Trade Republic vs Vivid Money.
Trade Republic (T81/100) 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. A close tie.
| T Trade Republic №05 · BaFin 81 /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 | 81 /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 | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank BaFin | E-money inst. |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DE | Safeguarded EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 17 countries | 5 countries |
| Crypto Coins available | 50 coins | 300 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.3 ★ 28k reviews | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.4 ★ iOS 4.8 · And 4.1 | 4.5 ★ iOS 4.5 · And 4.5 |
| Read review → | Read review → | |
Pick Trade Republic if…
Pick if you want the cheapest brokerage in Europe (€1/trade) and the highest interest on idle cash. Not a primary current account.
Pick Vivid Money if…
Pick if cashback on cards matters more than regulatory depth or rich product breadth.
- Best for fees Vivid Money won 1 of 4
- Best for protection Trade Republic won 2 of 2
- Best for reach Tied
- Best for ux Vivid Money won 2 of 2
Trade Republic vs Vivid Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Trade Republic better than Vivid Money?
Trade Republic and Vivid Money are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: Trade Republic 81/100 vs Vivid Money 62/100. The right pick depends on which dimension you weight most heavily.
Is Trade Republic or Vivid Money cheaper?
Monthly fee — Trade Republic: €0; Vivid Money: €0. Card FX markup — Trade Republic: Interbank; Vivid Money: Interbank. Vivid Money 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, Trade Republic or Vivid Money?
Trade Republic holds a Full bank licence under BaFin; 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. Trade Republic is the stronger pick on regulatory protection.
Where can I use Trade Republic and Vivid Money?
Trade Republic operates in 17 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.