EU sovereignFintech & NeobanksHeadquarters: DE

Vivid Money: sovereignty score and 8 European alternatives

Vivid Money is a fintech for banking, expense management and investing, delivered as an app and web platform. Businesses get accounts with IBANs, SEPA Instant, SWIFT and currency payments, invoicing, online payments and card terminals, plus virtual and physical corporate cards with budgets, roles and approval workflows. It also offers interest accounts, managed model portfolios and a business brokerage account. Private customers get payments, cards, stocks and ETFs, crypto and an interest account.

Vivid was founded in Berlin in 2019 and has offices in Amsterdam, Luxembourg and Limassol. Its services come from three companies: Vivid Money S.A. in Luxembourg (an electronic money institution regulated by the CSSF), Vivid Money B.V. in Amsterdam (supervised by the AFM) and Vivid Money GmbH in Berlin. Client funds are held in segregated accounts at European partner banks, including Natixis in France. According to Vivid, its servers are hosted in the EU. The platform is proprietary, with no open-source or self-hosting option. Vivid does not state who its shareholders are.

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Sovereignty score

71 / 1000 = high exposure
100 = sovereign

Jurisdiction SOV-2100
Headquartered in the EU: European law applies
Data residency SOV-3100
EU-only hosting
Cryptographic key sovereignty SOV-360
Key management with a European vendor
Freedom from lock-in SOV-640
Closed source: switching requires data migration
Source & runtime sovereignty SOV-4 · SOV-655
Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked July 2, 2026

Headquarters	DE (EU)Verified by hand
Sovereignty model	Vendor-hosted (EU)Verified by hand
Data hosting	EUVerified by hand
Open-source	NoVerified by hand
GDPR-compliant	YesVendor-stated
Hosting signal	CLOUDFLARENET - Cloudflare, Inc., US (US)Technically measured
Category	Fintech & Neobanks
Type	Product
Website	vivid.money ↗

The hosting signal shows the network that serves the vendor's website, often a CDN, and not necessarily where the service or your data is hosted. How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to Vivid Money

The European alternatives to Vivid Money come from our knowledge base of over 6,800 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

116 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with Vivid Money

Vivid Money is headquartered in DE and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so Vivid Money scores best on data residency.

Vivid Money is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs Vivid Money together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to Vivid Money?

It depends on your use case. Strong EU alternatives to Vivid Money include 1822direkt, ActivoBank and Air Bank. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Vivid Money?

Our list of EU alternatives to Vivid Money is mostly commercial options. Browse the category on the map for open-source choices.

Is Vivid Money GDPR-compliant and where is the data hosted?

Vivid Money is headquartered in DE (EU) and hosts data in EU. That makes Vivid Money an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on July 2, 2026.

Sources

This record was checked via the vendor's website and legal notice during the full audit of June and July 2026. Source links have been recorded per record since 20 September 2026.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

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