Vivid Standard

4.8 9.6/10 DebitCue Score Verified Jun 20, 2026

Free everyday banking with cashback and global payments

Fee: No fee; Free for active customers (≥1 card transaction/month OR ≥€1,000 account balance); otherwise €3.90/month inactivity fee applies
Foreign fee: None
Rewards: Cash back

Rewards

Up to €20/month cashback on card purchases across up to 3 selected categories and Vivid Shopper brand offers. Base rate ~0.2%; selected brands can reach higher percentages. Cashback eligibility requires ≥€1,000 account balance or ≥€100 in holding assets at end of previous month.

Welcome offer

New accounts can receive a €40 cashback bonus after making three separate €10+ purchases on different days within 90 days of opening.

Our verdict

What stands out, and where it falls short.

What we like

Up to €20/month cashback on card purchases across up…
Welcome bonus
No card fee
No foreign transaction fees

Who It Is For

Whether the Vivid Standard fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: No fee
Foreign transaction fee: None
Monthly account fee: €0 (active customers); €3.90 inactivity fee otherwise
ATM withdrawals: Free up to €200/month (min. €50 per withdrawal); 3% fee (min. €1) above limit
Cashback cap: Up to €20/month across up to 3 categories

Rewards and features

Rewards: Up to €20/month cashback on card purchases across up to 3 selected categories and Vivid Shopper brand offers. Base rate ~0.2%; selected brands can reach higher percentages. Cashback eligibility requires ≥€1,000 account balance or ≥€100 in holding assets at end of previous month.
Welcome offer: New accounts can receive a €40 cashback bonus after making three separate €10+ purchases on different days within 90 days of opening.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Pockets (sub-accounts): Up to 3 separate SEPA IBANs (multi-currency)
Card network: Visa debit (plastic card, customizable design)

Benefits and perks

Extras that come bundled with the card.

No foreign transaction fee

Fee-free card payments worldwide; 0% FX surcharge when spending from a pre-loaded Travel Pocket currency
Virtual card for secure online purchases

No card number printed on physical card; full card details only accessible in-app, reducing fraud exposure

Vivid Standard: your questions answered

Does the Vivid Standard have a card fee?

No - the Vivid Standard has no card fee.

What rewards does the Vivid Standard earn?

The Vivid Standard earns Up to €20/month cashback on card purchases across up to 3 selected categories and Vivid Shopper brand offers. Base rate ~0.2%; selected brands can reach higher percentages. Cashback eligibility requires ≥€1,000 account balance or ≥€100 in holding assets at end of previous month..

Does the Vivid Standard charge foreign transaction fees?

No - the Vivid Standard has no foreign transaction fees, so it suits spending abroad.

Does the Vivid Standard have a welcome offer?

Yes - New accounts can receive a €40 cashback bonus after making three separate €10+ purchases on different days within 90 days of opening..

Is the Vivid Standard a credit, debit or prepaid card?

The Vivid Standard is a debit card issued by Vivid Money on the Visa network.

Does the Vivid Standard support Apple Pay and Google Pay?

Yes - the Vivid Standard works with both Apple Pay and Google Pay.

Where can I get the Vivid Standard?

The Vivid Standard is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.

How does DebitCue rate the Vivid Standard?

DebitCue rates the Vivid Standard 4.8 out of 5 (9.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.