Neobanks: Comparison of Fintechs and Banks, In-depth review for the free bank account with cashback. Since the Vivid debit card doesn't reveal any details about the cardholder, there's always a slim chance that it may be declined. In general, Vivid Money has earned outstanding feedback from users across the board, garnering an average rating of 4.5 out of 5 stars on Trustpilot at the time of writing. The same applies to the purchase of cryptocurrencies via the Vivid app. . Lebensjahr. Innerhalb von Deutschland genügt für sie die Girocard. The person will then receive a link via SMS, which he or she can use to transfer the amount. We've chosen to compare the standard plan of Vivid Money with those of Revolut, N26, and the Wise Multi-Currency Account because of their similar all-round product offerings: Last updated: 03/12/2021¹ Germany, Austria and Italy only² Up to €200.00 per month, then 2.00%³ Up to 5 withdrawals or €200 per month, then 2.00%⁴ N26 uses Wise's platform for international money transfers⁵ Up to €1,000 per month, then 0.50%⁶ Up to €200 per month, then 3.00%. As soon as you have all the necessary documents ready, you can start the application directly in the Vivd app. If you do not have this number at hand, you can always do this later. If after those first three months expire new users don't wish to start paying, they'll be automatically downgraded to the basic 'Vivid Standard' plan which costs €0.00 in monthly fees. Wenn es bei Deiner Schufa eher schlecht aussieht: Paypack Visa auf Guthabenbasis, Vivid Money Visa und Hypovereinsbank Debit zum Pluskonto. We would like to give you the answer to these questions in our Vivid Money review, in which we take a close look at the smartphone bank. The up to 15 pockets (sub-accounts with their own IBAN) are a great feature to organise your personal finances in the best possible way. To find out the IBAN of a sub-account, simply select the desired pocket in the pocket overview of the Vivid app. Affiliate DisclosureInstead of banner ads and paywalls, Monito makes money through affiliate links to the various payment service providers featured on our website. Advice and answers from the Vivid Help Team. You may also be able to load cash at ATMs, bank branches, and retail locations, or add money from checks by using the mobile check deposit feature on your card issuer’s mobile app. Therefore, we cannot guarantee that our information is complete and up to date. Serve American Express Prepaid Debit Account: Best for free cash reloads. If you use Vivid Money as your main account, you should earn at least a relevant amount each month. However, in our opinion, this plan is already very equipped and sufficient for most users (although there's always the chance that the free trial convinces you to start paying the €9.90 per month to upgrade!). All in all, we give the Vivid Bank a strong 4.5 out of 5 points in our test in this category. Using the so-called "pockets", for example, you can open a new sub-account with your own IBAN in less than a minute and share it with friends and acquaintances if necessary. There are no transaction costs for US equities, while minimal transaction costs are charged for European ones. Learn more about all-purpose reloadable card. Debit cards are 3-D Secure. We’ve got you covered ¾ With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your Visa Prepaid card. Für beides verlangt der Anbieter keine Grundgebühr. Your employer may offer you a payroll or healthcare prepaid card so you can manage your payday funds more easily — and enjoy many of the advantages of Visa. Dadurch lassen sich die Angebote nur schwer miteinander oder mit Standardkarten vergleichen. Wenn Du noch minderjährig bist: DKB Visa zum U18-Girokonto (. However, a fee of 24.90€ is due for this. Although Vivid Money is still a young neobank, it is a trustworthy company (8.0) that can most certainly be trusted as a digital banking partner for your everyday needs. Vorteile der Vivid Money Kreditkarte. In addition, your Vivid credit card can be customized even more with a picture, your initials or a personal message. We have received a mail on our account as well, stating that our card will be deactivated but we can continue to use the account through the app, as well as the virtual credit card on our account: As mentioned above, the free custody account with Vivid Invest can be applied for when opening the account or even later if desired. After the three months you have to actively confirm that you want to pay money for it in the future. ); Up to 15 free sub-accounts in up to 100 different currencies; No international transfers or cash deposits. Alternative: Basiskonto - Wer von der Schufa schlecht bewertet wird, kann auch auf anderen Wegen an eine Kreditkarte kommen. Karte sperren: Inland: 03056795211. By François 1 author 20 articles. No. Instead of a classic checking card, Vivid Money offers a VISA credit card with a noble metal look. Basically, all users start with the fee-based account model for 3 months, for which no fees are charged within this period. Du musst Dir also beim Auswählen der richtigen Karte keinen Kopf machen, ob es eine Visa-Karte oder Mastercard ist. Mehr Infos. The requirements that an applicant must meet are also kept quite simple. We use cookies to offer you the best experience possible on this website. Manage your money without the worry of overdraft fees. Prepaid-Kreditkarten sind eigentlich keine „richtigen“ Kreditkarten, denn Du bekommst kein Geld von der Bank als Kredit. Vivid customers can use it to invest in shares, ETFs or, most recently, cryptocurrencies very easily and commission-free from as little as 1 cent. We remain curious and will update our review as soon as new features are available in the Vivid app and will again collect our experiences with them. On the other hand, paying with your Vivid card is free of charge worldwide without limitation. However, this is not recommended. I would never trust a bank like this with my finance! Bei Finanztip handhaben wir Affiliate Links aber anders als andere Websites. Beim Geldabheben sieht dies anders aus: Du kannst pro Monat bis 200 Euro kostenlos abheben, danach bezahlst Du jedes Mal 3 Prozent der Abhebesumme als Gebühr. They have saved us money and have the best customer service. With the feature, the company takes the next step to give its users full control over their finances. I don't advise using the vivid app as Vivid Money GmbH, a foreign act as an exchange broker agent tied to Solarisbank AG, will have access to your "bank account" and manage it!!! Für das Bezahlen in einer anderen Währung als Euro fallen keine Gebühren an. Zudem können die Banken die Kunden ablehnen, falls sie schon ein anderes Girokonto haben. Another point of criticism is the fact that Vivid doesn't yet offer international money transfers. Entscheidend war vielmehr: Die Anbieter überprüfen die Bonität nicht bei den Auskunfteien. Bezahle immer in lokaler Währung - Wenn Du außerhalb der Eurozone unterwegs bist, kannst Du beim Bezahlen und Abheben häufig entscheiden, in welcher Währung Du abrechnen willst. Unlike credit cards, prepaid cards don’t incur interest charges and don’t require a credit check to obtain. Earn up to €150 per month by using your Vivid card to spend. What we love about the Netspend Visa Prepaid Card: When you start your card account, you'll get access to a high-yield savings account . Instead, it is pre-loaded with a balance of funds. Let us know! On the other hand, critiques of Vivid included a few reports of cashback not arriving on time or at all and accounts being temporarily blocked after receiving large transfers for AML reasons. Dabei unterscheiden sich unsere Musterkunden-Profile: Bei dem Profil für Minderjährige gehen wir davon aus, dass das Kind die Karte vor allem für ein Auslandsjahr benötigt. However, since Vivid cooperates with various providers similar to direct banks, it is possible to withdraw money free of charge all over the world with the smart metal card from Vivid. Das heißt für Dich, dass Du Geld auf das Kartenkonto laden musst, damit Du die Karte nutzen kannst. Du kannst dreimal im Monat kostenlos mit der Karte Geld abheben, danach fallen für jede Abhebung 4,90 Euro an. In addition, the limit of €200 ('Vivid Standard') or €1,000 ('Vivid Prime') per month applies to cash withdrawals worldwide. For example, you might notice this in the BIC you'll receive as a Vivid customer, which happens to be Solaribank's BIC. Get the benefits of having a Visa card without worrying about credit checks, expiring funds or overdraft fees. No, this is not possible. Yes, Vivid Money is a safe and secure platform to hold, spend, send, and receive money. Die DKB bietet zum Jugendkonto Cash U18 eine Debitkarte von Visa an. A brief investigation revealed that this is a special requirement under the Foreign Account Tax Compliance Act (FATCA) that does not apply to US banking institutions. Most grocery stores provides free cash back when you use a Visa Prepaid card. Furthermore, all customer data is stored in secure data centres within Germany and not on foreign servers. Auch bei Minderjährigen winken Kartenunternehmen oft ab. payments are debited promptly and not collected on a monthly statement. WHat we find particularly appealing about this feature is that you invest the balance directly from your own current account without needing to set up a separate clearing to brokerage account. Aufladegebühr - Prepaid-Karten musst Du vor der Nutzung mit Geld aufladen. The all-purpose Visa Prepaid card is a reloadable prepaid card that you can use to withdraw cash, pay bills, or make purchases at participating retailers and service providers, in-person or online. The all-purpose Visa Prepaid card is a reloadable card you can use in-person and online to: Plus, you don’t have to worry about overdraft fees, since your spending cannot exceed the available balance on your card. The best option is to direct deposit all or some of your paycheck, government checks or even your tax refund directly to your Visa Prepaid card. I created a virtual card as the physical card is not free (cost around 8euro) Then I went through the cashback offers, which were divided into "deals" for free users and "super deals" vivid prime a paid membership ( 9.90 €/month). If you decide to upgrade to 'Vivid Prime', you can do so at any time via the Vivid app. Hast Du Dich vertippt? Für Menschen, die eine Kreditkarte ohne Schufa-Abfrage suchen, empfehlen wir als Prepaid-Karte die Visa-Karte von Payback. Pay bills online A top-rated app, the possibility to create up to 15 sub-accounts for free and useful features such as a detailed overview of all income and expenses in various categories: Vivid Money goes far beyond classic banking as you might know it from your house bank. This website uses Google Tag Manager and Google Analytics, to gather anonymous information such as amount of visitors or the most popular pages. Wir empfehlen Dir, nur auf eine Prepaid-Karte zurückzugreifen, falls Du keine Standard-Kreditkarte bekommst. It does not seem too bold a thesis that Vivid Money could develop in a similar direction. Dauerhaft ohne Jahresgebühr (Die Visa Debitcard ist dauerhaft kostenlos, lediglich der Versand kostet einmalig 9,90€.Das obligatorische Girokonto ist zwar gebührenfrei, jedoch nur wenn die Visakarte mindestens einmal monatlich für Zahlungen genutzt wird oder wenn sich am Ende des Monats mindestens 1.000€ auf dem Konto befindet. If you want to open your account as quickly as possible, you should of course opt for online identification via video chat, which, according to the information in the Vivid app, only takes two minutes. Unsere Emp­feh­lungen findest Du weiter unten im Ratgeber. Die hat den Auftrag, die Finanzbildung in Deutschland zu fördern. Eine weitere wichtige Zielgruppe für Prepaid-Kreditkarten sind Minderjährige. At the end of July 2021, Vivid Money introduced the "Top-up function". Wir konzentrierten uns hierbei auf Abhebungen in Fremdwährung, da viele Jugendliche ihr Auslandsjahr zum Beispiel in den USA, Kanada oder Australien verbringen. All in all, Vivid Money convinced us the least in our test in this category when we took a closer look. By François 1 author 51 articles. 4 Easy-access crypto investing Trades One free trade per month, after 1.49%, minimum €0.79 Unlimited free trades Save on payments & transfers Fee-free payments globally Fee-free money transfers Fee-free direct debits Budgeting and spending forecast Specifically, this is a law passed in the USA in 2010 that is intended to make it more difficult for persons liable to tax in the USA to conceal income through the use of foreign accounts or deposits - provided that this is not your reason for opening an account with Vivid, you can of course tick this box without a guilty conscience. Die Gebühr beträgt 3,90 Euro pro Monat. So if you lose your card, you don't have to worry about it falling into the wrong hands. On the other hand, card payments are not limited at all worldwide, meaning frequent travellers can easily make back their money's worth. As a banking app, Vivid Money does not have its own branches or ATMs where you can withdraw cash. After the identification, the registration process is complete and your account is basically ready to use. Das Geld, das Du damit ausgibst, wird zeitnah vom Konto abgebucht. Can I deposit cash into my Vivid Money account? Dafür nehmen viele Hotels und Mietwagenfirmen Prepaid-Karten gar nicht erst an – egal wie viel Guthaben auf der Karte ist. There’s a variety of ways to deposit checks, load cash and more — online or in-person. With prepaid cards, you’re spending money that has already been loaded onto the card. erscheinen, schaue bitte, ob sie fälschlicherweise im Ordner für „Spam“, Vermögensaufbau, Steuern und hohe Inflation: Unsere Finanztip-Expertenredaktion versorgt Dich in unserem wöchentlichen Newsletter mit den wichtigsten Tipps rund um Dein Geld. Mit deinem Beitrag unterstützt Du uns bei der unabhängigen Recherche für If you regularly make larger purchases from Vivid partners or run subscriptions such as Netflix, Spotify, or Amazon Prime, then the cashback can also become very cost-effective indeed. On request, the cashback can be credited back to the cash account directly after payout. Then each purchase you make is deducted from that balance. However, with both providers you have to pay for it, while with Vivid the feature is also available in the free account. The mainstay of Vivid Money's platform, Vivid's mobile app is the only platform with which to manage your account. Als Erwachsener mit guter Schufa kannst Du nach einer regulären Kreditkarte schauen. Vivid Money Review: Fees, Card, Usability, and Monito's Verdict. For our Vivid Money review, we compared both the free and the paid bank account of the smartphone bank. 850.000 Abonnenten sind schon dabei. The digital current account is offered in cooperation with solarisBank AG, which has a banking licence from the European Central Bank and is subject to the usual regulations for banks in Germany. On the other hand, with this model the shares do not belong to you, but to CM-Equity AG, with whom Vivid cooperates for the portfolio. Bluebird by American Express: Best for avoiding fees. You can find out how this works in the following section. Neben diesen offensichtlichen Kosten gibt es allerdings eine Vielzahl weiterer, oft versteckter Kosten. On the downside, however, because Vivid's accounts are partnered with a bank, users can also expect negative interest rates on high account balances (0.50% for balances over €250,000 at the time of writing). Für beides verlangt der Anbieter keine Grundgebühr. Visa Prepaid card is the quick, easy, and secure way to pay online or in-person—24 hours a day, 7 days a week. Aber: Das Konto ist für Erwachsene nur durchgängig kostenlos, wenn regelmäßig 700 Euro monatlich auf dem Konto eingehen. Did you find it helpful? Frag am besten nach, bevor Du ein Hotel oder einen Mietwagen buchst. For this reason, everything we do for you is free. In unserem Test waren deshalb nicht nur Prepaid-Karten interessant, sondern auch Debitkarten. Sollte die E-Mail nicht innerhalb einiger Minuten in Deinem Posteingang Considering the seemingly maximum possible €100, this is somewhat sobering. What experiences have Vivid Money customers had? Ob und in welcher Höhe uns ein Anbieter vergütet, hat keinerlei Einfluss auf unsere Emp­feh­lungen. Bei Hotel- und Mietwagenbuchungen werden Prepaid-Karten nicht immer akzeptiert. It’s easy to get a Visa Prepaid card and there’s no credit check required. If you are unsure which account is right for you, you can test Vivid Prime for three months free of charge and without obligation. Pay quickly and conveniently online and in stores — plus get your payday funds faster with direct deposit. This is both an advantage and a disadvantage: on the one hand, it gives you the opportunity to invest small amounts in popular shares such as Tesla, Amazon, Apple or Google. Die Konditionen bleiben dadurch zunächst unverändert. It starts with the metal card, on which no personal data is given except for the name, and ends with the processing of the data. Tell us your opinion, experience and criticism: Are you a Vivid user? erneut Deine E-Mail-Adresse eingeben. Significantly more cashback of up to 25% is available in the Champion programme or for the "Super Deals". Currently, there are few neobanks that are quite as well-priced for foreign use as Vivid Money, where no foreign currency fees whatsoever are charged (only the base Visa exchange rate surcharge). Probleme beim Hinterlegen einer Kaution - Bei der Buchung von Hotels oder Mietwagen kann es zu Problemen kommen, weil Kreditkarten dabei oft als Sicherheit verwendet werden. Nur dann kann der entsprechende Anbieter einen Link zu diesem Angebot setzen lassen. Nutzer diskutieren darin oft, welche Karten wo gut funktionieren. It should take around 3-5 business days. Learn more. This does not affect the opinions and recommendations of our editors. The Tinkoff Bank app can now justifiably be called a "super app". Unlike N26 or bunq, for example, Vivid Money does not offer an explicit business account as of today (May 2021). But after the fintech was able to raise more than 75 million euros in investor money since its founding - among others from Ribbit Capital and the TCS Group - the goals were set high. One of the most popular features of Vivid Money is the cashback programme. By François 1 author 25 articles. Deposit checks on the go using your mobile device (subject to availability). Aber: Bei unserem aktuellen Test haben wir festgestellt, dass es zurzeit nur wenige günstige Prepaid-Karten gibt, die wir für empfehlenswert halten. In the table below, you will find the most interesting Vivid Money features at a glance. Cash withdrawals of more than €200 per month incur a 3.00% fee. You can search for the Vivid Money app directly in the App Store or Play Store. Keine Flexibilität - Prepaid-Karten sind reine Guthabenkarten; ohne Vorauszahlung funktionieren sie nicht. However, in order to actually use the account, you first have to transfer money to it - but that is currently only possible by SEPA transfer. GIROMATCH.com is your credit platform. Get your paycheck instantly loaded to a payroll card and enjoy a fast, convenient way to make purchases, pay bills and manage your money. For this purpose, we downloaded the Vivid app on iOS (App Store) and applied for an account with Vivid to make our own experience with the banking app. This review provides a detailed coverage of what you can do with Vivid Money in the Netherlands, including its features and fees, to help you decide if it suits your banking needs. In turn, solarisBank does not offer accounts for end consumers; its business model is rather based on providing banking services to other companies - such as Vivid Money GmbH. Lebensjahr, Weltweit dreimal im Monat kostenlos Bargeld abheben, mögliche Probleme bei Hotels und Mietwagen, kostenloses Abheben bis maximal 200 Euro pro Monat, ab dem dritten Jahr fallen Kontogebühren an, für Minderjährige zugänglich und/oder die Bonität wird nicht über Auskunfteien geprüft, Jahresgebühr durfte nicht über 0 Euro (Minderjährige) / Summe aus Jahresgebühr/Monatsgebühr/Ausgabegebühr über 50 Euro (ohne Schufa) betragen, Prepaid- oder Debit-Karten, die überregional angeboten werden, bei Streitigkeiten mit dem Anbieter greift deutsches Recht. Currently, however, we would fully recommend Vivid, as we think it is one of the best neobanks on the market. This is an interesting extra, but of course, it can't compete with the other cashback offers. Vivid Money automatically recognizes subscription payments based on card transactions and scheduled payments from customers. Provides statutory deposit insurance in cooperation with Solarisbank AG. The fact that Vivid isn't a fully-fledged bank isn't necessarily a disadvantage; it's generally tough for young banking startups to obtain their own banking licenses. I was excited to try it; after spending about an hour with the signing up and verification process, my account was APPROVED. Cards and Accounts. Account-holders can also change their Euro balance in 40 ('Vivid Standard') or 107 ('Vivid Prime') foreign currencies before a trip and thus dodge exchange rate risks entirely. The commission allows us to continue to offer our platform free of charge to you and to improve our product portfolio. In other words: the bank account from Vivid Money is supposed to be more than just a necessary tool that you need as a salary account or to pay your bills. Vivid Money is an online bank that has partnered with Visa and SolarisBank, a German fintech startup to offer personal money management services.You can open either of the two accounts, Vivid Standard account for free or Vivid Premium account for €9.90. This probably gives you enough time to assess whether the features of the fee-based version are worth the money. Vivid's cashback is tied to stocks, but it doesn't buy the shares as underlying assets directly. Wenn solche Karten schufafrei sind, gehört zum Konto in der Regel kein Dispo. You’re covered if your card is ever lost, stolen, or fraudulently used. You can fund the reloadable Visa Prepaid card through a variety of ways, such as through direct deposit or with cash at a participating retail location. These are free lessons in which both beginners and advanced investors can receive helpful tips on the topic of investing - for example, how to build a portfolio or how to assess the risks of individual asset classes. The only concerns we have are about the international acceptance of the Vivid card. However, this only applies if you withdraw at least €50 and up to a limit of €200 (Vivid Standard) or €1,000 (Vivid Prime) per month. Considering that the core target group of Vivid Money certainly pays at least by card or rather directly with the mobile phone via Google Pay or Apple Pay, most users should be able to live with this restriction. Our extensive range of trusted affiliate partners enables us to make detailed, unbiased, and solution-driven recommendations for all types of consumer questions and problems. PayPal payments are only accepted for online orders. Das ist aber längst nicht bei allen Prepaid-Karten der Fall. Fees vary by issuer. Doch nicht jeder, der eine Kreditkarte möchte, bekommt sie auch. For similar cards you usually have to dig deep into your pocket at other neobanks like N26, bunq or Revolut. If Vivid does not change this in the future, the smartphone account seems to be an interesting alternative for a current account without SCHUFA. The first €200 withdrawn per month is free worldwide; Handy in-app tools (e.g. © 2023 GIROMATCH GmbH, Ludwigstraße 33, 60327 Frankfurt am Main HRB 99869 Amtsgericht Frankfurt, USt-IDNr. Can I withdraw cash with my Vivid Money card? Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Sie wird meistens als Prozentsatz des fälligen Betrags berechnet. Das Abheben in einer anderen Währung als Euro ist weniger wichtig. The cards might be free but they charge €9.90 or €24.96 for delivery!!! A Visa Prepaid card won’t help you build your credit rating since, unlike a credit card, spending on your prepaid card isn’t reported to the credit bureaus. In addition, you can create up to 15 sub-accounts (so-called "Pockets") with separate IBANs free of charge in both models via the Vivid app, which you can easily share with other people at the click of a button. At the time of our test (May 2021), there was a special promotion in which you receive a "stock bonus" in the form of a share of up to €100 in a randomly selected share for opening the securities account. Get paid faster Access your money faster with direct deposit of paychecks, tax refunds, government checks and other recurring checks.