Wise vs Vivid Money.
Wise (W68/100) 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. Wise leads Vivid Money 3-2.
| 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 | W Wise №42 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 62 /100 | 68 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 /mo |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | €200 /mo | €200 /mo |
| Protection | ||
| Banking licence Tier | E-money inst. | E-money inst. FCA |
| Deposit guarantee Per depositor | Safeguarded EU.DGS.DE | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 5 countries | 160 countries |
| Crypto Coins available | 300 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 8k reviews | 4.3 ★ 220k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.5 | 4.5 ★ iOS 4.7 · And 4.2 |
| Read review → | Read review → | |
Pick Vivid Money if…
Pick if cashback on cards matters more than regulatory depth or rich product breadth.
Pick Wise if…
Pick if FX and multi-currency receiving accounts dominate your usage — not for stocks or crypto.
- Best for fees Tied
- Best for protection Tied
- Best for reach Tied
- Best for ux Tied
Wise vs Vivid Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Vivid Money better than Wise?
Under our v3 methodology, Wise leads Vivid Money 3–2 across 12 dimensions. Composite scores: Vivid Money 62/100 vs Wise 68/100. Wise is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Vivid Money or Wise cheaper?
Monthly fee — Vivid Money: €0; Wise: €0. Card FX markup — Vivid Money: Interbank; Wise: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Vivid Money or Wise?
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. Wise holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use Vivid Money and Wise?
Vivid Money operates in 5 countries; Wise operates in 160 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.