Finom vs Vivid Money
short answerBoth are traditional neobanks. Finom is built for SMB & startups; Vivid Money pays yield on balances. Compare custody, license, FX markup and fees field by field below.
Finom: SMB/freelancer banking across the EU.
Vivid Money: Cashback + investing; custodial crypto.
Side by side
| Finom | Vivid Money | |
|---|---|---|
| Category | traditional | traditional |
| Audience | SMB & startups | general |
| HQ | Amsterdam, NL | Berlin, DE |
| Founded | 2019 | 2019 |
| Custody | Custodial | Custodial |
| Regulation | E-money institution | MiCA CASP (EU) |
| License detail | E-money institution (FINOM Payments B.V., DNB Netherlands); EU/EEA passporting | E-money institution (Vivid Money S.A., CSSF Luxembourg + DNB branch); AFM investment firm; MiCAR CASP (2025) |
| Card | Visa · Business debit | Visa · Debit |
| Cashback | Up to 3% | Up to 3% (tiers) |
| Yield | — | ~4% (tiers) |
| FX markup | — | Visa base rate + up to 1% on non-EUR (0.5% rising toward 1% outside FX-market hours) (2026-07) |
| 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 |
| Stablecoins | No | No |
| KYC | Yes | Yes |
| Regions | Europe | Europe |
| Reported users | — | — |
go deeperFull profiles: Finom · Vivid Money — or run your own comparison of up to four in the directory.
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.