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Vivid doesn’t try to reinvent the wheel and is building its product on top of well-established players. It relies on Solarisbank for the banking infrastructure, a German company with a banking license that provides banking services as APIs to other fintech companies. As for debit cards, Vivid is working with Visa.

The physical Vivid card doesn’t feature any identifiable details — there’s no card number, expiry date or CVV. Just like Apple’s credit card in the U.S., you have to check the mobile app to see those details. Every time you make a purchase, you receive a notification. You can lock and unlock your card from the app.

Get free Visa Metal Card and €20 bonus at registration using this link.

General

 
Provider Vivid Money GmbH
Karl-Marx-Str. 97 - 99
12043 Berlin
Germany
Countries - EEA (Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden)
Number of Users -
Banking License Solarisbank AG: EU Bank License (Germany, BaFin)
- Deposit guarantee up to €100,000
Web page vivid.money
Mobile Apps Android
iOS
Google Pay Yes (Visa cards)
Apple Pay Yes (Visa cards)
Samsung Pay No
Garmin Pay No
Fitbit Pay No

Vivid Plans

 
Plan Vivid Standard Vivid Prime
Subscription €0/month €9.90/month
- 3 months for free
Manage Your Account Mobile app Mobile app
Types of Accounts EUR, ... (in more than 40 currencies) EUR, ... (in more than 107 currencies)
Physical Cards Visa Debit
- Free for first card
- €20 for each additional card
Visa Debit
- Free for first card
- €20 for each additional card
Virtual Cards Visa Debit
- €1 for card
Visa Debit
- Free for first card
- €1 for each additional card
Maximum Number of Cards Unlimited Unlimited
3D Secure Yes, via mobile app Yes, via mobile app
SEPA transfers Free Free
SEPA Instant Credit Transfer (SCT Inst) No No
ATM withdrawal - First €200 per month can be withdrawn for free but only if the amount of withdrawal is no less than €50
- otherwise 3% fee (but not less than €1).
- First €1000 per month can be withdrawn for free but only if the amount of withdrawal is no less than €50
- otherwise 3% fee (but not less than €1).
Exchanging currencies - The mark-up applied is 0.5%. For purchases of a currency it can be increased up to 1% in cases where the purchase happens outside of the relevant foreign exchange market’s working hours. - The mark-up applied is 0.5%. For purchases of a currency it can be increased up to 1% in cases where the purchase happens outside of the relevant foreign exchange market’s working hours.
Transactions - Fee between 0.5% and 1.0% for currency exchange
- otherwise no fee
- Fee between 0.5% and 1.0% for currency exchange
- otherwise no fee
SEPA Direct Debit Yes, no fee Yes, no fee
Transferring Your Paycheck Yes (EUR) Yes (EUR)
Add Money - Transferring money to your Vivid IBAN (bank account) - Transferring money to your Vivid IBAN (bank account)
Card Freezes Yes Yes
Spending Limit Yes Yes
Savings Account Yes, Pockets
- You can have 15 IBANs
Yes, Pockets
- You can have 15 IBANs
Credits No No
Cryptocurrency Trading No No
Stock Trading No, soon No, soon
Commodity Trading No No
Accounts for Kids No No
Linking External Bank Accounts No No
Additional Benefits - Up to €20 cashback per month
- 10% cashback with Champion program
- Up to 10% cashback on popular personalised brands
- Up to €20 cashback per month
- 10% cashback with Champion program
- Up to 10% cashback on popular personalised brands
- Up to 10% cashback on online services
- 3% cashback on all purchases in restaurants and cafes outside of Europe
- 1% cashback on absolutely all purchases outside of Europe
- 0.1% cashback on all other purchases

Other information

 

Sign up

 

You can use this link to open a new Vivid account.

Usage

 

Vivid Money BIN Numbers

 
CardsBIN Number
Visa Debit 434970xx
CountryBIN Number
Germany xxxxxx00

Vivid Money BIC Codes

 
BankCountryBIC Code
Solarisbank AG Germany SOBKDEB2XXX
Revolut
bunq
Google Pay
N26
TransferWise
Apple Pay
Curve
Vivid Money
Samsung Pay