Vivid.money Reviews

Based on looking at the website, Vivid.money presents itself as a comprehensive financial solution, primarily targeting businesses and freelancers, while also offering personal accounts.

The platform emphasizes features like high interest rates on uninvested cash, various cashback opportunities, and tools for business management such as invoicing and bookkeeping.

While the offerings appear robust for managing finances, particularly for business operations, it’s crucial to examine the specifics, especially regarding their “interest” and “financing” options, as these can carry implications that conflict with certain ethical financial principles.

The platform aims to streamline financial management by integrating various services into a single app, promising ease of use and significant savings through cashback programs and efficient transfer options.

They highlight their recognition as a “Best Business Account 2025” by several German financial publications, aiming to build trust and credibility.

0.0 0.0 out of 5 stars (based on 0 reviews) Excellent0% Very good0% Average0% Poor0% Terrible0% There are no reviews yet. Be the first one to write one. Your review Your overall rating Select a Rating5 Stars4 Stars3 Stars2 Stars1 Star Title of your review Your review Your name Your email This review is based on my own experience and is my genuine opinion. ​ Submit Review

Amazon.com: Check Amazon for Vivid.money Reviews Latest Discussions & Reviews:

However, for those seeking truly ethical financial solutions, the presence of interest-bearing accounts and loan offerings warrants a deeper dive and consideration of alternative, principles-aligned services.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Vivid.money Review & First Look

Vivid.money positions itself as an all-in-one financial solution designed for both companies and freelancers, aiming to simplify money management.

A quick scan of their homepage reveals a strong focus on business accounts, offering features that cater to the needs of modern enterprises.

Core Offering: Business & Personal Accounts

Vivid.money highlights its ability to provide up to 50 IBANs for businesses, suggesting a flexible structure for managing various financial streams.

The integration of personal accounts alongside business accounts aims to provide a unified financial overview.

• Business Account: Emphasizes quick registration and centralized financial management.
• Personal Account: Allows users to manage private and business finances from a single platform, with seamless switching.
• Target Audience: Primarily businesses and freelancers, with an appeal to individuals seeking integrated financial management.

Initial Impressions on Features

The website showcases several compelling features, including interest-earning accounts and cashback programs. Marble.co Reviews

However, the mention of “interest” Riba and “financing” loans immediately raises concerns for those adhering to ethical financial principles, as these practices are generally discouraged due to their nature of generating wealth without tangible productive effort or sharing risk.

• Interest Account: Advertises up to 3% fixed annual interest on “uninvested cash,” a classic example of Riba.
• Cashback Programs: Offers up to 10% monthly cashback on card purchases, including for IT & Ads services, which can be an attractive cost-saving feature.
• Financing: Provides loans up to €250,000, which again falls under the category of Riba-based transactions.

User Interface and Accessibility

The testimonials on the website praise the app’s user-friendliness and design, indicating a focus on a smooth digital experience.

This is a crucial aspect for modern financial platforms, where ease of navigation and accessibility are paramount.

• App Design: Described as “user-friendly” and “simplify” by reviewers.
• Registration Process: Promoted as “easy registration,” suggesting a low barrier to entry.
• Customer Support: Mentioned positively in reviews, indicating responsive assistance for users.

Vivid.money Features: A Closer Look at What’s Offered

Vivid.money touts a wide array of features designed to attract businesses and individuals.

While some features offer genuine utility, others, particularly those involving interest or conventional financing, are problematic from an ethical finance perspective. Barcodestalk.com Reviews

Interest-Based Accounts Riba

Vivid.money heavily promotes its “Interest Account” and “Crypto Earn Account,” both of which operate on principles of Riba.

• Interest Account: Promises up to 3% fixed annual interest on uninvested cash, managed by investing funds in “Qualifying Money Market Funds.” This is fundamentally an interest-generating mechanism.
  • Initial Rate: 3% p.a. for the first two months.
  • Post-Promotional Rate: Up to 2.3% p.a., depending on the chosen plan.
  • Mechanism: Funds are invested in QMMFs to generate returns, which are then distributed as interest.
• Crypto Earn Account: Offers up to 12% Annual Percentage Yield APY on selected crypto assets. This is another form of interest-based earning, often involving lending or staking mechanisms in the cryptocurrency market that are not aligned with ethical finance.
  • APY: Up to 12% on specific crypto assets.
  • Withdrawal: Instant earnings withdrawal.

Financing and Loans Riba

The platform explicitly offers “Financing” with loans up to €250,000, which is a clear instance of Riba.

• Loan Amount: Up to €250,000.
• Term: Up to 12 months for repayment.
• Process: Fully online and hassle-free, facilitated through a “trusted partner.”
• Ethical Consideration: This type of conventional lending, where money is exchanged for more money over time, constitutes Riba and should be avoided.

Cards & Cashback

This feature provides tangible benefits without inherently involving Riba, making it one of the more permissible aspects of Vivid.money’s offering, provided the underlying transactions are permissible.

• Guaranteed Cashback: Ranges from 0.1% to 0.5% depending on the plan.
• Category-Specific Cashback: Up to 6% on selected categories and brands like Google Ads and Amazon.
• Virtual & Physical Cards: Free issuance for team members.
• Spending Limits: Unlimited for IT & Ads services, and €100,000 for other categories.
• Travel Cashback: Up to 30% on business travel bookings directly through the account.

Business Management Tools

Vivid.money offers practical tools for businesses, enhancing operational efficiency. These features are generally permissible.

Jobs-22.co.uk Reviews

• Invoicing: Create comprehensive invoices, track payments, and send reminders.
• Bookkeeping: Organize financial records from various bank accounts and facilitate data sharing with teams or accountants.
• Integrations: Connects with accounting tools like sevDesk, Lexware Office, and DATEV to streamline money management.
• Quick Transfers: Supports SEPA Instant transfers, SWIFT transfers, and direct debit redirects, providing flexibility in payments.

Vivid.money Cons: What to Be Cautious About

While Vivid.money presents an appealing suite of features, there are significant drawbacks, particularly concerning ethical financial principles and the nature of some of their core offerings.

These “cons” are critical for anyone seeking to align their finances with ethical guidelines.

Riba-Based Offerings

The most prominent concern with Vivid.money is its reliance on interest Riba for several key services.

This is a fundamental conflict with ethical finance principles.

• Interest Accounts: Both the standard “Interest Account” and the “Crypto Earn Account” promise fixed or variable interest rates on funds. These are direct forms of Riba, which involves profiting from money itself rather than from productive, risk-sharing endeavors. For example, the 3% fixed annual interest and up to 12% APY on crypto assets are clear examples of interest-bearing mechanisms.
• Conventional Loans: The “Financing” option, offering loans up to €250,000, is a classic interest-based lending model. This creates debt that grows simply by the passage of time, without requiring any tangible increase in value or shared risk in a venture.
• Implicit Riba: Even if not explicitly stated, any service that generates guaranteed returns on mere deposits without true risk-sharing or tangible underlying assets often carries an element of Riba. This includes how some “money market funds” operate.

Focus on Debt-Based Solutions

The platform’s emphasis on loans and credit-like features encourages reliance on debt, which can lead to financial instability and is generally discouraged. Rdphosted.com Reviews

• “Financing” as a Solution: Presenting loans as a primary solution for project needs can lead businesses and individuals into cycles of debt. This contrasts with promoting equity-based partnerships or self-financing through savings.
• Risk of Over-Leverage: Easy access to loans, especially large sums like €250,000, can tempt users to over-leverage their businesses, increasing financial risk.

Lack of Truly Ethical Alternatives

Based on the website, Vivid.money does not appear to offer any genuinely ethical or interest-free financial products or alternatives.

This means users are implicitly directed towards Riba-based services for growth or financing.

• No Halal Investments: There’s no mention of Sharia-compliant investment options, equity partnerships, or profit-sharing agreements.
• No Interest-Free Loans: The financing options are conventional, interest-bearing loans, rather than Qard Hasan interest-free loans or other permissible financing structures.

Potential for Over-Reliance on Digital Services

While convenience is a benefit, a sole reliance on a digital-only platform might present challenges for those who prefer or require face-to-face banking or more complex financial advisory services.

• Limited Physical Presence: As an online-only platform, it lacks physical branches, which some users might find limiting for certain transactions or support.
• Digital Security Concerns: While Vivid.money claims robust security, any online platform carries inherent digital security risks, and users must be constantly vigilant against phishing, hacking, and other cyber threats.

Complexities in Understanding Interest Mechanisms

The details of how interest is generated, particularly in “Qualifying Money Market Funds” or “Crypto Earn Accounts,” might be opaque to the average user, potentially leading to misunderstandings about the true nature of their earnings.

• Money Market Funds: While generally considered low-risk, the mechanism of generating interest through these funds still relies on interest-bearing instruments.
• Crypto Earn: The specifics of how 12% APY is achieved on crypto assets could involve lending out assets, which is a form of Riba in many interpretations.

Vivid.money Alternatives

Given the concerns surrounding interest-based offerings and conventional lending on Vivid.money, it’s essential to explore alternatives that align with ethical financial principles. Bridgendgroup.co.uk Reviews

These alternatives prioritize equity, risk-sharing, and social responsibility over interest-based profits.

For Business Accounts & Financing

Businesses seeking ethical financial solutions should look towards institutions that offer Riba-free products and services.

• Ethical Banks/Co-operatives:
  • Many countries have Islamic banks or ethical financial institutions that provide Sharia-compliant business accounts, financing, and investment opportunities. These often operate on principles of profit-and-loss sharing Musharakah, Mudarabah, leasing Ijarah, or cost-plus financing Murabaha rather than interest.
  • Example Hypothetical: An ethical bank might offer a Musharakah partnership arrangement for business expansion, where the bank and the business share in the profits and losses of a venture. This is a direct alternative to an interest-based loan.
• Crowdfunding Platforms Equity/Debt-Free:
  • Several crowdfunding platforms facilitate equity-based funding where investors receive a share of the business, or reward-based crowdfunding where customers pre-order products/services, effectively providing interest-free capital.
  • Example: Platforms like Seedrs or Crowdcube though often conventional, some projects might align with ethical investment principles if carefully vetted. For ethical funding specifically, look for platforms that explicitly state their commitment to ethical or Sharia-compliant models.
• Venture Capital Ethical Funds:
  • For larger businesses, seek out ethical or Islamic venture capital funds that invest in businesses based on profit-sharing and avoid interest. These funds typically take an equity stake in the company.
• Self-Financing & Partnerships:
  • Bootstrapping: Relying on personal savings and retained earnings to fund business growth. This is the most ethical form of financing as it involves no external debt.
  • Partnerships: Forming joint ventures with other businesses or individuals where profits and losses are shared, eliminating the need for interest-based loans.

For Personal Accounts & Savings

Individuals looking for ethical banking and savings options can consider the following:

• Islamic Banks/Credit Unions:
  • These institutions offer Sharia-compliant savings accounts that do not yield interest. Instead, they might operate on a Qard Hasan interest-free loan basis for current accounts, or a Mudarabah profit-sharing basis for investment accounts where returns are generated from ethical investments.
  • Example: Many Islamic banks offer accounts where funds are pooled and invested in ethically screened ventures, with profits shared with depositors.
• Community Development Financial Institutions CDFIs:
  • While not strictly ethical in all aspects, many CDFIs focus on community benefit and responsible lending practices, often with lower interest rates or alternative financing models. It’s crucial to vet their specific products for Riba.
• Savings Cooperatives/Credit Unions:
  • Some credit unions operate on a cooperative model, focusing on member benefit rather than profit. While they may still offer interest, some are moving towards more socially responsible investment practices. Always check their specific policies regarding interest and investments.
• Direct Investment in Ethical Ventures:
  • Instead of interest-bearing savings accounts, consider direct equity investments in ethically screened companies or Sharia-compliant investment funds ETFs, mutual funds that avoid industries like alcohol, gambling, and conventional finance. This involves higher risk but aligns with the principle of sharing profit and loss.
  • Platforms: Look for platforms that allow you to invest in socially responsible or Islamic finance funds.

For Payments & Cashback

For day-to-day spending and cashback without engaging in Riba:

• Debit Cards from Ethical Banks: Use debit cards linked to ethical or Islamic bank accounts to manage spending.
• Cashback Programs Non-Interest Bearing: Some retail loyalty programs offer cashback or rewards without any underlying interest mechanism. These are generally permissible as they are a direct discount or reward for purchasing.
  • Example: Retailer-specific loyalty cards that give you a percentage back on purchases or points redeemable for goods.

By choosing these alternatives, individuals and businesses can maintain financial integrity while actively avoiding transactions and products that conflict with ethical principles. Woofs.co.uk Reviews

It requires diligent research and a clear understanding of what constitutes a permissible financial transaction.

How to Cancel Vivid.money Subscription

Canceling a Vivid.money subscription, whether it’s a paid plan or a trial, generally involves navigating their in-app settings or contacting their customer support.

It’s crucial to follow the correct procedure to avoid continued charges.

Steps to Cancel a Paid Subscription

Based on standard practices for financial apps, the cancellation process typically involves the following:

1. Log In to Your Vivid.money Account: Access the Vivid.money app or web interface using your credentials.
2. Navigate to Account Settings: Look for a section related to your “Profile,” “Account,” “Subscription,” or “Plans.” This is usually found in the main menu or a dedicated settings icon.
3. Locate Subscription Details: Within the settings, find the specific plan you are subscribed to e.g., Basic, Pro and its details.
4. Initiate Cancellation: There should be an option to “Cancel Subscription,” “Manage Plan,” or similar. Click on this option.
5. Follow On-Screen Prompts: The app may ask for a reason for cancellation or offer alternatives. Complete any required steps to confirm your cancellation.
6. Receive Confirmation: Ensure you receive a confirmation email or in-app notification indicating that your subscription has been successfully canceled. Keep this for your records.

Important Notes: Hardygeraniumnursery.co.uk Reviews

• Billing Cycle: Understand your current billing cycle. You might still have access to paid features until the end of the period you’ve already paid for.
• Account Closure: Canceling a subscription does not necessarily close your entire Vivid.money account. If you wish to close your account entirely, there might be a separate process.
• Pending Charges: Ensure all outstanding balances are settled before attempting to cancel to avoid issues.

How to Cancel Vivid.money Free Trial

Canceling a free trial before it automatically converts to a paid subscription is critical to avoid unexpected charges.

1. Access Your Account: Log into the Vivid.money app where you activated the free trial.
2. Check Trial Status: Go to your “Account,” “Profile,” or “Subscription” settings to see the remaining time on your free trial.
3. Find Cancellation Option: Similar to a paid subscription, look for an option to “Cancel Trial,” “Manage Plan,” or “Do Not Renew.”
4. Confirm Cancellation: Follow any prompts to confirm your decision to cancel the trial.
5. Verify Cancellation: Check for a confirmation email or an in-app message confirming that the trial will not convert to a paid subscription.

Key Considerations for Free Trials:

• Trial Expiry Date: Mark the trial expiry date on your calendar. It’s often advisable to cancel a day or two before the actual expiry to avoid last-minute issues.
• Immediate Loss of Access: Some free trials might revoke access to premium features immediately upon cancellation, while others allow access until the trial period officially ends.
• Linked Payment Methods: Ensure that any payment methods linked to the trial are not inadvertently charged after cancellation.

If You Encounter Issues

If you face difficulties canceling through the app, or if the options aren’t clear, you should:

• Contact Customer Support: Reach out to Vivid.money’s customer support. Their website mentions “24/7 human support” for Basic and Pro plans. Clearly state your intention to cancel and provide all necessary account details.
• Document Everything: Keep records of all communication, including dates, times, and names of customer service representatives. This documentation can be vital if there are any disputes regarding charges.
• Review Terms & Conditions: Always refer to the terms and conditions of your specific Vivid.money plan or trial for precise cancellation policies.

Canceling on time and correctly is crucial for managing your financial commitments and avoiding unwanted expenses.

Vivid.money Pricing

Vivid.money offers various plans tailored for freelancers, companies, and enterprises, with different feature sets and associated costs. Equinice.co.uk Reviews

It’s important to analyze these plans to understand the value proposition and any potential hidden fees.

The pricing structure is presented with monthly and annual payment options, with incentives for annual commitment.

Plan Tiers

Vivid.money has three main tiers: Free Start, Basic, and Pro. Each tier offers progressive benefits.

1. Free Start

• Monthly Cost: €0 / month
• Payment Period: Free of charge at all times.
• Target: Freelancers, likely individuals or very small businesses just starting out.
• Key Features Free Start:
  • Accounts Included: 1
  • Team Members: 2
  • Initial Fixed Interest Rate p.a.: 3% for 2 months
  • Fixed Interest Rate p.a. after 2 months: 0.1%
  • Variable Rate Interest Strategies, up to: 6%
  • Guaranteed Unlimited Cashback: 0.1%
  • Cashback on Selected Categories/Brands: Up to 2%
  • Outgoing SEPA Instant Transfers: 5 free per month, then €0.2 per transfer.
  • Bookkeeping Documents: 25 included.
  • Maximum Loan Amount: €250,000 repayment term 12 months
  • Business Travel Cashback: Up to 30%
  • Crypto Earn Rewards: Up to 12% APY

2. Basic

• Monthly Cost: €7 / month excl. VAT
• Payment Period: 2 months free trial included.
• Target: Small to medium-sized companies and growing freelancers.
• Key Features Basic – building on Free Start:
  • Accounts Included: 5
  • Team Members: 15
  • Fixed Interest Rate p.a. after 2 months: 0.6%
  • Guaranteed Unlimited Cashback: 0.25%
  • Cashback on Selected Categories/Brands: Up to 4%
  • Outgoing SEPA Instant Transfers: Free
  • Bookkeeping Documents: Unlimited
  • 24/7 Human Support: Yes

3. Pro

• Monthly Cost: €19 / month excl. VAT
• Target: Larger companies and enterprises with extensive financial needs.
• Key Features Pro – building on Basic:
  • Accounts Included: 20
  • Team Members: 30
  • Fixed Interest Rate p.a. after 2 months: 1.6%
  • Guaranteed Unlimited Cashback: 0.5%
  • Cashback on Selected Categories/Brands: Up to 6%

Additional Pricing Considerations

• Annual Savings: The website mentions “Save up to 24%” for annual payment periods, though the exact annual prices are not explicitly listed in the immediately visible comparison table. Users should check the full pricing details for annual discounts.
• SWIFT Transfer Fees: All plans incur a fee for outgoing SWIFT transfers, starting “From €5.”
• Interest Rates: The various interest rates mentioned initial fixed, fixed after 2 months, variable rate are critical for users concerned about Riba, as they represent the cost of money or return on money without risk-sharing, which is not ethically permissible.
• VAT Exclusion: The listed prices for Basic and Pro plans exclude VAT, meaning the final cost will be higher depending on the applicable tax rate.
• Maximum Loan Amount & Repayment Term: The loan feature up to €250,000, 12 months repayment is consistent across all plans, indicating that this interest-bearing option is available regardless of subscription tier.
• Virtual and Physical Cards: These are listed as “Free” across all plans.
• Currency Exchange: Currency exchange between own accounts is free across all plans.

Understanding the full scope of these pricing tiers, especially the Riba-based features like interest accounts and loans, is crucial for making informed financial decisions.

For those seeking ethical solutions, even the “Free Start” plan introduces interest, making it important to consider ethical alternatives from the outset. 888lots.com Reviews

Vivid.money vs. Ethical Financial Alternatives

When comparing Vivid.money with ethical financial alternatives, the core distinction lies in their fundamental approach to earning and managing money.

Vivid.money, while offering modern conveniences, integrates interest-based products and conventional loans, which are problematic from an ethical finance standpoint.

Ethical alternatives, on the other hand, strictly adhere to principles that avoid Riba interest, excessive uncertainty Gharar, and involvement in prohibited industries.

1. Interest Riba vs. Profit-Sharing/Risk-Sharing

• Vivid.money:
  • Interest Accounts: Explicitly offers “3% fixed annual interest” on uninvested cash and “up to 12% APY on selected crypto assets.” This is a clear case of Riba, where money generates more money without tangible productive effort or shared risk. Data suggests that such interest-based returns are a significant draw for conventional users, but a major red flag for ethical finance.
  • Financing/Loans: Provides conventional loans up to €250,000, which are interest-bearing debt facilities.
• Ethical Financial Alternatives:
  • Profit-Sharing Mudarabah, Musharakah: Instead of interest, ethical financial institutions utilize profit-and-loss sharing models. For example, a Mudarabah savings account might invest funds in permissible ventures, and the profit or loss is shared between the bank and the depositor. This aligns with the principle of shared risk and reward.
  • Cost-Plus Financing Murabaha: For asset acquisition, an ethical bank might purchase an asset and then sell it to the customer at a pre-agreed mark-up, eliminating interest.
  • Leasing Ijarah: For equipment or property, an ethical institution might lease the asset to the customer, earning rental income rather than interest.
  • Data Point: Many ethical financial institutions globally have grown significantly by offering these models, with the ethical banking sector showing consistent growth in recent years, demonstrating demand for such alternatives.

2. Debt vs. Equity/Tangible Asset-Backed Transactions

*   Promotes "financing" through loans as a means to fulfill project needs, encouraging debt. This can lead to financial fragility and the accumulation of liabilities.
*   Equity Investments: Encourages equity partnerships where the financier becomes a part-owner of the business, sharing in both the successes and failures. This fosters a more resilient and responsible financial ecosystem.
*   Asset-Backed Financing: Transactions are tied to tangible assets or services, ensuring that wealth is generated through real economic activity rather than abstract monetary exchanges. This reduces excessive speculation and fosters stability.

3. Investment Screening

*   No explicit mention of ethical or Sharia-compliant investment screening for the "Money Market Funds" or "Crypto Assets" they use for interest generation. It's safe to assume they invest in conventional markets, which may include industries like alcohol, gambling, or conventional finance, which are prohibited in ethical finance.
*   Strict Screening: Ethical financial institutions rigorously screen investments to ensure they comply with ethical guidelines, avoiding sectors involved in impermissible activities. This often includes negative screening excluding certain industries and positive screening investing in socially responsible companies.
*   Transparency: They often provide greater transparency on where funds are invested, allowing customers to verify the ethical compliance of their portfolios.

4. Fees and Transparency

*   Offers different pricing tiers Free Start, Basic, Pro with varying features and fees. While some transfers are free, SWIFT transfers incur fees, and VAT is excluded from listed prices.
*   Strive for transparent fee structures, often emphasizing service fees or profit-sharing ratios rather than hidden interest charges. The focus is on clarity and fairness in transactions.

5. Overall Philosophy

• Vivid.money: Appears to prioritize modern convenience, competitive returns through interest, and comprehensive features within a conventional financial framework.
• Ethical Financial Alternatives: Prioritize adherence to ethical principles, social responsibility, fairness, and the promotion of real economic growth over speculative or interest-based gains. Their philosophy is rooted in justice and equitable wealth distribution.

In conclusion, while Vivid.money might offer an attractive digital banking experience with various features, its reliance on interest and conventional loans makes it fundamentally distinct from ethical financial alternatives.

For those committed to ethical principles, the latter provides a pathway to financial management that aligns with their values, even if it means foregoing some of the “conveniences” of interest-based systems. Embrolygift.com Reviews

Frequently Asked Questions

What is Vivid.money?

Vivid.money is a financial technology platform offering business and personal accounts, designed to streamline financial management with features like invoicing, bookkeeping, and various payment options.

It operates as an online banking solution primarily targeting freelancers and businesses.

Is Vivid.money a bank?

Based on the website, Vivid.money operates as a financial services group regulated by European financial authorities CSSF in Luxembourg, CONSOB in Italy, and AFM in the Netherlands. While it offers banking-like services, it functions as a financial platform providing accounts and payment solutions.

Does Vivid.money offer interest on savings?

Yes, Vivid.money advertises an “Interest Account” offering up to 3% fixed annual interest on uninvested cash for the first two months, and varying rates up to 2.3% p.a. afterwards, depending on the plan.

They also offer up to 12% APY on selected crypto assets in a “Crypto Earn Account.” Pictocard.app Reviews

Are there any hidden fees with Vivid.money?

The website clearly outlines different plan tiers Free Start, Basic, Pro with associated monthly costs and features.

It notes that “From €5” fees apply for outgoing SWIFT transfers and that listed prices for Basic and Pro plans exclude VAT.

Users should carefully review the full terms for any other potential charges.

Can I get a loan through Vivid.money?

Yes, Vivid.money offers a “Financing” option, allowing users to apply for a loan of up to €250,000 with a 12-month repayment term.

This is facilitated online through a trusted partner. Casperpublications.com Reviews

How does Vivid.money’s cashback feature work?

Vivid.money offers guaranteed unlimited cashback ranging from 0.1% to 0.5% depending on the plan.

Additionally, it provides up to 6% cashback on selected categories and brands like Google Ads and Amazon.

This is applied to card purchases made by team members.

Is Vivid.money safe and secure?

Vivid.money states that funds are kept separate from their own assets and are secured against their insolvency, even beyond €100,000. They comply with Payment Card Industry Data Security Standards PCI DSS, use 2-step authentication, and claim GDPR compliance with servers hosted in the European Union. Lgserv.co.za Reviews

Can I use Vivid.money for both personal and business finances?

Yes, Vivid.money offers both business and personal accounts, allowing users to manage private and business finances in one place and seamlessly switch between accounts.

What business tools does Vivid.money provide?

Vivid.money provides several business tools, including invoicing issue invoices, track owed amounts, send reminders, bookkeeping organize financial records, share data, and integrations with accounting tools like sevDesk, Lexware Office, and DATEV.

How many IBANs can I get with Vivid.money?

With a business account, users can unlock up to 50 IBANs, providing flexibility for managing multiple financial streams.

What are the limits on card spending with Vivid.money?

Vivid.money offers unlimited card spending limits for IT & Ads services and a €100,000 spending limit in other categories across all plans.

Does Vivid.money support international transfers?

Yes, Vivid.money supports SEPA Instant transfers and SWIFT transfers, providing flexibility for international payments. SWIFT transfers incur a fee. Documentify.com Reviews

How do I cancel my Vivid.money subscription?

To cancel your Vivid.money subscription, you typically need to log into your account, navigate to your “Subscription” or “Plans” settings, and follow the prompts to cancel.

It’s advisable to check their terms and conditions or contact customer support for precise instructions.

Can I get a free trial for Vivid.money?

Yes, the Basic and Pro plans offer a 2-month free trial.

What kind of customer support does Vivid.money offer?

Vivid.money advertises “24/7 human support” for its Basic and Pro plan users.

What happens to my money if Vivid.money becomes insolvent?

Vivid.money states that your funds are kept separate from their own assets. Petitiony.com Reviews

In the unlikely event of insolvency, customer money remains safe, even beyond €100,000, as it is held by partner banks.

Does Vivid.money offer physical cards?

Yes, Vivid.money offers free virtual and physical cards across all its plans.

Are there any rewards for business travel with Vivid.money?

Yes, Vivid.money offers a business travel tool that allows users to search, book, and pay for hotels directly from their account, including up to 30% travel cashback.

What is the maximum APY for Crypto Earn rewards on Vivid.money?

Vivid.money advertises up to 12% APY on selected crypto assets through its Crypto Earn Account.

What are the main differences between the Free Start, Basic, and Pro plans?

The main differences lie in the number of included accounts and team members, guaranteed cashback rates, post-promotional interest rates, free outgoing SEPA instant transfers, and the number of included bookkeeping documents, with Pro offering the most extensive features.