Vivid Money • EUR
🔒 Secure redirect to Vivid Money, no obligation
Ingrid Schneider · Updated: 3 September 2026
Vivid Money isn't a classic bank account — it's the business account of a financial services provider that is managed entirely through the app and web. According to the provider, the Standard tier is aimed at "new self-employed people and founders," making it best suited to freelancers and sole traders who are just getting started and want an uncomplicated, fully digital business account with no branch visits. Alongside Standard, Vivid also offers business customers the paid Prime tier with extended features — anyone who needs more than the basics, such as outgoing international transfers, should compare against that tier.
According to the current information on the provider's own website, the Standard tier's account management is permanently free. SEPA transfers are free and unlimited, which matches the stored product data, which lists a €0 fee across the board for online transactions. For international SWIFT transfers: incoming payments are free, while outgoing SWIFT transfers are not available at all on the Standard tier — anyone who regularly needs to send money outside the SEPA area will find this tier limiting.
Vivid does not state a separate overdraft interest rate on its own site. The product data lists a value of 0% p.a. for a tolerated overdraft, but this could not be confirmed via the provider's website — it's worth asking the provider directly before opening an account.
An important point for security-conscious customers: Vivid Money is not itself a bank. According to the stored product data, it is an intermediary/service provider with no deposit-protection scheme of its own. Balances on the account are therefore not covered by any fixed statutory deposit guarantee — something to weigh carefully, especially with larger balances, before using it as a central business account.
The Standard tier includes one free virtual card and one free physical card. Vivid also advertises a cashback programme: a guaranteed 0.1% on card spending, and up to 2% in selected categories. According to the provider, balances earn 4% p.a. for the first four months, after which the rate drops to 0.5% p.a. Invoicing and a digital business vault are also part of the account, along with personal support around the clock. The account can be managed online, via the app, or by phone.
The Standard tier suits freelancers and sole traders in the early founding phase best — those who want a free, fully digital business account with unlimited SEPA transfers and can do without outgoing international SWIFT transfers. For anyone billing mostly domestically or within the EU via SEPA, the feature set is usually more than sufficient. Anyone who regularly needs to send money outside the SEPA area, or who values a statutory deposit guarantee, should weigh these limitations carefully before opening an account and consider a classic bank business account instead.
The Vivid Money Standard tier is an uncomplicated, free entry-level account for freelancers and solo entrepreneurs, scoring points with unlimited SEPA transfers, a free card, and attractive initial balance interest. Anyone who regularly needs outgoing international transfers or relies on statutory deposit protection should deliberately weigh this offer against classic business accounts before using it as their main account.
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