Vivid Money is a smartphone banking platform from Germany acting as a white-label partner of BaFin-regulated Solaris (PR42 profile). It offers two types of accounts: a free account and a paid account. The paid account can be tested free of charge for three months.

Both accounts include a VISA debit card Up to 15 sub-accounts (called “pockets”) can also be created for free via the Vivid app, each with its own International Bank Account Number (IBAN), which can be shared with others simply by pressing a button.

In addition, with both account models, you get cashback on your daily purchases or with certain providers – so-called “Super Deals.”

Under the brand Vivid Invest, the fintech offers investment services as an agent of the German CM-Equity AG. In August 2022, Vivid received a license from the Dutch AFM to offer additional investment services.

Vivid Invest allows users to invest in various stocks, ETFs, and cryptocurrencies via the app.

The neobank was founded in 2019 by Alexander Emeshev (Linkedin) and Artem Yamanov (Linkedin) as competitors to traditional banks.

We rate the company on Green.