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Vivid Money

Award-winning digital business banking — 5% fixed interest on uninvested cash, Best Business Account 2026

BankingAvailable in English
4.0/ 5
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Free account

Founded:2019
HQ:Germany
Regulator:BaFin
Protection:€100,000
Cash interest:5%

Rating breakdown

Overall
4.0
Fees
4.5
Platform
4.5
Safety
3.5
Product range
3.5

Pros

  • Best Business Account 2026 (Finanzfluss)
  • 5% fixed interest on uninvested cash
  • Top Mobile Banking 2025 (Handelsblatt) with 25K+ Trustpilot reviews

Cons

  • Primarily business-focused — limited personal banking
  • Relatively young fintech — less established than traditional banks
  • Deposit protection via partner banks

Platform & features

Available on

Web platform
Mobile app
Desktop app
API access

Key features

Fractional shares
Savings plan
Demo account
Copy trading

Availability

Languages

EnglishGermanSpanishFrench

Available in 4 countries

🇩🇪Germany🇪🇸Spain🇫🇷France🇮🇹Italy

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Investing involves risk. You could lose some or all of your money. Capmap provides educational information only, not financial advice. Always do your own research before investing.

Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer