Vivid Money vs Now Money.
Vivid Money (V62/100) and Now Money (N60/100), 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 Now Money 7-0.
| N Now Money №52 · CBUAE 60 /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 | 60 /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 | E-money inst. CBUAE | E-money inst. |
| Deposit guarantee Per depositor | Safeguarded AE.DPS | Safeguarded EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 5 countries |
| Crypto Coins available | No | 300 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.0 ★ iOS 4.0 · And 3.9 | 4.5 ★ iOS 4.5 · And 4.5 |
| Read review → | Read review → | |
Pick Now Money if…
Migrant-worker-focused EMI in the UAE. Built-in remittance to South Asia at competitive FX. CBUAE-supervised EMI; not a bank — funds are safeguarded, not deposit-insured. Fills the underbanked segment that Liv/Wio/Mashreq Neo don't directly serve.
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 Tied
- Best for reach Vivid Money won 3 of 3
- Best for ux Vivid Money won 2 of 2
Vivid Money vs Now Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Now Money better than Vivid Money?
Under our v3 methodology, Vivid Money leads Now Money 7–0 across 12 dimensions. Composite scores: Now Money 60/100 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 Now Money or Vivid Money cheaper?
Monthly fee — Now Money: €0; Vivid Money: €0. Card FX markup — Now Money: 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, Now Money or Vivid Money?
Now Money holds a E-money inst. licence under CBUAE; 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. Both score equally on regulatory protection rows.
Where can I use Now Money and Vivid Money?
Now Money operates in 1 country; 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.