Vivid Money

Vivid Money is a Berlin-based mobile banking and investing app for personal and business customers across the EU, operating on a banking-as-a-service model with Solaris. It offers euro current accounts, multi-currency sub-accounts called Pockets, a metal Visa debit card, fee-free fractional trading of US and EU stocks, ETFs and crypto, and up to 4% cashback on selected categories. The free Standard plan covers the basics; the paid Prime tier unlocks more sub-accounts, currencies and higher cashback caps.