Avis sur Vivid Money 2026 : services bancaires, investissements et remises en argent dans une seule application
🟡 Vivid Money n'est pas une banque
Vivid Money détient une autorisation d'établissement de monnaie électronique au Luxembourg et une licence d'entreprise d'investissement MiFID II aux Pays-Bas. Les fonds de votre compte sont protégés mais ne sont pas couverts par le système européen de garantie des dépôts . Pour la protection des dépôts, envisagez plutôt une banque européenne entièrement agréée.
Aperçu
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.
À qui s'adresse 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.
Statut réglementaire
Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services
Tarifs
| Formule | Prix | Avantages clés |
|---|---|---|
| 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 |
*Gratuit si ≥ 1 paiement par carte/mois ou solde de 1 000 € ; sinon 3,90 €/mois
Principales fonctionnalités
- 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
Avantages et inconvénients
✅ Avantages
- • 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
❌ Inconvénients
- • 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
Fonctionnalités voyage
Comparer toutes les banques pour le voyage →Change
Sans margeMastercard 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.
DAB à l'étranger
200 € gratuit/moisStandard: €200 free ATM/month, then 2%. Prime: €400 free/month.
Assurance voyage
No travel insurance included on any tier.
Salon d'aéroport
No airport lounge access.
Multidevise
Multi-IBAN Pockets allow up to 15 currency sub-accounts. Unique: choose German, Spanish, or Italian IBAN for your main account.
Avantages voyage
- • 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)
Services : Crypto, investissement & épargne
Cryptomonnaie
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
Comparer les cryptos des néobanques européennes →Investissements
DisponibleMiFID II investment firm licence in Netherlands; fractional investing from €1
Comparer les investissements des néobanques européennes →Épargne
DisponibleECB deposit rate linked
Up to 5% promo rate for new business accounts; standard rates ECB-linked
Comparer les taux d'épargne des néobanques européennes →Banque entreprise
DisponibleComptabilité : 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.
Comparer tous les comptes professionnels →Plans premium
Comparer les plans premium de toutes les banques →- • 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
| Caractéristique | Standard Gratuit | Prime 9.9 €/mois ★ Meilleur rapport qualité-prix |
|---|---|---|
| Carte métal | — | ✓ |
| Assurance voyage | — | — |
| Salon d'aéroport | — | — |
| DAB gratuit/mois | €200 | €400 |
| Change gratuit/mois | — | — |
| Taux d'épargne | ECB-linked | ECB-linked |
| Cashback | Up to 3% with partner brands | Up to 25% with partner brands |
| Meilleurs avantages |
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Notre verdict
Vivid Money C'est l'application tout-en-un la plus ambitieuse de l'UE : services bancaires, investissement boursier, cryptomonnaies et remises en argent sous un même toit. Son modèle multi-IBAN , « Pockets », est vraiment utile pour séparer ses finances par objectif. Le principal souci concerne le statut réglementaire : en tant qu'IME, vos fonds ne bénéficient pas de la protection des dépôts du DGS. Idéal pour les utilisateurs férus de technologie qui souhaitent un compte axé sur l'investissement et qui disposent déjà d'une banque agréée pour leur épargne.