Vivid Reviews 24,583

TrustScore 4.5 out of 5

4.6

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Consumers appreciate the user-friendly interface, the fast onboarding process, and the ease with which they can open an account. People highlight the convenience of having everything in one place, from budgeting tools to smart analytics, and praise the speed of transfers. Customers also appreciate the app's design and ease of use, finding it perfect for both everyday banking and investing. Consumers report a smooth and quick process for opening a business bank account. The application is easy to use, and payments go smoothly. The fast money transfers to and from the card are also appreciated. However, opinions on payments and customer service are mixed, with a low consensus among reviewers.

Based on these reviews

Rated 5 out of 5 stars

Vivid is a great bank that allows me to make purchases without any hassle. The process is smooth, and there are no delays when making payments. They offer a paid plan that comes with several benefits,... See more

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Rated 5 out of 5 stars

Vivid is a great bank that allows me to make purchases without any hassle. The process is smooth, and there are no delays when making payments. They offer a paid plan that comes with several benefits,... See more

Company replied

Rated 5 out of 5 stars

Vivid is a great bank that allows me to make purchases without any hassle. The process is smooth, and there are no delays when making payments. They offer a paid plan that comes with several benefits,... See more

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Rated 5 out of 5 stars

Extremely good user experience, everything was apparently well planned out. Very fast onboarding, good interface, at no cost at all. Ordered a metal card right away to at least pay for something... If... See more

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Rated 5 out of 5 stars

I had previously experienced other similar online banks but no-one so far compares to Vivid in terms of how fast and how easy you can open an account and start profiting from all cashback features, in... See more

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Rated 5 out of 5 stars

I really like the metal card and its free. The transaction is now very fast when adding money. Hopefuly soon multi-currency will be added, hopefuly soon samsung wallet also supported. It really works... See more

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Rated 5 out of 5 stars

I am very happy with VIVID MONEY Platform it is very easy and comfortable to deal with it, all step to apply explained well, plus to transfer money take few seconds in or out, I found many other op... See more

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Rated 5 out of 5 stars

I've been using Vivid Money for a while now, and I'm really happy with it. It’s a smart, user-friendly platform that works well for both personal finances and company needs. The interface is clean a... See more

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Rated 5 out of 5 stars

I have been using Vivid Money app and services for two years now and I can say that I am pretty satisfied with their service level. I am talking here about the basic services: like receiving, sending... See more

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Rated 5 out of 5 stars

Although purple may not be my favorite color, I find nothing to complain about regarding the Bank :) The app works very well, as does the Visa debit card, which I've had no problems using for the la... See more

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Rated 5 out of 5 stars

I’ve been using the Vivid Money app for over a year now and it’s been amazing. Super easy to use and the transfers are lightning fast! The interface is clean and Easy to navigate ,perfect for both eve... See more

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Rated 1 out of 5 stars

I’m 60 years old guy, used vivid because my son has recommended it for regular online purchases (we are renovating our house). I got blocked account without explanation, My funds are frozen. Support k... See more

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Rated 5 out of 5 stars

I was a customer at Viabuy. Unfortunately, they stopped offering their services. But honestly, after a few days with Vivid, I am really super satisfied. To be honest, I would like to see less adverti... See more

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Rated 5 out of 5 stars

I found Vivid really a great online banking app. I am using it without any issues. There is no hidden charge. The free Visa card is really helpful while travelling different countries with different c... See more

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Rated 5 out of 5 stars

The entire experience was smooth. And their app is excellent, very convenient, and everything is easy. What stood out the most is that the ID was done without these annoying Video Identification servi... See more

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Rated 5 out of 5 stars

A few days ago, I noticed an unauthorized €49 transaction on my Vivid account. I contacted support right away and they were super quick to respond. They kept me updated during the investigation and, j... See more

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Rated 4 out of 5 stars

Links for shopper deals are invalid! I bought expensive air tickets and followed as prescribed in app. I followed the link and applied vivid card. No cashback was returned. UPDATE: Once conversation i... See more

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Rated 4 out of 5 stars

Works great with most services/goods providers but not all (only got rejected on very rare occasions) of them yet. Once that is fixed, full 5 Star! You now also benefit from very fast money transfers... See more

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Rated 5 out of 5 stars

I’ve been a Vivid user for nearly four years, and I absolutely love the app’s design and ease of use. My Vivid Prime subscription and card have been a great experience, excellent value for what I get... See more

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Rated 1 out of 5 stars

Vivid lost me 20.000 $ through a transfer that I did. Worse than that, I also talked to the beneficiary bank and they provided me evidence and support (details of the transfer return, a pdf file with... See more

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Rated 3 out of 5 stars

Activating the account is fast and painless. However, you would block the account, if not enough funding exist to pay the monthly fee. This doesn't make sense, because anyhow the credit card is only a... See more

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Rated 1 out of 5 stars

This is Worst service i ever faced. First few days working well after that i have one amount which is coming on 27 jan but until today 09 feb still they are reviewing. This VIVID Money is terrible onl... See more

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Rated 1 out of 5 stars

This bank has been extremely disrespectful This bank has been extremely frustrating. Their support doesn’t respond only automated AI messages, no replies to emails, I’m completely stuck and don’t k... See more

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Rated 1 out of 5 stars

Terrible trading experience. Card ordered 04/12 still waiting for the card. Stocks and Crypto is an absolute joke with them just demolishing any investor with deposits in and out fees in. The... See more

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Rated 1 out of 5 stars

I lost acess to my account when i lost my device. Im waiting already a month to get support, same problem other 2 my using banks was solved on 1 day. Verified my identy and returned my acess. Vivid su... See more

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Rated 1 out of 5 stars

Like many others here, my funds were blocked without any explanation. And for some reason, I can't get my money back. According to the information I received via email, The process takes 28 days, and... See more

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Rated 4 out of 5 stars

The speed of response. The friendlyness and freshness with the emojis. The constructive issue solving. I urgently suggest you allow both EUR and CHF accounts not only for businesses, yet for per... See more

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Rated 1 out of 5 stars

The service is unbelievably poor once you face an issue. I can’t upload invoices or receipts — my plan includes 25 uploads monthly, but it stops at 10 and prompts me to upgrade. I’ve been trying to ge... See more

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Rated 2 out of 5 stars

I am dissatisfied with the way in which the cashback offer in Google Ads payments is communicated by Vivid. The deal was clearly indicated to give 5% cashback for transactions made at Google... See more

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Rated 1 out of 5 stars

Hello, I lost access to my Vivid account because I no longer have the phone number I used during registration. I still have access to my email and other account details, but without the numbe... See more

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Rated 1 out of 5 stars

On Thursday I got paid my salary and wanted to transfer funds to my girlfriends Revolut account so she can pay rent for the month,my vivid account is now blocked and I dont know whats going on and how... See more

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Rated 1 out of 5 stars

I requested to change my phone number in my Vivid account more than a week ago. The support team told me that my request had been forwarded for verification, but since then I haven’t received any... See more

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Rated 1 out of 5 stars

1 - You will need to select the 1 star reviews and analyze the number of reviews 2 - Do a control F and use words as close account or frozen 3 - You will see the pattern there , and you sho... See more

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Rated 5 out of 5 stars

I've been really happy with Vivid so far. I love the cashback program – especially the option to choose categories that fit my spending habits. The app is super user-friendly and makes managing my fin... See more

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Rated 4 out of 5 stars

The sign up process was very easy. We had tried other software and it was not so smooth. In other software it got rejected and we were not informed why it got rejected. We are a new company in Germany... See more

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Rated 1 out of 5 stars

Vivid decided to suddenly close my account without a clear reason. The worst part is that they are holding my money, and when I contacted support, they told me there is no specific timeframe for r... See more

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Rated 1 out of 5 stars

Bad experience with Vivid Bank – 2 months and still no refund I do not recommend using Vivid Bank! It has been 2 months, and I still cannot get my money back. The situation is only getting worse... See more

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Rated 5 out of 5 stars

I chose Vivid.Money because it allows me to manage accounts for all my businesses in one place. Compared to other online banking systems I’ve tried, it offers the best value for money. For one of my... See more

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Rated 5 out of 5 stars

I am very pleased to be one of Vivids customer. The banking app works well once you have set-up everything you needed to install. Payment's go smoothly and within seconds you make debits and topups a... See more

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Rated 1 out of 5 stars

Nul 👎 le tchat ne répond jamais preuve jointe Vivid refuse de me dédommager We will send you a notice when a staff member responds. We have a lot of requests right now, so it may take longer... See more

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Rated 1 out of 5 stars

I am posting this as a new review because my situation has not improved since my previous complaint. I still have €10,000 frozen in my Vivid account, now for several months, with no... See more

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Rated 1 out of 5 stars

So I wrote a review a month ago. I'll give you some updates.. My account has been blocked since early August, and my funds have been completely inaccessible for over two months. Despite contactin... See more

Company replied


Company details

  1. Financial Institution
  2. Investment service

About Vivid

Written by the company

The right app for you

Vivid is an all-in-one financial platform for personal, business and freelance accounts. Open multiple IBANs, get virtual and physical cards, earn high interest and cashback, invest in your future, and give yourself all the tools for success.

Dare to dream: over 1 million Europeans downloaded the app to grow their money.

Vivid Business
for Companies & Freelancers

  • Free registration in minutes with free subscription
  • 4% annual interest rate on your money*
  • Up to 10% cashback on card purchases
  • Unlimited IBANs
  • Instant SEPA and international transfers
  • Free business cards
  • Unlimited card spending limits
  • Easy bookkeeping tool
  • AI-powered invoicing feature
  • Add team members and set permissions
  • Mobile and web access

Vivid Personal
for your daily finances

  • Up to 15 Pockets with their own IBANs
  • Up to 4% cashback on card purchases
  • 3% annual interest rate*
  • Instant top-ups with cards
  • Share a Pocket with friends and family
  • Trade stocks, ETFs, and cryptos
  • Up to €1000/month free withdrawals
  • Get rewarded for every friend you invite

With Vivid, managing your personal and professional finances is easy, flexible and 100% transparent.

Your money, your rules.

Click here to learn more about Vivid.

Apple and the App Store logo are trademarks of Apple Inc.
Google Play and the Google Play logo are trademarks of Google LLC.

Vivid Money S.A. provides accounts, cards and payment services for Vivid Business and Personal. Vivid Money B.V., a financial institution authorised and regulated by the Dutch Authority for Financial Markets (AFM), provides investing services, Interest accounts and Interest Rate Pockets and Vivid Digital S.r.l provides Cryptocurrency services.

*The promotion is valid for the first 4 months after opening an Interest Account for all plans. Thereafter, you'll receive the regular interest rate as per your plan. This rate applies to funds up to 10 million EUR.

Smart finance tools for modern businesses

Written by the company

Earn daily interest
Boost your balance by generating daily returns on your funds with an Interest Account (provided by Vivid Money BV)!
Unlimited IBANs for all your needs
Send money in seconds with SEPA Instant or internationally with SWIFT.
Free VISA cards with up to 10% cashback
Minimise your expenses with rewards on every card purchase.
Bookkeeping made easy
Connect with over 50 German banks and 300+ banks across Europe to centralise all your transactions in one place.
AI-powered invoicing tool
Scan and pay invoices using your phone or by uploading documents. Generate invoices and email them to clients via your Vivid account.

Contact info

4.6

Excellent

TrustScore 4.5 out of 5

25K reviews

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1-star

Replied to 99% of negative reviews

Typically replies within 24 hours

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Rated 5 out of 5 stars

good

all works perfectly fine

2 February 2026
Vivid logo

Reply from Vivid

Thank you for sharing your positive experience with us. It's wonderful to hear everything is functioning smoothly.

Rated 1 out of 5 stars

Vivid's customer service is terrible

Vivid's customer service is terrible. The chat never responds, despite dozens of messages left. It's a disgrace. Avoid it at all costs. Do not open an account with Vivid. It's a ghost company, and when you miraculously get someone on the line, they are incompetent and tell you nonsense. For example, Ellaine or Aiden. I have proof of what I am saying.

11 February 2026
Unprompted review
Vivid logo

Reply from Vivid

Hi cliente👋, Thank you so much for your feedback! At Vivid, we're constantly working to improve our customer experience, and your input helps us do that.

We're sorry you're having concerns about support assistance. We are here to assist you. It would be great to know you can take advantage of all our services!

Don't hesitate to contact us through any of our channels (in-app chat or email).

We're here to help.
Best regards, The Vivid Team

Rated 5 out of 5 stars

Vivid

very good bank, administrator is quick to help when you need help

11 February 2026
Vivid logo

Reply from Vivid

Thank you for sharing your positive experience with the support team. It's wonderful to hear that assistance is readily available when needed.

Rated 5 out of 5 stars

Super gode service

Super gode service

7 February 2026
Vivid logo

Reply from Vivid

Tak for din positive tilbagemelding! Det betyder meget for os at høre, at du har haft en god oplevelse.

Rated 5 out of 5 stars

Very fast

Very fast. Recomand

10 February 2026
Vivid logo

Reply from Vivid

Thank you for your positive feedback! It's wonderful to hear that the service met your expectations so promptly.

Rated 5 out of 5 stars

The Perfect online banking experience.

The Perfect online banking experience.

5 February 2026
Vivid logo

Reply from Vivid

Thank you for sharing your positive experience with our online banking services. It's wonderful to hear that everything met your expectations so well.

Rated 5 out of 5 stars

Easy to use

Easy to use, love it

10 February 2026
Vivid logo

Reply from Vivid

Thank you for sharing your positive experience with us! It's wonderful to hear that you find the service straightforward and enjoyable.

Rated 5 out of 5 stars

Very convenient

Very convenient

29 January 2026
Vivid logo

Reply from Vivid

Thank you for sharing your positive experience with us! It's wonderful to hear that you found everything so easy to use.

Rated 5 out of 5 stars

Very great bank

18 January 2026
Vivid logo

Reply from Vivid

Thank you for your kind words! We're delighted to hear that you're pleased with our services.

Rated 5 out of 5 stars

Quelle facilité !

I appreciate how quickly the app loads and how easily I can transfer money between my accounts. 4.76% is one of the highest interest I have received from a bank.

26 October 2025
Unprompted review
Vivid logo

Reply from Vivid

Merci beaucoup pour votre retour positif ! Nous sommes ravis que vous trouviez l'application rapide et pratique pour vos transferts. C'est formidable de savoir que notre taux d'intérêt vous satisfait également.

Rated 5 out of 5 stars

Easy to use

friendly UI, easy to undrestand

9 February 2026
Vivid logo

Reply from Vivid

Thank you for your feedback! We're delighted to hear that you find our interface user-friendly and intuitive.

Rated 1 out of 5 stars

This is Worst service i ever faced

This is Worst service i ever faced. First few days working well after that i have one amount which is coming on 27 jan but until today 09 feb still they are reviewing. This VIVID Money is terrible only 2672 Euros comes as a Sepa instant but they take time. 02 times provide proofs what they asked but they are working like blind and only same answers giving. Reviewing there is no frame time and there is no proper answer. They have not any customer help line where you can complaint. I have send email for complaint and they also replied it is going to take 1 month for resolve complaint. What Non Sense is this. People want to use this kind of service for urgent payment sent or receive but they hold without any reason.

27 January 2026
Unprompted review
Vivid logo

Reply from Vivid

Hello Farrukh 👋,

Thank you for your feedback! At Vivid, we are constantly working to improve the customer experience, and your feedback helps us do that.

We are sorry to hear that you have an issue with the transfers.

As a regulated electronic money institution, the security of customers' money is a top priority and all actions taken are in line with internal policies and in full compliance with applicable banking regulations and our terms and conditions.

We would like to provide you with the necessary support. We would love for you to be able to use all of our services! Please don't hesitate to contact us via one of our channels (in-app chat and email). We are here for you.

Kind regards,
The Vivid team 💜

Rated 1 out of 5 stars

Serious Concerns About Reliability

I have been a Vivid customer for five years and a paying Vivid Prime member. Unfortunately, my recent experience has been extremely disappointing and distressing.
My account was abruptly suspended under "clause 33.4" without any meaningful explanation while I traveling abroad (something clearly reflected in my account activity). As a result, I was suddenly denied access to my own funds and effectively left stranded abroad with no other account.
Freezing a customer’s account without prior warning is already a serious matter. Doing so while they are traveling and dependent on access to their money demonstrates a concerning lack of responsibility and duty of care.
What is most troubling is the response from support. I received no transparency, no clarification, and no practical solution, only a generic statement that the decision is final. For a financial institution, especially one offering a paid Prime service, this level of communication and crisis handling is unacceptable.
After five years of loyalty, I did not expect to be treated this way. I would strongly advise anyone considering this bank to think carefully before entrusting them with access to their funds.

8 February 2026
Unprompted review
Vivid logo

Reply from Vivid

Hi Fatima-Zahra👋,

Thank you for reaching out. We truly understand how you feel about this.

We place a high value on the security of our customers, and adhere to all current regulations and statutory obligations, in certain cases, these regulations may require us to restrict or suspend accounts / transactions to obtain more information about our customers' activities and funds.

Should you need further assistance, please don't hesitate to contact us through any of our channels. We're here to help.

Sincerely,
The Vivid Team💜

Rated 5 out of 5 stars

Great Bank

Great Bank, very easy and quick, ideal...

29 January 2026
Vivid logo

Reply from Vivid

Thank you for your kind words! We're thrilled to hear that you find our services convenient and efficient.

Rated 5 out of 5 stars

Very professional

Very professional

6 February 2026
Vivid logo

Reply from Vivid

Thank you for your kind words! We appreciate your feedback and are pleased to hear about your positive experience.

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