RelatedGermanyZero Min DepositOnline OnlyFast Approval

VividVivid Money

Germany 数字银行 Fully online Permit holders ★ 4
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Minimum depositNo minimum deposit
Monthly feeNo monthly fee on the basic tier (Prime subscription extra)
Minimum balanceNo minimum balance
How to applyFully online (Vivid app)
Processing timeOnline in minutes
Institution typeDigital Bank
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this bank

Vivid is a German-born European neobank offering multi-currency accounts, commission-free stock trading and cashback.

Advantages

  • 20+ currencies with free FX (monthly cap)
  • Cashback on spending
  • Commission-free stock trading
  • German deposit guarantee up to €100,000

Things to note

  • Requires EU/EEA residency
  • Advanced features need a subscription
  • Support is mainly online
  • Frequent ATM withdrawals are charged

Documents required

  • EU/EEA photo ID
  • Residency or tax ID
  • Local mobile number

Requires EU/EEA residency; non-European residents generally cannot apply.

Opening offers & benefits

Standing benefits

These are stable, standing account benefits (not time-limited) — available as long as you qualify:

No Monthly FeeNo Min DepositFully OnlineDigital BankMulti-CurrencyFast Approval
Bank offers change frequently by region and quarter. Checked 2026-10; follow the bank's official promo page.

FAQ

Can non-residents open an account with Vivid?

Partially. Vivid requires EU/EEA residency; non-European residents generally cannot apply.

How much money do I need to open a Vivid account?

No minimum deposit — the account can be opened at zero.

What documents are required for a Vivid account?

Have your EU/EEA photo ID, residency or tax ID and local mobile number ready, then verify.

How long does Vivid account opening take, and must I visit a branch?

A few minutes in the app; approval is usually instant to a few days.

Why might a Vivid application be rejected?

Common reasons: not an EU/EEA resident, unverifiable address, mismatched details, or failed KYC.

Does Vivid have any opening offers or new-account rewards?

Standing benefits: No Monthly Fee, No Min Deposit, Fully Online, Digital Bank, Multi-Currency, Fast Approval. Promotions change by region and quarter — always check the bank's official promo page (verified 2026-10).

Ready? Open your account

Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.

Open account ↗ Some links are affiliate (commission) links; this does not affect our objective assessment.

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Guides mentioning this bank

How to Open a German Bank Account: N26 and Traditional Banks→ Multi-Currency Accounts Compared: Wise, Revolut, Paysera→
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