Finom vs Vivid Money.
Finom (F64/100) 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. A close tie.
| F Finom №45 · DNB 64 /100 | V Vivid Money №47 · 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 | 64 /100 | 62 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.70% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | E-money inst. DNB | E-money inst. |
| Deposit guarantee Per depositor | Safeguarded EU.DGS.NL | Safeguarded EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 7 countries | 5 countries |
| Crypto Coins available | No | 300 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.5 ★ 8k reviews | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.5 ★ iOS 4.5 · And 4.5 |
| Read review → | Read review → | |
Pick Finom if…
The EU SMB-focused EMI platform that solves the multi-country invoicing-plus-accounting-integration problem better than Qonto, Wise Business, and Revolut Business — local IBAN issuance across NL/DE/FR/IT/ES/PL plus native DATEV / Lexoffice (Germany) and Pennylane (France) integrations is the workflow win for SMBs operating across multiple EU markets. The freelancer-plus-SMB onboarding is structurally paved across entity types (sole trader, GmbH, SARL, BV, SAS, Sp. z o.o., S.R.L.), making Finom the structural fit for German freelancers and EU operators who need country-specific local IBANs without running multiple bank relationships.
Pick Vivid Money if…
Pick if cashback on cards matters more than regulatory depth or rich product breadth.
- Best for fees Vivid Money won 2 of 4
- Best for protection Tied
- Best for reach Vivid Money won 2 of 3
- Best for ux Finom won 2 of 2
Finom vs Vivid Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Finom better than Vivid Money?
Finom and Vivid Money are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: Finom 64/100 vs Vivid Money 62/100. The right pick depends on which dimension you weight most heavily.
Is Finom or Vivid Money cheaper?
Monthly fee — Finom: €0; Vivid Money: €0. Card FX markup — Finom: 0.70%; Vivid Money: Interbank. Vivid Money wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Finom or Vivid Money?
Finom holds a E-money inst. licence under DNB; deposit guarantee per depositor: Safeguarded. 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. Both score equally on regulatory protection rows.
Where can I use Finom and Vivid Money?
Finom operates in 7 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.