Revolut vs Vivid Money.
Revolut (R91/100) and Vivid Money (V62/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Revolut leads Vivid Money 7-1.
| R Revolut №01 · Bank of Lithuania 91 /100 | V Vivid Money №39 · Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services 62 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 91 /100 | 62 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €1,000 | €0 |
| Free ATM Before fee kicks in | €200 /mo | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank Bank of Lithuania | E-money inst. |
| Deposit guarantee Per depositor | €100,000 EU.DGS.LT | Safeguarded EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 48 countries | 5 countries |
| Crypto Coins available | 280 coins | 300 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 367k reviews | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.5 ★ iOS 4.5 · And 4.5 |
| Read review → | Read review → | |
Pick Revolut if…
Pick if you want a real bank licence with crypto, brokerage and FX in one app. The strongest all-rounder under the v3 methodology.
Pick Vivid Money if…
Pick if cashback on cards matters more than regulatory depth or rich product breadth.
- Best for fees Revolut won 1 of 4
- Best for protection Revolut won 2 of 2
- Best for reach Tied
- Best for ux Revolut won 2 of 2
Revolut vs Vivid Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Revolut better than Vivid Money?
Under our v3 methodology, Revolut leads Vivid Money 7–1 across 12 dimensions. Composite scores: Revolut 91/100 vs Vivid Money 62/100. Revolut is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Revolut or Vivid Money cheaper?
Monthly fee — Revolut: €0; Vivid Money: €0. Card FX markup — Revolut: Interbank; Vivid Money: Interbank. Revolut wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Revolut or Vivid Money?
Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Vivid Money holds a E-money inst. licence under Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services; deposit guarantee per depositor: Safeguarded. Revolut is the stronger pick on regulatory protection.
Where can I use Revolut and Vivid Money?
Revolut operates in 48 countries; Vivid Money operates in 5 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.