bunq vs Vivid Money.
bunq (b87/100) and Vivid Money (V62/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. bunq leads Vivid Money 5-4.
| b bunq №02 · DNB 87 /100 | V Vivid Money №39 · Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services 62 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 62 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank DNB | E-money inst. |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 5 countries |
| Crypto Coins available | No | 300 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | 4.2 ★ 8k reviews |
| App store iOS + Android avg | — | 4.5 ★ iOS 4.5 · And 4.5 |
| Read review → | Read review → | |
Pick bunq if…
Pick if you travel constantly and want unlimited free FX with a Dutch licence — €3.99/mo for the Easy Bank tier.
Pick Vivid Money if…
Pick if cashback on cards matters more than regulatory depth or rich product breadth.
- Best for fees Vivid Money won 1 of 4
- Best for protection bunq won 2 of 2
- Best for reach Vivid Money won 2 of 3
- Best for ux Tied
bunq vs Vivid Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Vivid Money?
Under our v3 methodology, bunq leads Vivid Money 5–4 across 12 dimensions. Composite scores: bunq 87/100 vs Vivid Money 62/100. bunq is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is bunq or Vivid Money cheaper?
Monthly fee — bunq: €0; Vivid Money: €0. Card FX markup — bunq: Interbank; Vivid Money: Interbank. Vivid Money wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, bunq or Vivid Money?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Vivid Money holds a E-money inst. licence under Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and Vivid Money?
bunq operates in 30 countries; Vivid Money operates in 5 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.