Vivid Money Testbericht 2026: Bankgeschäfte, Geldanlagen und Cashback in einer App
🟡 Vivid Money ist keine Bank
Vivid Money verfügt über eine Zulassung als E-Geld-Institut in Luxemburg und eine MiFID-II-Lizenz als Wertpapierfirma in den Niederlanden. Ihre Kontoguthaben sind geschützt , fallen jedoch nicht unter das EU-Einlagensicherungssystem . Für Einlagensicherheit sollten Sie stattdessen eine voll lizenzierte EU-Bank in Betracht ziehen.
Übersicht
SME-focused business banking (as of the March 2025 retail-exit pivot) with a multi-IBAN Pockets model (up to 15 country-specific IBANs in one account) plus an attached MiFID II brokerage and a MiCAR-licensed crypto surface — a combination no other EU SME banking product matches.
Für wen ist Vivid am besten geeignet?
SMEs and freelancers operating across Germany, France, Spain, Luxembourg, and the Netherlands. On 13 March 2025 Vivid discontinued development of its consumer product to focus entirely on business banking; existing retail accounts remain open in maintenance mode, but new consumer-feature investment has stopped.
Regulatorischer Status
Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services
Preispläne
| Tarif | Preis | Wichtigste Vorteile |
|---|---|---|
| Standard | Free* | Free if ≥1 card payment/month or €1,000 balance; otherwise €3.90 maintenance fee |
| Prime | €9.9/mo | Higher cashback limits, premium features, enhanced investment tools |
*Kostenlos bei ≥1 Kartenzahlung/Monat oder einem Guthaben von 1.000 €; andernfalls 3,90 €/Monat
Wichtigste Funktionen
- Multi-IBAN Pockets (up to 15) with German, Spanish, Italian, French, Luxembourgish, or Dutch IBANs — attractive for cross-border SME invoicing
- Business-tier card spend with tiered cashback (up to 25% at partner brands, 1% baseline within caps)
- Fractional investing via Vivid Capital (MiFID II) in 3,000+ stocks and ETFs from €1; €1 flat trade fee
- 300+ crypto assets under the MiCAR CASP licence (granted May 2025)
- Instant SEPA transfers; multi-currency sub-accounts at no extra cost
- Standard tier €0/month if ≥1 card payment per month or €1,000 balance, otherwise €3.90; Prime tier €9.90/month
- Retail products: still accessible to existing retail customers but no new consumer features in development since the March 2025 pivot
Vor- und Nachteile
✅ Vorteile
- • Multi-IBAN Pockets (up to 15) with German, Spanish, Italian, French, Luxembourgish, or Dutch IBANs — attractive for cross-border SME invoicing
- • Business-tier card spend with tiered cashback (up to 25% at partner brands, 1% baseline within caps)
- • Fractional investing via Vivid Capital (MiFID II) in 3,000+ stocks and ETFs from €1; €1 flat trade fee
- • 300+ crypto assets under the MiCAR CASP licence (granted May 2025)
- • Instant SEPA transfers; multi-currency sub-accounts at no extra cost
❌ Nachteile
- • Accounts blocked or closed without explanation — funds frozen
- • Cashback for free-tier users is very limited
- • Cashback sometimes delayed or not credited
- • Customer support slow to respond and resolve issues
- • Stock price feeds reported as stale during market hours
- • Smaller brand recognition vs. Revolut/N26
Reise-Funktionen
Alle Banken für Reisen vergleichen →Devisenhandel
Kein AufschlagMastercard rate on card spend. 1.5% non-EUR transaction fee on Standard; reduced on Prime tier. Better than high-street banks but not as competitive as Revolut/Wise.
Geldautomat im Ausland
200 € kostenlos/MonatStandard: €200 free ATM/month, then 2%. Prime: €400 free/month.
Reiseversicherung
No travel insurance included on any tier.
Flughafen-Lounge
No airport lounge access.
Mehrere Währungen
Multi-IBAN Pockets allow up to 15 currency sub-accounts. Unique: choose German, Spanish, or Italian IBAN for your main account.
Reise-Vorteile
- • Multi-IBAN Pockets — hold funds in local currency before travel
- • Cashback at travel partners (hotels, airlines) on Prime tier
- • Instant notifications on foreign spend
- • Up to 25% cashback at Booking.com and other travel brands (Prime)
Dienste: Krypto, Investieren & Sparen
Kryptowährung
Verfügbar- • Buy & sell 300+ cryptocurrencies
- • Real-time pricing
- • Fractional crypto from €1
- • Cashback rewards on crypto purchases (Prime)
- • Crypto portfolio tracking
Custodial; MiCAR authorised crypto-asset service provider in EU
Krypto bei EU-Neobanken vergleichen →Investitionen
VerfügbarMiFID II investment firm licence in Netherlands; fractional investing from €1
Investieren bei EU-Neobanken vergleichen →Sparen
VerfügbarECB deposit rate linked
Up to 5% promo rate for new business accounts; standard rates ECB-linked
Sparzinsen bei EU-Neobanken vergleichen →Geschäftskonto
VerfügbarBuchhaltung: DATEV, Lexoffice
Pivoted entirely to SME/business banking in March 2025 — no longer offers retail personal banking as standalone. SoftBank-backed. Available in Germany, France, Spain, Netherlands, Luxembourg. DATEV integration strong for German businesses.
Alle Geschäftskonten vergleichen →Premium-Tarife
Premium-Tarife aller Banken vergleichen →- • Up to 15 currency sub-pockets
- • Multi-IBAN (German/Spanish/Italian)
- • 300+ crypto + 3,000+ stocks from €1
- • Up to 3% cashback with partners
- • Metal card
- • Up to 25% cashback (Spotify, Starbucks etc.)
- • Enhanced investment tools
- • Higher trading & ATM limits
- • Priority support
| Merkmal | Standard Kostenlos | Prime 9.9 €/Monat ★ Bestes Angebot |
|---|---|---|
| Metallkarte | — | ✓ |
| Reiseversicherung | — | — |
| Flughafen-Lounge | — | — |
| Kostenlose Geldautomaten/Monat | €200 | €400 |
| Kostenloser Devisenhandel/Monat | — | — |
| Sparzins | ECB-linked | ECB-linked |
| Cashback | Up to 3% with partner brands | Up to 25% with partner brands |
| Top-Vorteile |
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Unser Fazit
Vivid Money ist die ambitionierteste All-in-One-App in der EU – Banking, Aktieninvestitionen, Kryptowährungen und Cashback-Prämien unter einem Dach. Das Multi-IBAN -Pockets-Modell ist wirklich nützlich, um Finanzen nach Verwendungszweck zu trennen. Das größte Problem ist der regulatorische Status: Als EMI genießen Ihre Gelder keinen Einlagenschutz durch die Einlagensicherung (DGS). Am besten geeignet für technisch versierte Nutzer, die ein Konto mit Schwerpunkt auf Investitionen suchen und bereits eine voll lizenzierte Bank für ihre Ersparnisse haben.