Vivid Business and Personal 4+
Accounts, Cards, High Interest
Vivid Money GmbH
Designed for iPhone
-
- Free
iPhone Screenshots
Description
Over 1 million Europeans have downloaded the app to grow their money with Vivid.
—VIVID BUSINESS—
Online Registration in Minutes
No in-person steps—friendly and individualised onboarding based on your situation.
Honest Free Subscription
Get started with our free plan or test any paid plan of your choice with a 2-month free trial.
Mobile and Web Access
Organise your finances anywhere, anytime from our mobile or web app.
Multiple Accounts, Multiple IBANs
Open up to 30 accounts with individual German IBANs.
Receive and Send Money Instantly
Accept and send payments in a few seconds with SEPA Instant, or accept funds internationally with SWIFT transfers.
Unlimited Free Cards
— Issue as many physical and virtual cards as you want.
— Personalise them with different colours and your company’s name.
— Full online card management: issue, freeze and set limits in a few taps.
No Limit on Card Usage
— Use your card as much as you like—we won’t block you for being active.
— High spending limits on each card to match your needs.
Earn 5% a Year on Your Funds
Invest your money in an account with a positive interest rate of 5% per year for the first 2 months, after up to 3.5%*.
Fast Human Support
— Quick support through chat, email or WhatsApp.
— 24/7 availability.
*The promotion is valid for the first 2 months after opening an Interest Account for all plans. After, you’ll receive the regular interest rate as per your plan. This rate applies to funds up to 10 000 000 EUR.
—VIVID PERSONAL—
Master Your Finances
Open up to 15 distinctive 'Pockets' with their own IBAN for free.
Full Control of Your Cards
— Change your PIN at any time.
— Freeze and unfreeze your cards in your app.
— Set monthly limits.
— Request new credentials.
— Turn on and off withdrawals, online transactions and contactless.
Personalised cards
Pick your colour, create your own design or choose a pre-existing one for your cards.
Seamless Payments
SEPA transfers and secure payments with our physical or virtual cards.
Gain Cashback Every Day
— Earn up to 4% cashback on ever-changing monthly categories.
— Embark on your travel adventures and enjoy up to 10% cashback on hotel and car bookings.
— Make online purchases through your app and get cashback on select brands and merchants
Elevate Your Transactions
Effortlessly send and request funds via phone number or IBAN. Experience the blitz of Vivid Pay transfers among Vivid customers.
Monitor & Strategize
Our intuitive in-app analytics offer clear insights into your spending patterns and monthly financial reports.
Streamline Your Payments
Divide bills and pre-plan future payments.
Confident Cash Withdrawals
— Withdraw money in ATMs worldwide.
— Your withdrawals are free of charge up to €1,000 per month.
State-of-the-art Security:
— Get immediate notifications for each transaction.
— Your card’s CVV is only visible from your app.
— Turn on biometric login for your account.
Earn 5% a Year on Your Funds
Invest your money in an account with a positive interest rate of 5% per year for the first 2 months, after up to 4%*.
Accounts, cards and payment services for Vivid Business and Personal are provided by Vivid Money S.A.
Investing services, Interest accounts and Interest Rate Pockets are provided by Vivid Money B.V. and Cryptocurrency services are provided by Vivid Digital S.r.l.
Most customers who joined before 24/01/2024 have personal accounts provided by Vivid Money GmbH, which is the outsourcing partner of Solaris SE.
More info on vivid.money.
*The promotion is valid for the first 2 months after opening an Interest Account for all plans. After, you’ll receive the regular interest rate as per your plan. This rate applies to funds up to 100 000 EUR.
What’s New
Version 3.18.0
VIVID BUSINESS
Freelancers can now open a Vivid Business account, free of charge! Get unlimited Instant SEPA transfers, issue free visa cards and access your account on both mobile and web apps.
VIVID PERSONAL
Open an Interest Rate Pocket and get an unbeatable 5% annual interest rate for the first 2 months! Continue earning afterwards with a 4% annual interest rate with Prime or 2% with Standard. Instant top-ups and withdrawals 24/7.
Ratings and Reviews
Very bad experience
After a less-than-ideal experience with JoomPay in Luxembourg, which was later acquired by Vivid Money, I decided to give financial services another chance. Embracing the promise of a fresh start, I opened an account with Vivid Money, indulged in the allure of their metal credit cards, and with a blend of curiosity and optimism, transferred a modest sum of €2,500 from my personal account to my new Vivid account. In my extensive 30-year career as a financial and legal expert, navigating through the banking systems of Europe, I viewed this amount as trivial, hardly warranting a second glance from compliance teams globally.
To my astonishment, Vivid Money requested additional information for this transaction, an inquiry that, despite its seeming triviality, I complied with, albeit with a smile at the perceived overcaution. However, my amusement quickly faded when I discovered that supporting documents could not be sent via their app due to a 512-character limit on messages—a baffling oversight. Seeking resolution, I contacted customer service, only to be told they were not in communication with the compliance team and advised to wait.
During this period, my account, along with my funds and the metal cards I had acquired, was frozen over the deposit of a mere €2,700 from an account bearing my name. The irony of this situation did not escape me, prompting me to request the closure of my account, a process I am now resigned to endure through their "biblical" timing.
From my perspective, engaging with Vivid Money is an exercise in patience and, unfortunately, frustration. The experience suggests a disconnect in their approach to customer interaction and operational efficiency, particularly when compared to the standards set by AA-rated banks. It's disheartening to witness a service falter not only in its infancy as JoomPay but seemingly persist in these challenges under the Vivid Money brand. The essence of banking, especially in today's fast-paced world, hinges on trust, efficiency, and a seamless user experience—qualities that, based on my experience, are in dire need of reassessment at Vivid Money.
For those considering Vivid Money, I urge caution and due diligence. The financial landscape is rich with alternatives that respect the value of your time and the importance of unimpeded access to your funds. As someone who has navigated the complexities of European banking for decades, I can attest that there are far better options available—services that enable you to manage your money without undue hindrance or uncertainty.
Events
App Privacy
The developer, Vivid Money GmbH, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- Identifiers
- Usage Data
- Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Contacts
- User Content
Privacy practices may vary based on, for example, the features you use or your age. Learn More
Information
- Provider
- Vivid Money GmbH has not identified itself as a trader for this app. If you are a consumer in the European Economic Area, consumer rights do not apply to agreements between you and the provider.
- Size
- 443.3 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 15.0 or later.
- iPod touch
- Requires iOS 15.0 or later.
- Mac
- Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English, French, German, Italian, Spanish
- Age Rating
- 4+
- Copyright
- © Vivid Money GmbH
- Price
- Free
Supports
-
Wallet
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