bunq vs Vivid Money

Discover why bunq is the smarter way to bank—with flexible plans, innovative features, and a seamless experience designed for modern life.

Phone with a rainbow-striped screen next to a rainbow-striped bunq Mastercard

bunq vs Vivid Money

Discover why bunq is the smarter way to bank—with flexible plans, innovative features, and a seamless experience designed for modern life.

Phone with a rainbow-striped screen next to a rainbow-striped bunq Mastercard

bunq vs Vivid Money

Discover why bunq is the smarter way to bank—with flexible plans, innovative features, and a seamless experience designed for modern life.

Phone with a rainbow-striped screen next to a rainbow-striped bunq Mastercard

Compare personal accounts

Compare bunq and Vivid Money side by side across plans, accounts, payments, savings, support, and sustainability.

FeatureVivid Money
Personal Plans4 Plans3 Plans
Fully Digital Bank
German IBAN
Payment AccountsUp to 25 accountsUp to 15 accounts
Physical CardsPhysical card with paid planPhysical card with paid plan
Digital CardsFree Digital Credit CardFree digital debit card
Apple/Google Pay
Savings Accounts3.11% on depositsUp to 2.00% on deposits
Cash BankingUp to 6 ATM withdrawals monthlyUp to €1000 monthly

Compare personal accounts

Compare bunq and Vivid Money side by side across plans, accounts, payments, savings, support, and sustainability.

FeatureVivid Money
Personal Plans4 Plans3 Plans
Fully Digital Bank
German IBAN
Payment AccountsUp to 25 accountsUp to 15 accounts
Physical CardsPhysical card with paid planPhysical card with paid plan
Digital CardsFree Digital Credit CardFree digital debit card
Apple/Google Pay
Savings Accounts3.11% on depositsUp to 2.00% on deposits
Cash BankingUp to 6 ATM withdrawals monthlyUp to €1000 monthly

Compare personal accounts

Compare bunq and Vivid Money side by side across plans, accounts, payments, savings, support, and sustainability.

FeatureVivid Money
Personal Plans4 Plans3 Plans
Fully Digital Bank
German IBAN
Payment AccountsUp to 25 accountsUp to 15 accounts
Physical CardsPhysical card with paid planPhysical card with paid plan
Digital CardsFree Digital Credit CardFree digital debit card
Apple/Google Pay
Savings Accounts3.11% on depositsUp to 2.00% on deposits
Cash BankingUp to 6 ATM withdrawals monthlyUp to €1000 monthly

Disclaimer

Comparison based on publicly available information as of 08/05/2025. Features and pricing may change. Please check respective websites for the latest details.

* bunq savings account (individual, joint or child account), available on all bunq subscriptions, including the free plan, with no management fees. Gross annual rates. Your threshold is the highest balance reached over the last 6 months. The part of your savings up to your threshold earns a fixed base rate of 1.61% on the first €10,000 and 1.51% above €10,000. The part above your threshold earns a fixed bonus rate of 3.11% instead of the base rate: the advertised “up to 3.11%” rate therefore only applies to amounts above your threshold. The rates do not change; it is your threshold — and thus the amount to which each rate applies — that evolves over time. These rates are not promotional and have no end date. Interest is calculated and paid pro rata each week. Example: with a threshold of €5,000 and a balance of €10,000, you earn 1.61% on the €5,000 up to your threshold and 3.11% on the €5,000 above it, i.e. approximately €118.89 over 6 months (new threshold: €10,118.89). After an additional deposit of €5,000, you earn 1.61% on €10,000, 1.51% on €118.89 and 3.11% on €5,000, i.e. approximately €160.34 over the following 6 months, or approximately €279.23 over 12 months in total (assuming interest is kept in the account; amounts vary depending on your deposit day). Interest is paid on savings up to €100,000. bunq B.V., Basisweg 32, 1043 AP Amsterdam, Netherlands — credit institution authorized in the Netherlands, operating in France under the freedom to provide services. Terms at bunq.com.

Disclaimer

Comparison based on publicly available information as of 08/05/2025. Features and pricing may change. Please check respective websites for the latest details.

* bunq savings account (individual, joint or child account), available on all bunq subscriptions, including the free plan, with no management fees. Gross annual rates. Your threshold is the highest balance reached over the last 6 months. The part of your savings up to your threshold earns a fixed base rate of 1.61% on the first €10,000 and 1.51% above €10,000. The part above your threshold earns a fixed bonus rate of 3.11% instead of the base rate: the advertised “up to 3.11%” rate therefore only applies to amounts above your threshold. The rates do not change; it is your threshold — and thus the amount to which each rate applies — that evolves over time. These rates are not promotional and have no end date. Interest is calculated and paid pro rata each week. Example: with a threshold of €5,000 and a balance of €10,000, you earn 1.61% on the €5,000 up to your threshold and 3.11% on the €5,000 above it, i.e. approximately €118.89 over 6 months (new threshold: €10,118.89). After an additional deposit of €5,000, you earn 1.61% on €10,000, 1.51% on €118.89 and 3.11% on €5,000, i.e. approximately €160.34 over the following 6 months, or approximately €279.23 over 12 months in total (assuming interest is kept in the account; amounts vary depending on your deposit day). Interest is paid on savings up to €100,000. bunq B.V., Basisweg 32, 1043 AP Amsterdam, Netherlands — credit institution authorized in the Netherlands, operating in France under the freedom to provide services. Terms at bunq.com.

Disclaimer

Comparison based on publicly available information as of 08/05/2025. Features and pricing may change. Please check respective websites for the latest details.

* bunq savings account (individual, joint or child account), available on all bunq subscriptions, including the free plan, with no management fees. Gross annual rates. Your threshold is the highest balance reached over the last 6 months. The part of your savings up to your threshold earns a fixed base rate of 1.61% on the first €10,000 and 1.51% above €10,000. The part above your threshold earns a fixed bonus rate of 3.11% instead of the base rate: the advertised “up to 3.11%” rate therefore only applies to amounts above your threshold. The rates do not change; it is your threshold — and thus the amount to which each rate applies — that evolves over time. These rates are not promotional and have no end date. Interest is calculated and paid pro rata each week. Example: with a threshold of €5,000 and a balance of €10,000, you earn 1.61% on the €5,000 up to your threshold and 3.11% on the €5,000 above it, i.e. approximately €118.89 over 6 months (new threshold: €10,118.89). After an additional deposit of €5,000, you earn 1.61% on €10,000, 1.51% on €118.89 and 3.11% on €5,000, i.e. approximately €160.34 over the following 6 months, or approximately €279.23 over 12 months in total (assuming interest is kept in the account; amounts vary depending on your deposit day). Interest is paid on savings up to €100,000. bunq B.V., Basisweg 32, 1043 AP Amsterdam, Netherlands — credit institution authorized in the Netherlands, operating in France under the freedom to provide services. Terms at bunq.com.

Switching to bunq is Easy

Easily move your banking to bunq with our Switch Service. Request the Switch Service in the app, and we will make sure all payments and direct debits from your old account(s) are redirected to your new bunq account. That way you do not need to worry about updating your details across all your subscriptions and services.

Diagram of money moving from a source bank account to a bunq Main Account

Switching to bunq is Easy

Easily move your banking to bunq with our Switch Service. Request the Switch Service in the app, and we will make sure all payments and direct debits from your old account(s) are redirected to your new bunq account. That way you do not need to worry about updating your details across all your subscriptions and services.

Diagram of money moving from a source bank account to a bunq Main Account

Switching to bunq is Easy

Easily move your banking to bunq with our Switch Service. Request the Switch Service in the app, and we will make sure all payments and direct debits from your old account(s) are redirected to your new bunq account. That way you do not need to worry about updating your details across all your subscriptions and services.

Diagram of money moving from a source bank account to a bunq Main Account

Join 22 million people banking with bunq

Sign up in just 5 minutes

Download the bunq app

Get the app for iOS or Android.

Fill in your details

Fill in your name, address, email, and phone number.

Verify your ID

Verify your ID with a quick video selfie and start banking right away.

Join 22 million people banking with bunq

Sign up in just 5 minutes

Download the bunq app

Get the app for iOS or Android.

Fill in your details

Fill in your name, address, email, and phone number.

Verify your ID

Verify your ID with a quick video selfie and start banking right away.

Join 22 million people banking with bunq

Sign up in just 5 minutes

Download the bunq app

Get the app for iOS or Android.

Fill in your details

Fill in your name, address, email, and phone number.

Verify your ID

Verify your ID with a quick video selfie and start banking right away.

Choose your personal plan

Start simple. Upgrade when you want more ways to save, spend, and travel.

bunq Free

Free

Start banking

A simple personal account to get started with bunq.

Learn more

bunq Core

€3.99

/month

Everyday banking essentials with smart cards and accounts.

Learn more

bunq Pro

€9.99

/month

More ways to save, budget, and travel with confidence.

Learn more

bunq Elite

€18.99

/month

Premium personal banking for life at home and abroad.

Learn more

Choose your personal plan

Start simple. Upgrade when you want more ways to save, spend, and travel.

bunq Free

Free

Start banking

A simple personal account to get started with bunq.

Learn more

bunq Core

€3.99

/month

Everyday banking essentials with smart cards and accounts.

Learn more

bunq Pro

€9.99

/month

More ways to save, budget, and travel with confidence.

Learn more

bunq Elite

€18.99

/month

Premium personal banking for life at home and abroad.

Learn more

Choose your personal plan

Start simple. Upgrade when you want more ways to save, spend, and travel.

bunq Free

Free

Start banking

A simple personal account to get started with bunq.

Learn more

bunq Core

€3.99

/month

Everyday banking essentials with smart cards and accounts.

Learn more

bunq Pro

€9.99

/month

More ways to save, budget, and travel with confidence.

Learn more

bunq Elite

€18.99

/month

Premium personal banking for life at home and abroad.

Learn more

Open your bank account in just 5 minutes

All you need to get started is your phone and ID.

Phone lying flat with a rainbow-striped screen

Open your bank account in just 5 minutes

All you need to get started is your phone and ID.

Phone lying flat with a rainbow-striped screen

Open your bank account in just 5 minutes

All you need to get started is your phone and ID.

Phone lying flat with a rainbow-striped screen

Related articles

Keep exploring practical ways to get more from your money with bunq.

Related articles

Keep exploring practical ways to get more from your money with bunq.

Related articles

Keep exploring practical ways to get more from your money with bunq.

Download the app and start banking in minutes.

Download the app and start banking in minutes.

Download the app and start banking in minutes.

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