or Prime account.
Does Vivid Money offer leverage or CFDs? No. Vivid Money offers cash market investing only — no leverage, no CFDs, no forex, and no derivatives of any kind.
How does the Stock Reward feature work? When you make eligible purchases with your Vivid Visa card, a percentage of the spend is returned as fractional shares in a company of your choice rather than traditional cashback.
Verdict
Vivid Money reviewed in 2026 is a niche product best suited to European residents in Germany, Italy, or Spain who want a combined current account and simple investing service on their phone. The Stock Reward mechanic is creative, the fee structure is reasonable for low-frequency investors, and German regulatory coverage via BaFin and Solaris adds credibility.
However, the platform's repeated geographic retreats — most recently exiting France — raise questions about long-term strategic stability. The mobile-only approach, limited stock catalogue, high crypto spread, and absence of any educational resources mean it falls short of dedicated investment brokers.
Final score: 5.5/10
It works well within its narrow scope. Outside that scope, there are stronger alternatives.
Trading involves risk of capital loss.
Article by the Analyse Trading team (@analysetrading) · Updated 01/2026 · view the full broker profile
Disclaimer: Trading involves high risk of capital loss. This article is for informational purposes only and does not constitute investment advice.