Vivid Money vs N26
short answerBoth are traditional neobanks. N26 holds its own banking license. Compare custody, license, FX markup and fees field by field below.
Vivid Money: Cashback + investing; custodial crypto.
N26: 8M+ customers; crypto via partner in some markets.
Side by side
| Vivid Money | N26 | |
|---|---|---|
| Category | traditional | traditional |
| Audience | general | general |
| HQ | Berlin, DE | Berlin, DE |
| Founded | 2019 | 2013 |
| Custody | Custodial | Custodial |
| Regulation | MiCA CASP (EU) | Licensed bank |
| License detail | E-money institution (Vivid Money S.A., CSSF Luxembourg + DNB branch); AFM investment firm; MiCAR CASP (2025) | German banking license |
| Card | Visa · Debit | MC · Debit |
| Cashback | Up to 3% (tiers) | — |
| Yield | ~4% (tiers) | ~2-4% (region) |
| FX markup | Visa base rate + up to 1% on non-EUR (0.5% rising toward 1% outside FX-market hours) (2026-07) | 0% N26 markup on card payments; Mastercard rate passed through (Standard plan) (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 | crypto on-ramp, crypto off-ramp, fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., virtual cards |
| Stablecoins | No | No |
| KYC | Yes | Yes |
| Regions | Europe | Europe |
| Reported users | — | — |
go deeperFull profiles: Vivid Money · N26 — 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.