Vivid Money

Vivid is an online bank from Germany. It offers English support and does not require Anmeldung to open an account. There is no monthly fee for the standard account.

Frequently Asked Questions (FAQ)

Which documents do I need to open an account?

• a supported ID or passport
  • see here the current list
  • (note: passports from Ukraine 🇺🇦 are accepted)
• You do not need an Anmeldung.

How is my money protected?

• Vivid is supported by solarisBank, which holds a German banking license, so your money (up to €100,000) is protected by the German Einlagensicherung.
• So even if Vivid goes bankrupt, your money will be safe guaranteed by the German state.

How much does Vivid cost?

• Opening and keeping the account is always free. (So even if you stop using it, you can keep it, without paying anything.) Withdrawing cash at bank machines is free up to €200 per month. You can use any machine, in Germany or abroad.
• If you withdraw money, it must be €50 or more per withdrawal. If you withdraw more or less than these limits, you pay 3% (but not less than €1).
• Paying with the Visa card is always free, no matter if in EUR or another currency. Even better, when paying abroad, the will show you immediately the price in the foreign currency and in EUR, too. So you can see better how much you paid.

Which card do I get with Vivid?

• If you top up your account with €200, you get a free VISA debit card (made from metal), sent to you home by mail.
• Additionally, you get a virtual Visa card for free.
• And both cards, you can "freeze" (=block) and unfreeze in the app with one tap.
• This makes the virtual card an ideal tool for online payments: Keep it always frozen, and only unfreeze it when you make an online purchase. This way, even if the card number gets stolen/hacked, it cannot be used.

What transactions can I make & receive?

• You get a regular German IBAN number, so you can make and receive any SEPA transactions.
• For example, with Vivid you can:
  • receive salary from your job
  • pay rent to your landlord.

In which language can I use Vivid?

• The app and the customer support are available in:
  • English 🇬🇧
  • French 🇫🇷
  • German 🇩🇪
  • Italian 🇮🇹
  • Spanish 🇪🇸
• Customer support is available via chat in the app.
• Their first reply comes usually after 5 to 30 minutes.

How can I deposit cash?

• You cannot deposit cash onto your Vivid account.
• To top up your account, you can only send SEPA transfers.

Sign up

You can sign up completely online. Open the link below and follow the instructions:

• Open a Vivid Money account