Grasshopper vs Vivid Money.
Grasshopper (G72/100) 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 Grasshopper 6-2.
| G Grasshopper №29 · OCC 72 /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 | 72 /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 | Partner-bank OCC | 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 | 4.2 ★ iOS 4.3 · And 4.0 | 4.5 ★ iOS 4.5 · And 4.5 |
| Read review → | Read review → | |
Pick Grasshopper if…
The OCC-chartered US national bank for startups — the structural distinction from Mercury / Brex / Bluevine / Rho is that Grasshopper IS the bank. Direct FDIC cover at the chartered-bank level, multi-bank Cash Sweep extending to $25M. Free business checking with API access. The structural fit for US-incorporated startups wanting a real bank relationship rather than a partner-bank fintech.
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 Grasshopper won 1 of 2
- Best for reach Vivid Money won 3 of 3
- Best for ux Vivid Money won 2 of 2
Grasshopper vs Vivid Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Grasshopper better than Vivid Money?
Under our v3 methodology, Vivid Money leads Grasshopper 6–2 across 12 dimensions. Composite scores: Grasshopper 72/100 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 Grasshopper or Vivid Money cheaper?
Monthly fee — Grasshopper: €0; Vivid Money: €0. Card FX markup — Grasshopper: 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, Grasshopper or Vivid Money?
Grasshopper holds a Partner-bank licence under OCC; 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. Grasshopper is the stronger pick on regulatory protection.
Where can I use Grasshopper and Vivid Money?
Grasshopper 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.