Vivid Money
Cashback + investing; custodial crypto.
- Who holds it
- A licensed crypto-asset custodian holds the assets on your behalf — E-money institution (Vivid Money S.A., CSSF Luxembourg + DNB branch); AFM investment firm; MiCAR CASP (2025).
- The ledger
- The custodian’s books, reconciled against on-chain balances.
- If it fails
- Recovery hinges on the custodian’s solvency and how cleanly client assets are segregated.
Derived from Vivid Money’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| HQ | Berlin, DE |
| Founded | 2019 |
| Custody | Custodial |
| Regulation type | MiCA CASP (EU) |
| License detail | E-money institution (Vivid Money S.A., CSSF Luxembourg + DNB branch); AFM investment firm; MiCAR CASP (2025) |
| Card | Visa · Debit |
| Cashback | Up to 3% (tiers) |
| Yield | ~4% (tiers) |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Europe |
| Countries | Germany, France, Spain, Italy, Netherlands |
| Founders | Alexander Emeshev, Artem Yamanov |
| Funding | ~$200M+ raised |
| Services | crypto on-ramp · crypto off-ramp · fiat pay-in (bank rails) · fiat pay-out (bank rails) · own IBAN / account no. · multi-currency hold · virtual cards |
| FX markup | Visa base rate + up to 1% on non-EUR (0.5% rising toward 1% outside FX-market hours) (2026-07) · source ↗ |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @vivid_money ↗
Common questions about Vivid Money
What is Vivid Money?
Vivid Money is a fiat neobank, headquartered in Berlin, DE and founded in 2019. Your money is held custodially, so Vivid Money or its partner bank holds the balance and you hold a claim on it. It is regulated as a MiCA CASP (EU) (E-money institution (Vivid Money S.A., CSSF Luxembourg + DNB branch); AFM investment firm; MiCAR CASP (2025)).
Does Vivid Money have a card, and where can you use it?
It issues a Visa debit card. It is available in 5 countries, across Europe.
Does Vivid Money require KYC?
Yes. Vivid Money requires identity verification (KYC) to open an account, as a mica casp (eu).
What does Vivid Money cost?
From the verified fields: FX abroad — Visa base rate + up to 1% on non-EUR (0.5% rising toward 1% outside FX-market hours) (as of 2026-07); cashback Up to 3% (tiers); yield ~4% (tiers). Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Vivid Money before relying on them.
Early investors
Head-to-head
Vivid Money vs N26 · Vivid Money vs Finom
Peers
Monzo · Wise · Starling Bank · Atom Bank · Zopa Bank · Chase UK
Vivid Money appears in
Neobanks authorised as crypto-asset service providers under MiCA (8) · Neobanks available in Europe (144) · Neobanks that issue a Visa card (182) · Neobanks in Germany (8)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.