Vivid Money vs Penta.
Vivid Money (V62/100) and Penta (P61/100), 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 Penta 9-0.
| P Penta №49 · BaFin 61 /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 | 61 /100 | 62 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €9 /mo | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Partner-bank BaFin | E-money inst. |
| Deposit guarantee Per depositor | Safeguarded No DGS | 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 | 3.2 ★ 0k reviews | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.1 ★ iOS 4.2 · And 4.0 | 4.5 ★ iOS 4.5 · And 4.5 |
| Read review → | Read review → | |
Pick Penta if…
The German SME-focused partner-bank neobank with the deepest DATEV-first workflow in the category. Customer deposits sit at Solaris Bank AG (BaFin-licensed credit institution) with DGS pass-through cover — structurally distinct from EMI-licensed Tide / Finom / Anna / Holvi. The structural fit for German GmbH / UG companies needing DGS-protected operating cash plus DATEV / Lexoffice / sevDesk integration depth without Qonto's freelancer-tier UX baggage.
Pick Vivid Money if…
Pick if cashback on cards matters more than regulatory depth or rich product breadth.
- Best for fees Vivid Money won 3 of 4
- Best for protection Tied
- Best for reach Vivid Money won 3 of 3
- Best for ux Vivid Money won 2 of 2
Vivid Money vs Penta — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Penta better than Vivid Money?
Under our v3 methodology, Vivid Money leads Penta 9–0 across 12 dimensions. Composite scores: Penta 61/100 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 Penta or Vivid Money cheaper?
Monthly fee — Penta: €9; Vivid Money: €0. Card FX markup — Penta: 1.00%; Vivid Money: Interbank. Vivid Money wins more fee rows (3 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Penta or Vivid Money?
Penta holds a Partner-bank licence under BaFin; deposit guarantee per depositor: Safeguarded. 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. Both score equally on regulatory protection rows.
Where can I use Penta and Vivid Money?
Penta 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.