Lili vs Vivid Money.
Lili (L73/100) 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. A close tie.
| L Lili №26 · FDIC 73 /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 | 73 /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 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 | 4.7 ★ 1k reviews | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.5 ★ iOS 4.5 · And 4.5 |
| Read review → | Read review → | |
Pick Lili if…
The 1099-native US neobank — Tax Bucket auto-set-aside, pre-filled Schedule C / 1065 / 1120-S, and a quarterly tax estimator built into business checking. Where Mercury targets venture-funded startups and Bluevine targets lower-mid-market SMBs, Lili targets the solopreneur and 1099 freelancer who needs banking + bookkeeping + tax in one app. Sponsor bank moved from Choice Financial Group to Sunrise Banks, N.A. in 2024-2025; FDIC pass-through to $3M via sweep network now available on all tiers including the free Core plan.
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 Lili won 1 of 2
- Best for reach Vivid Money won 3 of 3
- Best for ux Lili won 2 of 2
Lili vs Vivid Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lili better than Vivid Money?
Lili and Vivid Money are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: Lili 73/100 vs Vivid Money 62/100. The right pick depends on which dimension you weight most heavily.
Is Lili or Vivid Money cheaper?
Monthly fee — Lili: €0; Vivid Money: €0. Card FX markup — Lili: 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, Lili or Vivid Money?
Lili 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. Lili is the stronger pick on regulatory protection.
Where can I use Lili and Vivid Money?
Lili 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.