Análise do Vivid Money 2026: Operações bancárias, investimentos e reembolsos numa única aplicação
🟡 O Vivid Money não é um banco
Vivid Money detém uma autorização de instituição de moeda eletrónica no Luxemburgo e uma licença de empresa de investimento MiFID II na Holanda. Os fundos da sua conta estão protegidos, mas não são cobertos pelo Sistema de Garantia de Depósitos da UE . Para proteção de depósitos, considere um banco da UE totalmente licenciado.
Visão geral
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.
Para quem é que o Vivid é mais adequado?
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.
Situação regulamentar
Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services
Planos de preços
| Plano | Preço | Principais vantagens |
|---|---|---|
| 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 |
*Gratuito se ≥1 pagamento com cartão/mês ou saldo de 1.000 €; caso contrário, 3,90 €/mês
Principais funcionalidades
- 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
Prós e contras
✅ Prós
- • 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
❌ Contras
- • 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
Recursos de viagem
Comparar todos os bancos para viagem →Câmbio
Sem markupMastercard 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.
Caixa no exterior
200 € grátis/mêsStandard: €200 free ATM/month, then 2%. Prime: €400 free/month.
Seguro viagem
No travel insurance included on any tier.
Sala VIP aeroporto
No airport lounge access.
Multimoeda
Multi-IBAN Pockets allow up to 15 currency sub-accounts. Unique: choose German, Spanish, or Italian IBAN for your main account.
Vantagens de viagem
- • 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)
Serviços: Cripto, investimento e poupança
Criptomoeda
Disponível- • 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
Comparar cripto nos neobancos europeus →Investimentos
DisponívelMiFID II investment firm licence in Netherlands; fractional investing from €1
Comparar investimento nos neobancos europeus →Poupança
DisponívelECB deposit rate linked
Up to 5% promo rate for new business accounts; standard rates ECB-linked
Comparar taxas de poupança nos neobancos europeus →Conta empresarial
DisponívelContabilidade: 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.
Comparar todas as contas empresariais →Planos premium
Comparar planos premium de todos os bancos →- • 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
| Recurso | Standard Grátis | Prime 9.9 €/mês ★ Melhor valor |
|---|---|---|
| Cartão metálico | — | ✓ |
| Seguro viagem | — | — |
| Sala VIP aeroporto | — | — |
| Caixa grátis/mês | €200 | €400 |
| Câmbio grátis/mês | — | — |
| Taxa de poupança | ECB-linked | ECB-linked |
| Cashback | Up to 3% with partner brands | Up to 25% with partner brands |
| Melhores vantagens |
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O nosso veredicto
Vivid Money é a aplicação «tudo-em-um» mais ambiciosa da UE — serviços bancários, investimento em ações, criptomoedas e recompensas de cashback num único local. O seu modelo multiIBAN e Pockets é genuinamente útil para separar as finanças por finalidade. A principal preocupação é o estatuto regulamentar: como EMI, os seus fundos não beneficiam da proteção de depósitos do DGS. Ideal para utilizadores com conhecimentos tecnológicos que pretendem uma conta focada no investimento e já dispõem de um banco totalmente licenciado para poupanças.