Reseña de Vivid Money 2026: operaciones bancarias, inversiones y reembolsos en una sola aplicación
🟡 Vivid Money no es un banco
Vivid Money cuenta con una autorización como entidad de dinero electrónico en Luxemburgo y una licencia de empresa de inversión MiFID II en los Países Bajos. Los fondos de tu cuenta están protegidos, pero no cubiertos por el Sistema de Garantía de Depósitos de la UE . Para la protección de depósitos, considera en su lugar un banco de la UE con licencia completa.
Resumen
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.
¿Para quién es ideal Vivid?
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.
Situación normativa
Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services
Planes de precios
| Plan | Precio | Ventajas principales |
|---|---|---|
| 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 |
*Gratis si se realiza al menos un pago con tarjeta al mes o se mantiene un saldo de 1.000 €; en caso contrario, 3,90 € al mes
Características principales
- 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
Ventajas y desventajas
✅ Ventajas
- • 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
❌ Contras
- • 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
Funciones de viaje
Comparar todos los bancos para viajar →Cambio de divisas
Sin recargoMastercard 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.
Cajero en el extranjero
200 € gratis/mesStandard: €200 free ATM/month, then 2%. Prime: €400 free/month.
Seguro de viaje
No travel insurance included on any tier.
Sala VIP aeropuerto
No airport lounge access.
Multidivisa
Multi-IBAN Pockets allow up to 15 currency sub-accounts. Unique: choose German, Spanish, or Italian IBAN for your main account.
Ventajas de viaje
- • 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)
Servicios: Cripto, inversión y ahorro
Criptomoneda
Disponible- • 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
Comparar cripto en neobancos europeos →Inversiones
DisponibleMiFID II investment firm licence in Netherlands; fractional investing from €1
Comparar inversión en neobancos europeos →Ahorro
DisponibleECB deposit rate linked
Up to 5% promo rate for new business accounts; standard rates ECB-linked
Comparar tasas de ahorro en neobancos europeos →Banca empresarial
DisponibleContabilidad: 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.
Comparar todas las cuentas de empresa →Planes premium
Comparar planes premium de todos los bancos →- • 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
| Característica | Standard Gratis | Prime 9.9 €/mes ★ Mejor valor |
|---|---|---|
| Tarjeta metálica | — | ✓ |
| Seguro de viaje | — | — |
| Sala VIP aeropuerto | — | — |
| Cajero gratis/mes | €200 | €400 |
| FX gratis/mes | — | — |
| Tasa de ahorro | ECB-linked | ECB-linked |
| Cashback | Up to 3% with partner brands | Up to 25% with partner brands |
| Mejores ventajas |
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Nuestro veredicto
Vivid Money es la aplicación «todo en uno» más ambiciosa de la UE: banca, inversión en bolsa, criptomonedas y recompensas en efectivo todo en un mismo lugar. Su modelo de carteras multiIBAN es resulta realmente útil para separar las finanzas por finalidad. La principal preocupación es su estatus regulatorio: al ser un EMI, tus fondos carecen de la protección de depósitos del DGS. Ideal para usuarios con conocimientos tecnológicos que buscan una cuenta centrada en la inversión y que ya cuentan con un banco con licencia completa para sus ahorros.