N26 vs Vivid Money.
N26 (N85/100) 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. N26 leads Vivid Money 6-2.
| N N26 №03 · BaFin 85 /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 | 85 /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 BaFin | E-money inst. |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DE | Safeguarded EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 24 countries | 5 countries |
| Crypto Coins available | 400 coins | 300 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.1 ★ 130k reviews | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.8 · And 4.4 | 4.5 ★ iOS 4.5 · And 4.5 |
| Read review → | Read review → | |
Pick N26 if…
Pick if you want a German credit institution and a DE IBAN that every European employer recognises without question.
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 N26 won 2 of 2
- Best for reach N26 won 2 of 3
- Best for ux Tied
N26 vs Vivid Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is N26 better than Vivid Money?
Under our v3 methodology, N26 leads Vivid Money 6–2 across 12 dimensions. Composite scores: N26 85/100 vs Vivid Money 62/100. N26 is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is N26 or Vivid Money cheaper?
Monthly fee — N26: €0; Vivid Money: €0. Card FX markup — N26: 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, N26 or Vivid Money?
N26 holds a Full bank licence under BaFin; 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. N26 is the stronger pick on regulatory protection.
Where can I use N26 and Vivid Money?
N26 operates in 24 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.