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Vivid Money review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Vivid Money suits people who want spare cash to earn interest while staying reachable, especially for shorter euro balances. Interest runs 1% to 3% on an easy access basis, and the monthly fee of €6.90 is the one cost to watch on the standard plan.

Key facts

Best for
Anyone parking euro cash for a short while and wanting instant access rather than a fixed term.
Headline rate
1% to 3%↗
Rate type
Fixed↗
Minimum deposit
€0.010↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Instant access to uninvested cash 24/7, no minimum balance, no fixed term↗
Monthly fee
€6.90↗
Account kind
Easy access↗
Regulators
Netherlands Authority for the Financial Markets (AFM)↗
Legal entity
Vivid Money B.V.↗
Headquarters
Netherlands↗
Founded
2019↗
Support channels
Email, Help-centre↗
Pricing model
Fixed rate
Official website
vivid.money

Brokers

Stock trade fee
€1↗
Account fee
€0↗
Markets
Stocks, ETFs, Crypto↗
Investor protection
EU ICS up to EUR 20,000↗
Account types
Corporate↗
Features
Rewards
Audience
Business

Credit cards

Annual fee
€0↗
Rewards type
Cashback↗
Rewards rate
0.1%-0.35% base, up to 10% on select categories↗
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↗
Cashback rate
0.1% to 10%↗

Crypto exchanges

Taker fee
2.25%↗
Coins listed
from 300↗
Fiat deposit methods
Bank, Card↗
Exchange type
Cex↗

Robo-advisors

Management fee
0.5% to 1.5%↗
Minimum investment
€2↗
Portfolio types
ETF, Cash, Crypto↗

Facts checked September 26, 2026, 13 sources

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilotfacebook.com

Pros and cons

Pros

  • Deposits start at €0.01, so you can begin with a small balance and build from there
  • Access to uninvested cash is instant, with no fixed term attached
  • The monthly fee is €6.90 on the account, well inside the site range of €169.97
  • Balances sit under EU DGS up to EUR 100,000, so deposits are covered up to the stated limit

Cons

  • A monthly fee of €6.90 applies, so a balance sitting idle for a long stretch earns less than it costs
  • The rate type is fixed, so the rate does not track rises the way a variable account would
  • Support runs on email and help centre only, with no phone line listed
Vivid Money

Ready to try Vivid Money?

Scored 8.5 / 10 by SumCue.

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Who it suits

  • People holding euro cash for weeks or months who need to withdraw at any time
  • Anyone who wants a low entry point and will not leave a balance idle for long
  • Readers who put safety first and care about deposit cover

Who should look elsewhere

  • Long savers who can commit funds, since Wise pays more at 3.29%
  • Readers wanting a monthly fee free savings account, since €6.90 applies every month
  • Anyone who wants to call support, because Vivid Money offers email and help centre only

Safety of your money

Your deposits sit under EU DGS up to EUR 100,000, which covers balances up to the stated ceiling. The firm is supervised by the Netherlands Authority for the Financial Markets (AFM), registered as MiCA CASP 7245009PWS7YLG3JPF78. Banking permissions also appear with the Commission de Surveillance du Secteur Financier (CSSF), Luxembourg, under W00000015, and with the Bank of Italy and Bank of Spain, which cover the Italian and Spanish branches.

Fees and currency costs

The entry point is low: a minimum deposit of €0.01 lets you start small, which matters most for quick in and out use. The monthly fee of €6.90 applies to the account, and it is the cost that matters most if a balance stays idle. Against the site range, where most accounts charge nothing monthly and the top end reaches €169.97, the fee is the reason to check your holding period.

How Vivid Money compares

Where Vivid Money is available

Available
France, Italy, Luxembourg, Netherlands, Spain
Licence in Luxembourg
Commission de Surveillance du Secteur Financier (CSSF), Luxembourg (W00000015), checked September 26, 2026
Licence in Netherlands
Dutch Authority for Financial Markets (AFM), checked September 26, 2026
Licence in Italy
Bank of Italy (Vivid Money S.A., Italian Branch) (368936), checked September 26, 2026
Licence in Spain
Bank of Spain (Vivid Money S.A., Sucursal en Espana) (6731), checked September 26, 2026
Licence in Netherlands
DeNederlandsche Bank (Vivid Money S.A., Netherlands Branch) (R199916), checked September 26, 2026
Licence in France
Banque de France (Vivid Money S.A., French branch), 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

How much interest does Vivid Money pay?+

The headline rate is 1% to 3%, and the rate type is fixed rather than variable. The site median for savings sits at 3%, so the offer here is close to the middle of what is available. Interest applies to uninvested cash sitting in the account.

Is there a minimum deposit?+

Yes, and it is very small. The minimum deposit is €0.01, so you can open the account and start with a small balance rather than a large transfer. Against a site median of €0.88, the entry point here is among the lowest on the site.

How much does the account cost each month?+

The monthly fee is €6.90. That charge applies to the account regardless of the balance, so it suits people who hold cash briefly and withdraw it again. If a balance sits for a long period, the fee can eat into the interest earned.

Is my money protected?+

Deposits are covered under EU DGS up to EUR 100,000, which sets out the ceiling for cover. The firm is supervised by the Netherlands Authority for the Financial Markets (AFM), listed as MiCA CASP 7245009PWS7YLG3JPF78. Banking permissions are also registered with the Bank of Italy and the Bank of Spain.

Can I get my money out quickly?+

Yes, access is instant for uninvested cash, and there is no fixed term to run out. The account kind is easy access, with no notice period attached. That suits anyone parking money for weeks rather than years, since there is nothing to withdraw early from.

Who is this account for?+

It suits people holding euro cash for a short period, and also businesses looking for somewhere to sit spare funds. The audience is business as well as personal, and the corporate plan sits alongside it. If you can commit for longer, a term deposit paying 0% to 36% may earn more.

How does the rate compare with others?+

The headline rate here is 1% to 3%. Wise pays 3.29% and bunq pays 3.01%, both higher, though they come with their own account terms. The site median is 3%, and the top quartile reaches 4.15%.

What support can I get?+

Support runs on email and help centre. That means email and a help centre, with no phone line listed in the details. If you prefer to ring someone when a payment or transfer needs sorting, a provider with phone support may suit you better.

Sources

Compiled from 14 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

Vivid Money

Vivid Money

Anyone parking euro cash for a short while and wanting instant access rather than a fixed term.

8.5/10See alternatives