# Vivid Money

> Source: https://docs.barcoder.ai/docs/wallets/vivid
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Vivid Money — official](https://vivid.money/)

## Overview

**Vivid Money** is a **German-founded mobile banking + investing app** operated by **Vivid Money GmbH**, launched **June 2020 in Germany** <sup>[1][1], [2][2]</sup>. Vivid combines a banking account, debit card, cashback rewards ("Vivid Money cashback") and an integrated investing/brokerage product (stocks, ETFs, crypto, fractional shares) in a single app, positioning itself as a "super-app" for money. It initially expanded across the Eurozone (Germany, France, Italy, Spain) and later pivoted toward serving small businesses + freelancers alongside its consumer offering.

## History

**June 2020 — Vivid Money launches in Germany** <sup>[1][1], [2][2]</sup>: Co-founded by **Alexander Emeshev + Artem Yamanov** (both ex-Tinkoff), built on a partner-bank model with **Solarisbank** issuing accounts and a **Visa** debit card.

**2021 — Eurozone expansion** <sup>[2][2]</sup>: Rolled out to additional EU markets including France, Italy and Spain; raised growth funding led by Greenoaks and Ribbit Capital, reaching a reported ~€775M valuation.

**2022-2023 — Pivot toward SMB / business banking** <sup>[2][2]</sup>: Vivid added business accounts targeting freelancers and small companies, broadening beyond the consumer cashback-and-invest proposition.

## Ownership & operator

**Operating entity**: **Vivid Money GmbH** (Germany).

**Founders**: **Alexander Emeshev + Artem Yamanov** (ex-Tinkoff Bank).

**Major investors**: Greenoaks, Ribbit Capital, SoftBank Vision Fund 2 (reported participation) <sup>[2][2]</sup>.

**Regulators**: **BaFin** (Germany); banking services partner-issued via **Solarisbank** (a BaFin-licensed bank).

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Vivid mobile app (iOS + Android) + Vivid debit card |
| **Identifiers** | Email + phone + IBAN + card number |
| **EU rails** | SEPA Credit Transfer + SEPA Instant |
| **Card network** | **Visa** (Vivid debit) |
| **Wallets** | Apple Pay + Google Pay via EMV tokenization |
| **Investing** | In-app brokerage — stocks, ETFs, fractional shares, crypto |
| **Sub-products** | Vivid cashback, Vivid Pockets (sub-accounts), Vivid Business accounts |

## Implementations & partners

**Operator**: **Vivid Money GmbH**.

**Banking partner**: **Solarisbank** (BaFin-licensed; account + card issuance).

**Card-network partner**: **Visa**.

**Competitors**: [N26](https://docs.barcoder.ai/docs/wallets/n26) (German neobank), [Revolut](https://docs.barcoder.ai/docs/wallets/revolut) (multi-market neobank super-app), [bunq](https://docs.barcoder.ai/docs/wallets/bunq) (Dutch neobank), [Trade Republic](https://docs.barcoder.ai/docs/wallets/trade-republic) (German neobroker with cash account).

## Status

**Active** <sup>[1][1], [2][2]</sup>:
- **Vivid Money GmbH** operating across Germany + selected Eurozone markets.
- Consumer banking + investing super-app with a growing SMB / business-account focus.
- User and financial metrics not publicly disclosed in verifiable form (~).

## Sources

[1]: https://vivid.money/ "Vivid Money — official"
[2]: https://en.wikipedia.org/wiki/Vivid_Money "Vivid Money — Wikipedia"
[3]: https://techcrunch.com/2021/02/04/vivid-money-raises-funding/ "Vivid Money funding — TechCrunch"

- [1] [Vivid Money — official][1]
- [2] [Vivid Money — Wikipedia][2]
- [3] [Vivid Money funding — TechCrunch][3]

## Source

Biography extracted from [vivid.md](https://docs.barcoder.ai/source/wallets/vivid). See `matrix.md` for standards-support matrix if present.