Vivid Plus review
Updated October 12, 2026 · DebitCue Editorial Team
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Our verdict
For finance leads who control active team spending, Vivid Plus provides business accounts with cards, budgets and approvals in one shared platform. It combines daily expense control with cash management tools and accounting connections for companies that manage substantial real balances.
Key facts
- Best for
- Companies managing team cards and shared budgets
- 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
- Official website
- vivid.money
Credit cards
- 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
Pros and cons
Pros
- Issues cards for people or company with tailored merchant rules
- Runs several live budgets from one IBAN without transfers
- Matches app scanned receipts to payments for accountants
- Connects with accounting tools to streamline money management
Cons
- Focuses on team spending structures rather than basic individual card use
- Centres spending control and approvals in app based management
- Combines investing tools with daily accounts which adds complexity
Who it suits
- Finance teams controlling shared company spending
- Growing companies with frequent employee purchases
- Businesses coordinating budgets, invoices and accounting
Who should look elsewhere
- Individuals seeking a personal spending card
- Cash only operations without digital workflows
Safety and regulation
Vivid is regulated by the CSSF in Luxembourg, which sets the supervisory framework for its activities. Client funds are held segregated and uninvested funds are held segregated as well. Spending controls add another layer because budgets approve outgoings in advance and roles define what each person can do. Managers decide which accounts each role sees, while multi step approvals route payments automatically. Receipts scanned in the app match payments and support clear records.
How Vivid Plus compares
Where Vivid Plus is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
- 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 29, 2026)
Frequently asked questions
What does Vivid Plus offer for businesses?+
Vivid provides business accounts with expense tools and cash management in one platform. It includes cards, budgets and approvals for teams that spend, plus invoicing and accounting connections.
Who can use the business accounts?+
Vivid serves companies with a team that spends and balances to manage. It assigns cards to a person or to the company and defines budgets, merchant rules and approvals before spending happens.
How do cards, budgets and approvals work?+
Cards link to budgets that run from one IBAN without moving money between accounts. Managers set roles, approval steps and visibility, then approve or reject requests from a phone.
How does Vivid help with month end accounting?+
Receipts are scanned in the app and matched to payments with VAT included. The records export for the accountant, which reduces chasing paperwork at month end.
Which safety arrangements apply to customer funds?+
Vivid is regulated by the CSSF in Luxembourg. Client funds and uninvested funds are held segregated, while role access and approvals add further control over spending.
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 October 13, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Card type, Protection.