Finom vs Vivid Money
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) |
| Licence 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) |
| 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.