Vivid

German neobank with 4% savings interest, up to 4% rotating cashback, free €1,000/mo ATM, crypto trading, and business accounts. Germany only — not in Switzerland.

Country: DEIBAN: DEFounded: 2020

Monthly fee

Free

Open Account →

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Pros

✓4% interest on savings (5% first 2 months)
✓Up to 4% rotating cashback
✓10% cashback on hotels + car rentals
✓Free ATM up to €1,000/month
✓24/7 support (chat/email/WhatsApp)
✓Business accounts with bookkeeping
✓Web + mobile app
✓Multiple IBANs
✓Crypto trading

Cons

✗Germany only — NOT available in Switzerland
✗German IBAN only
✗5% promo rate drops after 2 months
✗Crypto via separate subsidiary

Features

Google / Apple Pay✓ Yes

Multi-Currency✗ No

Savings Account✓ Yes

Interest Rate4%

Crypto Support✓ Yes

Investment Feature✓ Yes

Physical Card✓ Yes

Virtual Card✓ Yes

Joint Account✗ No

Business Account✓ Yes

Kids Account✗ No

Instant Transfers✓ Yes

Cash Deposit✗ No

Desktop App✓ Yes

Customer Support24/7

Fees

FX Fee0% (free plan, limited)

Card DeliveryFree

Limits

Daily ATMEUR 1,000/mo free

Daily TransferEUR 20,000

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