According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
- €0
- Web platform
- Proprietary Mobile app
- No
- Access to European and U.S. markets
Our Evaluation of Vivid
According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
Vivid is a high-risk broker with the TU Overall Score of 2.37 out of 10. Having reviewed trading opportunities offered by the company and reviews posted by Vivid clients on our website, Traders Union expert Anton Kharitonov does not recommend working with this broker, as, according to reviews, most clients are not satisfied with the broker.
Vivid is suitable for novice investors, freelancers, and small businesses looking for simple and accessible financial tools. However, users who prefer traditional brokerage services with a full range of innovative features and solutions may want to consider alternative options.
Brief Look at Vivid
Vivid was founded in Germany in 2019 and now has offices across Europe, including Amsterdam, Luxembourg, and Limassol. In 2020, the Vivid Money B.V. division, licensed by the AFM (Autoriteit Financiële Markten), was established. In 2021 it introduced the Invest Pocket platform for trading over 2,000 U.S. and European stocks, ETFs, and 300+ cryptocurrencies. The commission per order for stocks and ETFs is €1, while cryptocurrency fees range from 0.25% to 2%. Client investments are protected by the investor compensation scheme. The company offers interest-bearing accounts with favorable rates and cashback programs, as well as a wide range of financial services focused on the convenience and security of clients from Europe.
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- Investment in stocks, ETFs, and cryptocurrencies with low transaction fees;
- The ability to open up to 15 sub-accounts with individual IBANs;
- Support for over 100 currencies and favorable exchange rates;
- Free SEPA transfers and instant payments;
- Regulation and licensing within the EU;
- Accrual of interest on the account balance;
- User-friendly mobile application with extensive functionality.
- Inability to transfer assets between Vivid accounts and external investment accounts ;
- Limited service area – available only in EEA countries;
- No option to deposit cash into the account.
TU Expert Advice
Author, Financial Expert at Traders Union
Vivid offers a range of investment options through its web and mobile platforms, focusing on stocks, ETFs, and cryptocurrencies. It provides personal and business account types with an emphasis on ease of transactions through SEPA transfers, access to European and U.S. markets, and an economical fee structure. Notably, the company supports over 100 currencies with favorable exchange rates, and users benefit from interest-bearing accounts and cashback programs alongside the availability of fractional shares and a user-friendly mobile application.
However, Vivid presents several drawbacks, such as the inability to transfer assets to external accounts, limited services restricted to EEA countries, and the prohibition of cash deposits. Additionally, it lacks leverage and short-selling capabilities, which may not suit traders seeking advanced strategies. In conclusion, Vivid's offerings may appeal to conservative investors and beginners prioritizing low fees and funds protection, but may not cater to those who need more comprehensive and flexible trading solutions.
Vivid Summary
Your capital is at risk. The risk of loss in online trading of stocks, options, futures, currencies, foreign equities, and fixed Income can be substantial.
| 💻 Trading platform: | Web platform, Vivid mobile applications |
|---|---|
| 📊 Accounts: | Personal (Vivid Standard, Vivid Plus, Vivid Prime), Business (Standard, Prime, Free start, Basic, Pro, Enterprise, Enterprise+) |
| 💰 Account currency: | EUR |
| 💵 Deposit / Withdrawal: | Bank transfers |
| 🚀 Minimum deposit: | No |
| ⚖️ Leverage: | No |
| 💼 PAMM-accounts: | No |
| 📈️ Min Order: | €0.01 |
| 💱 EUR/USD spread: | €1 for stocks and ETFs |
| 🔧 Instruments: | Stocks, ETFs, cryptocurrencies, Money Market Funds (MMF) |
| 💹 Margin Call / Stop Out: | No |
| 🏛 Liquidity provider: | N/a |
| 📱 Mobile trading: | Yes |
| ➕ Affiliate program: | Yes |
| 📋 Order execution: | Exchange |
| ⭐ Trading features: | Access to European and U.S. markets |
| 🎁 Contests and bonuses: | Yes |
Clients can invest in stocks listed on U.S. and European Union exchanges, as well as European exchange-traded funds. The Vivid app supports the exchange of more than 300 cryptocurrencies for fiat currency (euros) or digital coins. Fractional shares are also available for investment, allowing trading in parts of stocks or ETFs. Orders are valid for one day only. Market and limit orders are available.
Vivid Key Parameters Evaluation
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Trading Account Opening
To log in to your Vivid user account, register via the website or mobile app by following these steps:
Click Open an account at the top of any page.
Select an account.
Verify your phone, download the mobile application and follow the on-screen prompts.
Registration is exclusively available to residents of the European Economic Area (EEA) countries.
Regulation and safety
Vivid operates as an investment company authorized by the AFM (Autoriteit Financiële Markten) regulator in the Netherlands. Its clients’ investments are protected by the Dutch Investor Compensation Scheme, which provides compensation up to €20,000 in the event that the company cannot meet its financial obligations.
Advantages
- State-level regulation
- Client investment protection is provided
- Segregation of client and company funds
Disadvantages
- Limited market selection
- Broker is focused on EU countries
- Leverage is not available
Commissions and fees
| Account type | Spread (minimum value) | Withdrawal commission |
|---|---|---|
| Vivid Standard | €1 | For international bank transfers |
| Vivid Plus | €1 | For international bank transfers |
| Vivid Prime | €1 | For international bank transfers |
For orders of financial instruments in foreign currency (non-euro), automatic conversion occurs at international exchange rates.
Below is a comparison of Vivid’s commissions with those of other brokers:
| Broker | Average commission | Level |
|---|---|---|
|
$1.14 | |
|
$2 |
Account types
Vivid offers personal and business accounts. For corporate needs, Standard, Prime, Free Start, Basic, Pro, Enterprise and Enterprise+ accounts can be opened. The conditions for personal use and investment in financial instruments are described below.
Account types:
Deposit and withdrawal
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Available withdrawal methods: SEPA and international bank transfers.
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Transfer amount: no restrictions.
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SEPA transfers are free of charge; international bank transfer fees range from €5-€30 depending on the account type.
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Instant transfers are available (if supported by the client’s bank). Standard transfers take 1-2 business days.
Investment Options
Vivid supports several solutions that allow for passive income generation in financial markets, as well as from the use of certain banking services.
Vivid’s investment tools:
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Interest rates: Accrued on uninvested funds up to €100,000. For the first two months after opening an account, the rate is 4% per annum, then 0.5-2.5% depending on the client’s chosen tariff plan.
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Cashback within Vivid Business: Companies and freelancers can receive up to 10% on business card purchases in selected categories such as Google and Facebook advertising, Amazon, air tickets, and software. The maximum cashback amount is €150 per month.
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Cashback for user accounts: Reaches up to 4% on selected purchase categories with the possibility of earning up to €100 per month for the Prime tariff and up to €20 for Standard. Up to four spending categories can be selected monthly. To receive cashback in the following month, a client must have a balance of at least €1,000 in the account or assets worth €100 in cryptocurrency or investments at the end of the current month.
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Dividends: Vivid clients can buy real stocks that pay dividends. These are paid within 2 business days of being credited. The company does not provide investment advice or recommendations, so clients are responsible for selecting dividend-paying stocks themselves.
Partnership program from Vivid
Vivid offers referral programs and various solutions for official partners.
Conditions for promotion rewards:
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Referral program: Those who invite other users can increase the standard cashback amount to 25% and receive up to €40 for super offers. If the referral opens a business account, the reward ranges from €20 to €100.
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Affiliate program: The company offers cooperation to affiliates, influencers, and product and business partners. Commission-based reward models are applied.
Bonuses are also awarded to those who join Vivid via a referral link. The reward amount depends on the type of account opened and the referrer’s country.
Customer support
The company provides support in German, English, French, Spanish and Italian. Chat support is available 24/7.
Advantages
- Customers can request assistance at any time
- Multilingual support service
Disadvantages
- Live chat is only available to company clients
Available communication channels:
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Email – the primary method;
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Live chat in the application (for clients registered with the broker);
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Feedback form on the website.
Contacts
| Registration address | Strawinskylaan 4117, 1077 ZX Amsterdam |
|---|---|
| Regulation | AFM |
| Official site | https://vivid.money/fr-fr/ |
Education
Vivid offers a variety of educational materials aimed at improving clients’ financial literacy. The blog provides structured courses covering investment, cryptocurrencies and personal finance management, as well as an extensive database of reference articles to help understand the service’s functionality.
Vivid offers access to quality educational resources, but for more in-depth learning, it may be necessary to consult additional external sources.
Detailed review of Vivid
Vivid ensures the security of client funds by segregating them from its own assets, which guarantees their protection against misuse. Client investments are additionally protected by the Dutch investor compensation scheme in the event of the company’s bankruptcy. Furthermore, Vivid has been certified according to the Payment Card Industry Data Security Standard (PCI DSS), which confirms a high level of protection for clients’ personal and financial data. Payment services are provided by Vivid’s Luxembourg division, regulated by the CSSF (Commission de Surveillance du Secteur Financier).
Vivid by the numbers:
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Founded in Berlin in 2019;
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Total funding raised amounts to $205 million;
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Company valuation reached $887 million after a Series C round in February 2022;
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Supports more than 100 currencies for transactions and exchange;
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Investment in 2,000+ stocks and 300+ cryptocurrencies is available.
Vivid – an investment platform with banking products for private and corporate clients
Vivid offers a comprehensive financial platform that combines banking services, investments and personal finance management. Users can open free accounts with individual IBANs, create up to 15 sub-accounts for various purposes and manage them in different currencies. Additionally, Vivid offers a cashback program that allows earning up to €100 per month depending on the selected tariff plan. Specialized accounts with high interest rates on balances and advanced financial management capabilities are available for businesses and freelancers.
Within the investment service, it exclusively provides order-execution services, meaning that clients independently make investment decisions without consultations or asset management by Vivid. Instant SEPA transfers are supported for convenient and cost-effective fund management.
Useful services offered by Vivid:
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A blog with useful content for beginners and experienced investors;
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Tools for budgeting and tracking expenses, managing subscriptions and blocking unwanted payments;
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Real-time market data with current prices from the world’s largest stock exchanges;
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Instant price alerts, relevant economic and financial news.
Advantages:
Cashback up to 10% on certain purchase categories;
Possibility of sharing sub-accounts with other users;
Apple Pay and Google Pay integration for convenient payments;
Fast and simple registration without paperwork;
24/7 customer support via in-app chat.
Vivid provides the ability to open business accounts for freelancers and entrepreneurs and access to a metal Visa card at no additional cost.
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