Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Vivid Plus 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 Plus suits people who want a euro account with a metal card, sub-accounts and an interest rate pocket in one place. The standard plan has an annual fee of €0 and pays 1% to 3% on the interest rate pocket, which is easy access rather than a term deposit.

Key facts

Best for
Euro users who want a metal card, several IBANs and an interest rate pocket.
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%↗
Regulators
Netherlands Authority for the Financial Markets (AFM)↗
Legal entity
Vivid Money B.V.↗
Headquarters
Netherlands↗
Founded
2019↗
Support channels
Help-centre, Chat, Phone↗
Pricing model
No annual fee
Features
Rewards
Audience
Business
Official website
vivid.money

Brokers

Minimum deposit
€0.010↗
Stock trade fee
€1↗
Account fee
€0↗
Markets
Stocks, ETFs, Crypto↗
Investor protection
EU ICS up to EUR 20,000↗

Savings

Headline rate
1% to 3%↗
Rate type
Fixed↗
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↗

Crypto exchanges

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

Facts checked September 26, 2026, 10 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInXTrustpilot

Pros and cons

Pros

  • Cashback of 0.1%-0.35% base, up to 10% on select categories on card spend, with the higher rates on select categories
  • Uninvested cash is reachable straight away: the account kind is easy access and the minimum deposit is €0.01
  • Perks cover a metal physical card, a virtual card, multiple IBANs, free SEPA transfers and sub-accounts: Multiple IBANs, Free SEPA transfers and Up to €1,000 free ATM withdrawals globally (Vivid Prime)
  • Deposits are covered by the EU deposit guarantee scheme: EU DGS up to EUR 100,000

Cons

  • The metal card and the wider ATM allowance (Multiple IBANs, Free SEPA transfers and Up to €1,000 free ATM withdrawals globally (Vivid Prime)) sit on the Vivid Prime tier, billed at €6.90 a month
  • The interest rate pocket pays a fixed rate, so 1% to 3% is set by the provider rather than the market
  • Investing and crypto add costs: stock trades cost €1 and the crypto taker fee is 2.25%
Vivid Plus

Ready to try Vivid Plus?

Scored 8.8 / 10 by SumCue.

See alternatives

Who it suits

  • Euro users in the EU who want spending and saving in one account
  • Business users who need multiple IBANs and sub-accounts to separate money
  • People who want a metal card and a virtual card together

Who should look elsewhere

  • Varo Believe Secured Credit Card, if you want to build a credit history rather than hold cash
  • Starling Personal Account Debit Card, if you want a UK personal current account in pounds
  • Wise, if travel conversions and holding many currencies matter more than card perks

The company behind it

Vivid Money B.V. runs the service from the Netherlands and was founded in 2019. It is authorised by the Netherlands Authority for the Financial Markets (AFM) under licence MiCA CASP 7245009PWS7YLG3JPF78. Support runs on help centre, chat and phone, so a help centre, live chat and a phone line are offered. The same entity holds the deposits, the payment account and the crypto side of the offer.

How Vivid Plus compares

Where Vivid Plus 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 Plus cost to hold?+

The annual fee is €0 and the account fee is €0, so the standard plan carries no charge. A paid tier exists at €6.90 a month. Card spending earns cashback of 0.1%-0.35% base, up to 10% on select categories, with more on select categories.

Is my money protected if Vivid Plus fails?+

Deposits sit under the EU deposit guarantee scheme: EU DGS up to EUR 100,000. The provider is authorised by the Netherlands Authority for the Financial Markets (AFM) under licence MiCA CASP 7245009PWS7YLG3JPF78. Investment balances carry a separate investor protection of EU ICS up to EUR 20,000, at a lower limit.

Can I get at my cash whenever I want?+

Uninvested cash can be drawn down straight away. The account kind is easy access and the minimum deposit is €0.01, so a small top-up is enough to open the pocket and start earning on it.

What rate do I earn on the interest rate pocket?+

The headline rate is 1% to 3% and the rate type is fixed rather than variable. Money in that pocket stays easy access, so it can be taken out whenever you want, and cash held outside the pocket does not earn this rate.

Can I invest and trade crypto on the same account?+

Markets covered are stocks, etfs and crypto. Stock trades cost €1 and the crypto taker fee is 2.25%, with from 300 coins available. The crypto side is a centralised exchange, and funding arrives by bank transfer or by card.

What card and account features come with it?+

Perks include Multiple IBANs, Free SEPA transfers and Up to €1,000 free ATM withdrawals globally (Vivid Prime). The sub-accounts suit people who want to ring-fence money for different goals, and the wider ATM allowance applies on the Vivid Prime tier. Multiple IBANs separate incoming payments from day to day spending, and a metal and a virtual card are both included.

Who is Vivid Plus aimed at?+

The stated audience is business users, and the plans run in euros rather than pounds. Multiple IBANs and sub-accounts help separate incoming client money from personal spending. Support runs on help centre, chat and phone, with chat and phone lines offered.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Currency conversion fee.

Vivid Plus

Vivid Plus

Euro users who want a metal card, several IBANs and an interest rate pocket.

8.8/10See alternatives