Vivid Money review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Vivid Money suits business accounts that pay suppliers and staff in euros, and it pays cashback of 0.1% to 10% depending on the category. Fees are the quiet part: the annual fee is €0 and the monthly fee is €0, while the account type is built for business users only.
Key facts
- Best for
- Business accounts paying in euros that want an annual fee of €0 and cashback on everyday spend.
- Annual fee
- €0 (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 0.1%-0.35% base, up to 10% on select categories (Source, checked September 26, 2026)
- Perks
- Multiple IBANs, Free SEPA transfers, Up to €1,000 free ATM withdrawals globally (Vivid Prime), Metal physical card, Virtual card, Up to 15 Pockets sub-accounts (Source, checked September 26, 2026)
- Cashback rate
- 0.1% to 10% (Source, checked September 26, 2026)
- Legal entity
- Vivid Money B.V. (Source, checked September 26, 2026)
- Headquarters
- Netherlands (Source, checked September 26, 2026)
- Founded
- 2019 (Source, checked September 26, 2026)
- Support channels
- Help-centre, Chat, Phone (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Audience
- Business
- Official website
- vivid.money
Debit cards
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Legal entity
- Vivid Money B.V. (Source, checked September 26, 2026)
- Headquarters
- Netherlands (Source, checked September 26, 2026)
- Founded
- 2019 (Source, checked September 26, 2026)
- Support channels
- Help-centre, Chat, Phone (Source, checked September 26, 2026)
- Features
- Rewards
- Audience
- Business
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- WikidataLinkedInXTrustpilot
Pros and cons
Pros
- Cashback of 0.1% to 10% depending on the category, paid as cashback rather than points or miles.
- Multiple IBANs, free SEPA transfers, a metal card and a virtual card, plus Pockets sub-accounts for splitting spend.
- Support by help centre, chat and phone.
Cons
- The account type is built for business users, so personal spending has no matching account here.
- Cashback of 0.1% to 10% runs from a low base rate to a higher rate on selected categories, so most everyday spend earns the lower end.
- The free ATM allowance in Multiple IBANs, Free SEPA transfers and Up to €1,000 free ATM withdrawals globally (Vivid Prime) comes with the Vivid Prime plan, so other plans pay for cash withdrawals.
Who it suits
- Businesses that pay suppliers and staff in euros and want fees of €0 a year.
- Anyone who wants a metal card alongside a virtual card from the same account.
- Businesses that want separate IBANs and Pockets sub-accounts for different projects or clients.
Who should look elsewhere
- Wise, if a plain fee-free card is enough, with an annual fee of £0.
- Chime Card (Secured Visa Credit Card), if you want a secured Visa credit card; its annual fee is $0.
- Varo Believe Secured Credit Card, if you want a secured card to build credit; its annual fee is $0.
How Vivid Money compares
8.7 vs 9.4
8.7 vs 9.0
8.7 vs 8.9
8.7 vs 9.2
8.7 vs 8.8
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 9.0
8.7 vs 8.8
8.7 vs 8.8
8.7 vs 8.7
8.7 vs 9.2
8.7 vs 9.0
8.7 vs 8.9
8.7 vs 8.8
8.7 vs 9.6
8.7 vs 9.4
8.7 vs 9.4
8.7 vs 9.2
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 9.1
8.7 vs 8.8
8.7 vs 8.8- 8.7 vs 8.8
- 8.7 vs 8.8
8.7 vs 8.8- 8.7 vs 8.8
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 8.3
8.7 vs 8.2
8.7 vs 8.0
8.7 vs 8.0
Where Vivid Money is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
- Licence in Netherlands
- AFM, checked September 26, 2026
- Licence in Netherlands
- Netherlands Authority for the Financial Markets (AFM) (MiCA CASP 7245009PWS7YLG3JPF78), checked September 26, 2026, also valid in Netherlands, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Vivid Money cost?+
The annual fee is €0 and the monthly fee is €0, so the card runs without a set price for the year or the month. Spending pays cashback of 0.1% to 10% depending on the category, and the free global ATM allowance sits on the Vivid Prime plan.
Is the account regulated?+
The account runs through Vivid Money B.V., based in the Netherlands, and the company is listed with the Netherlands Authority for the Financial Markets (AFM) as MiCA CASP 7245009PWS7YLG3JPF78. The legal entity behind the brand is that same company, and the AFM listing is the registration to check before you open an account.
Who is Vivid Money built for?+
The account type is built for business users, so companies paying suppliers and staff in euros are the natural audience. Multiple IBANs and free SEPA transfers suit holding separate euro balances for different projects or clients, and Pockets sub-accounts split everyday spending from the rest.
What cards do you get?+
You get a metal physical card plus a virtual card for the sites where you would rather not hand over your main card. Pockets sub-accounts give each project its own balance, and the card draws on the IBAN you pick.
How do I get money in and out?+
Transfers in and out run as SEPA transfers, and they are free. Cash withdrawals are free globally on the Vivid Prime plan, so the plan tier matters for anyone who takes money out of ATMs often. Multiple IBANs let you keep separate balances per currency or client.
How much cashback do I earn?+
Rewards are paid as cashback, and the rate is 0.1% to 10% across the range, with the base rate lower and the higher rate reserved for selected categories. So the card rewards a business that can steer spend towards the rewarded categories, and pays less on everything else.
How do I get help?+
Support runs through help centre, chat and phone, so you can ring, chat or read the help centre. A help centre plus live chat and phone covers both quick questions and the longer ones that come with euro payments and multiple IBANs.
How long has Vivid Money been running?+
Vivid Money was founded in 2019 and the account is run by Vivid Money B.V. in the Netherlands, with the AFM registration listed as MiCA CASP 7245009PWS7YLG3JPF78. It is a young name in euro business banking, so read the plan terms before you move a large balance.
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=NL”
- esim.holafly.com/finance/vivid-card-reviews checked September 26, 2026
Backs: Founded
“Vivid Money was founded in 2019”
- vivid.money checked September 26, 2026
Backs: Annual fee, Audience, Cashback rate, Features, Pricing model, Perks, Rewards rate, Rewards type, Support channels
“No annual fees mentioned; card included with free Vivid Standard account”
- vivid.money/en-eu/personal/plans checked September 26, 2026
Backs: Monthly fee
“Vivid Standard EUR 0/month for active customers”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Currency conversion fee.
Vivid Money
Business accounts paying in euros that want an annual fee of €0 and cashback on everyday spend.