Vivid Money vs Qonto.
Vivid Money (V62/100) and Qonto (Q51/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Vivid Money leads Qonto 7-3.
| Q Qonto №70 · Payment institution license 51 /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 | 51 /100 | 62 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €9 /mo | €0 Free tier |
| FX markup Debit card abroad | 1.70% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Payment inst. | E-money inst. |
| Deposit guarantee Per depositor | Safeguarded EU.DGS.FR | Safeguarded EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 8 countries | 5 countries |
| Crypto Coins available | No | 300 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.8 ★ 50k reviews | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.8 · And 4.3 | 4.5 ★ iOS 4.5 · And 4.5 |
| Read review → | Read review → | |
Pick Qonto if…
Pick if you run an EU SME and need multi-currency invoicing, accounting integrations, and proper receipts.
Pick Vivid Money if…
Pick if cashback on cards matters more than regulatory depth or rich product breadth.
- Best for fees Vivid Money won 3 of 4
- Best for protection Vivid Money won 1 of 2
- Best for reach Vivid Money won 2 of 3
- Best for ux Qonto won 2 of 2
Vivid Money vs Qonto — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Qonto better than Vivid Money?
Under our v3 methodology, Vivid Money leads Qonto 7–3 across 12 dimensions. Composite scores: Qonto 51/100 vs Vivid Money 62/100. Vivid Money is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Qonto or Vivid Money cheaper?
Monthly fee — Qonto: €9; Vivid Money: €0. Card FX markup — Qonto: 1.70%; Vivid Money: Interbank. Vivid Money wins more fee rows (3 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Qonto or Vivid Money?
Qonto holds a Payment inst. licence under Payment institution license (France, 2018); EU passport across served markets; filed for full French banking license in July 2025; 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. Vivid Money is the stronger pick on regulatory protection.
Where can I use Qonto and Vivid Money?
Qonto operates in 8 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.