Vivid Money review
A flexible European money app with shared IBAN Pockets and investing, but conditional free pricing.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Vivid Money is a European financial app for people who want everyday payment features alongside budgeting and investing. Personal accounts use separate Pockets with individual IBANs, and shared Pockets can help organize joint expenses. The app also supports payment cards, instant SEPA transfers, spending forecasts, and stock, ETF and cryptocurrency investing. It is available on web, iOS and Android, and offers separate business products as well as personal accounts.
The personal plans scale mainly by Pocket allowance and card options. Standard is listed at €0 per month and includes up to 3 Pockets with individual IBANs, instant SEPA transfers and a first physical card; the zero price applies to active customers meeting activity criteria, and an account management fee applies otherwise. Plus costs €6.90 monthly and raises the allowance to up to 6 Pockets. Prime costs €7.90 monthly, includes up to 15 Pockets and offers a metal card option. The published plan highlights retain instant SEPA transfers and a first physical card on each tier. A 30-day free trial is listed.
Its breadth suits people who want banking functions, shared money organization and investing in one app rather than a tool focused only on payments. Apple Pay and Google Pay are supported, and account top-ups can also use SEPA transfer or PayPal balance transfer. The Interest Rate Pocket offers up to 2% annual interest after the first two months depending on plan, with a 3% promotional rate for the first two months; it is an investment product and capital is at risk. Terms can vary by country, so people who need consistent availability or a straightforward unconditional free account may prefer another option. Vivid lists chat and email support and GDPR, PCI DSS and two-factor authentication compliance.
Vivid Money pros and cons
- Where it wins
- Standard includes up to 3 Pockets with individual IBANs
- Shared Pockets, budgeting and instant SEPA transfers
- Access to stocks, ETFs and cryptocurrency in the app
- Where it doesn't
- Standard's zero monthly price depends on meeting activity criteria
- Interest Rate Pocket is an investment product with capital at risk
- Personal account terms and availability vary by country
Vivid Money fact sheet, pricing and score →
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