AngelList Stack vs Vivid Money.
AngelList Stack (A66/100) 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 AngelList Stack 6-2.
| A AngelList Stack №44 · FDIC 66 /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 | 66 /100 | 62 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | $0 /mo | €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 | Partner-bank FDIC | E-money inst. |
| Deposit guarantee Per depositor | $250,000 US.FDIC | 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 | — | 4.5 ★ iOS 4.5 · And 4.5 |
| Read review → | Read review → | |
Pick AngelList Stack if…
The integrated startup stack — incorporation + EIN + banking + cap table + payroll in one flow. Built specifically for pre-Series-A founders using AngelList Venture for SAFE management. Reduces the typical Stripe Atlas + Mercury + Carta setup time from 2-3 weeks to a single guided flow. Partner-bank fintech for the banking leg; the integration value is the moat, not the bank product itself.
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 AngelList Stack won 1 of 2
- Best for reach Vivid Money won 3 of 3
- Best for ux Vivid Money won 2 of 2
AngelList Stack vs Vivid Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is AngelList Stack better than Vivid Money?
Under our v3 methodology, Vivid Money leads AngelList Stack 6–2 across 12 dimensions. Composite scores: AngelList Stack 66/100 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 AngelList Stack or Vivid Money cheaper?
Monthly fee — AngelList Stack: $0; Vivid Money: €0. Card FX markup — AngelList Stack: 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, AngelList Stack or Vivid Money?
AngelList Stack holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. 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. AngelList Stack is the stronger pick on regulatory protection.
Where can I use AngelList Stack and Vivid Money?
AngelList Stack 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.