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 €5 bonus at registration using this link.

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	100,000 (March 2021)
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

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ATM withdrawal	- First €200 per month can be withdrawn for free but only if the amount of withdrawal is no less than €50 - otherwise 3% fee (but not less than €1).	- First €1000 per month can be withdrawn for free but only if the amount of withdrawal is no less than €50 - otherwise 3% fee (but not less than €1).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	Yes	Yes
Stock Trading	Yes	Yes
Commodity Trading	Yes	Yes
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

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

Cards	BIN Number
Visa Debit	434970xx

Country	BIN Number
Germany	xxxxxx00

Bank	Country	BIC Code
Solarisbank AG	Germany	SOBKDEB2XXX