Digital Products / Finance & Accounting / Invoicing & AR / Vivid

Vivid

Vivid Money is a European neobank offering an all-in-one digital platform for personal and business banking, with unlimited IBANs, high-interest cash, card cashback, invoicing and accounting integrations.

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EU Based EU Hosted EU Owned
#fintech #neobank #business-account #invoicing #payments #cashback #money-market-funds #EU-regulated #Germany #Luxembourg #Netherlands #european
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About Vivid

Vivid Money is a European digital neobank offering an all-in-one platform for personal and business finances. It provides unlimited IBANs, instant transfers, and a wide set of tools such as invoicing, bookkeeping, and AI-powered automation to simplify money management across teams, with attractive interest on cash and cashback on card usage.

Key features

  • Unlimited IBANs and quick onboarding for business accounts
  • Interest on uninvested cash (4% p.a. for the first 4 months, up to 2% p.a. thereafter)
  • Digital employees (AI assistants) to automate routine tasks
  • Unlimited card spending with guaranteed cashback
  • Invoicing, bookkeeping and integrations with accounting software
  • Online payments, payment links, and e-commerce plugins
  • Business travel cashback and Crypto Earn options
  • 24/7 human support and enterprise-grade security
  • Funds safety: deposits with EU-regulated banks and money market funds; GDPR compliance; servers hosted in the EU

Why choose Vivid?

  • EU-regulated and Europe-based with oversight from CSSF (Luxembourg) and AFM (Netherlands)
  • Safe funds: customer money kept separate from company assets and invested in money market funds with AAA ratings; protection beyond €100k
  • Banking-grade security: 3D Secure, two-step authentication, GDPR-compliant data hosting
  • All-in-one platform for personal and business finances with transparent pricing and wide feature set
  • Flexible plan options with cashbacks, high early interest, and AI-enabled automation
  • 24/7 human support for both personal and business users

Pricing

Plans built for every business:

  • Freelancers
    • Accounts & Interest: Free accounts with unique IBANs; Unlimited
    • Initial fixed interest rate p.a.: 4%
    • Fixed rate after 4 months: 0.1%
    • Cards & Cashback: Guaranteed unlimited cashback 0.1%; up to 2% in selected categories
    • Virtual/physical cards: Free
    • Transfers: SEPA Instant Free; Incoming SWIFT Free; Outgoing SWIFT 5€
    • Support: 24/7
  • Companies
    • Accounts & Interest: Free accounts with unique IBANs; Unlimited
    • Initial fixed interest rate p.a.: 4%
    • Fixed rate after 4 months: 0.5%
    • Cards & Cashback: 0.25% cashback up to 4%
    • Virtual/physical cards: Free
    • Transfers: SEPA Instant Free; Incoming SWIFT Free; Outgoing SWIFT 5€ free per month, then 5€
    • Support: 24/7
  • Enterprises
    • Accounts & Interest: Free accounts with unique IBANs; Unlimited
    • Initial fixed interest rate p.a.: 4%
    • Fixed rate after 4 months: 1.3%
    • Cards & Cashback: 0.5% cashback up to 6%
    • Virtual/physical cards: Free
    • Transfers: SEPA Instant Free; Incoming SWIFT Free; Outgoing SWIFT 10 free per month, then 5€
    • Support: 24/7

Common features on all plans include invoicing, integrations with accounting software, business travel cashback up to 30%, Crypto Earn rewards up to 8% APY (where available), and digital AI assistants until end of 2024 (subject to plan). Note: SEPA Instant transfers are free on all plans; other transfers may incur fees per plan.