Vivid Money

Vivid Money is a European fintech specializing in digital banking services for individuals, freelancers, and businesses. Its main activity is providing online bank accounts with a 100% digital experience, allowing both personal and professional finances to be managed on a single platform.Products and services offered:- Professional and personal bank accounts: quick opening, multi-IBAN management, access to attractive interest rates (up to 4% in the first year for businesses and freelancers).- Physical and virtual cards: for each team member, with guaranteed cashback on purchases (up to 10% on certain categories and brands).- Financial management tools: invoicing, accounting, integrations with third-party software, expense management, and automation via digital assistants (AI agents).- Payment solutions: payment terminals (POS), online payments, instant SEPA and SWIFT transfers, client payment management.- Investments: access to the purchase of stocks, ETFs, and cryptocurrencies, as well as interest-bearing savings products.- Financing: business loans up to €200,000.- Additional services: cashback on business travel, tax assistance, cash management tools, and 24/7 customer support.Target market:Vivid Money is aimed primarily at:- Individuals seeking modern and flexible management of their finances, with investment and cashback features.- Freelancers, entrepreneurs, startups, and SMEs looking for an all-in-one banking solution that is simple, quick to open, and suited to daily business management.- Businesses of all sizes, including associations and newly created companies, wanting to centralize financial management, optimize cash flow, and automate administrative tasks.Vivid Money thus positions itself as an innovative alternative to traditional banks, focusing on simplicity, speed, transparent pricing, and the integration of value-added services for professionals and individuals.

History of Vivid Money and key stages of its development

Vivid Money is a European fintech founded in 2019, headquartered in Berlin, Germany. The company was created with the ambition to revolutionize personal and professional financial management through a 100% digital banking platform, accessible via an intuitive mobile app.

Key stages of development:

• Creation (2019): Vivid Money was launched by Artem Yamanov and Alexander Emeshev, two former Tinkoff Bank executives, with the goal of offering a modern alternative to traditional banks, focused on simplicity, transparency, and innovation.
• Launch of first products (2020): The company first offered a personal current account with a Visa card, multi-currency management, cashback, and investments in stocks and cryptocurrencies directly from the app.
• Rapid expansion in Europe: Vivid Money quickly expanded to several European countries, starting with Germany, then Spain, France, Italy, and other EU markets.
• Development of the professional offering: Vivid launched business accounts for freelancers, SMEs, and companies, with advanced features: multiple IBANs, cash management, invoicing tools, accounting, integrations with third-party software, and AI-based digital assistants.
• Strategic partnerships: Vivid collaborates with major players such as Visa for card issuance, BlackRock for money market fund management, and integrates innovative payment and investment solutions.
• Product innovations: The company introduced unique features such as cashback up to 10% on certain expenses, attractive interest rates (up to 4% in the first year on business accounts), crypto-asset management, and digital assistants to automate administrative tasks.
• Recognition and awards (2025-2026): Vivid Money received several distinctions, including “Best Business Account 2026” (Finanzfluss.de), “Highest Interest Rate for Business 2026” (Für-Gründer.de), and “Top Mobile Banking 2025” (Handelsblatt).
• Regulation and security: Vivid Money S.A. is regulated by the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg, while Vivid Money B.V. is supervised by the Dutch Authority for the Financial Markets (AFM) in the Netherlands. Client funds are separated from the company’s own funds and invested in safe assets, ensuring maximum security.

Summary: In just a few years, Vivid Money has established itself as a leading neobank in Europe, thanks to a comprehensive offering for individuals and professionals, strong innovation capacity, solid partnerships, and a particular focus on security and regulatory compliance.

Vivid Money was founded in 2019 in Berlin by Artem Yamanov and Alexander Emeshev. Both founders come from the fintech sector, notably from Tinkoff Bank. The company quickly established itself as an innovative banking platform in Europe.

Here are the main members of Vivid Money’s management team:

• Artem Yamanov – Co-founder
• Alexander Emeshev – Co-founder
• Andries van Luijk – Chief Executive Officer
• Céline Singleton – Chief Executive Officer
• Sergey Terentyev – Chief Technology Officer
• Christian Krabus – Director for Customer Care
• Anna Tichonova – Human Resources Director
• Joerg Geiben – General Counsel
• Anne Rothwell – Head of Compliance and Risk
• Danny de Gier – Group Compliance and Risk, Board Member
• Thomas C. Manig – Head Of Finance
• Artas Oorzhak – Vice President Corporate Development
• Sergei Marchenko – Head Of Design
• Nikolay Shapkin – Head of Processing
• Alexander Morsakov – Head of Partnerships and Expansion
• Igor Kuznetsov – Head of Product
• Alexander Kotov – Head of Banking Products
• Andrey Shakhtin – Head of Growth

Vivid Money is regulated in Europe, with entities in Luxembourg and the Netherlands, and offers banking and investment services throughout the EU.