Zand vs Vivid Money.
Zand (Z77/100) 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. Vivid Money leads Zand 5-3.
| 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 | Z Zand №15 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 62 /100 | 77 /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 | E-money inst. | Full bank CBUAE |
| Deposit guarantee Per depositor | Safeguarded EU.DGS.DE | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 5 countries | 1 country |
| Crypto Coins available | 300 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 8k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.5 | 4.2 ★ iOS 4.3 · And 4.0 |
| Read review → | Read review → | |
Pick Vivid Money if…
Pick if cashback on cards matters more than regulatory depth or rich product breadth.
Pick Zand if…
UAE's first fully-digital full bank — CBUAE-licensed since 2021. Holds its own banking licence (not a partner-bank). Both retail and corporate banking offered. Adds full-bank diversity to the UAE set alongside Wio.
- Best for fees Vivid Money won 1 of 4
- Best for protection Zand won 2 of 2
- Best for reach Vivid Money won 2 of 3
- Best for ux Vivid Money won 2 of 2
Zand vs Vivid Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Vivid Money better than Zand?
Under our v3 methodology, Vivid Money leads Zand 5–3 across 12 dimensions. Composite scores: Vivid Money 62/100 vs Zand 77/100. Vivid Money is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Vivid Money or Zand cheaper?
Monthly fee — Vivid Money: €0; Zand: €0. Card FX markup — Vivid Money: Interbank; Zand: 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, Vivid Money or Zand?
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. Zand holds a Full bank licence under CBUAE; deposit guarantee per depositor: €250,000. Zand is the stronger pick on regulatory protection.
Where can I use Vivid Money and Zand?
Vivid Money operates in 5 countries; Zand operates in 1 country. 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.