Why look for a Vivid Money alternative?
Vivid Money is a European neobank founded in 2019, very popular in Germany: account with German IBAN, metal or virtual card, purchase cashback and a crypto investments tab inside the same app — alongside stocks and ETFs. Per vivid.money/en-eu/personal/investments/crypto/, you can buy crypto from €1 with Vivid Money B.V. as a CASP authorised by the Dutch AFM. Banking and payments may operate via Vivid Money S.A. as an e-money institution. Crypto is one more neobank product line, not a native Spanish exchange.
The question is not whether Vivid is “safe” as a neobank — it declares AFM CASP for the crypto tab — but whether a German all-in-one app covers what a Spanish crypto investor needs: Pro depth, Earn, crypto Card, tax tooling, frequent on-chain withdrawal and phone support with the CNMV. In this guide we compare Vivid Money and Bit2Me from the neobank vs specialised exchange perspective, with public data.
The comparison does not require closing Vivid Money overnight: many users keep the account for German banking, cashback and stocks, and move recurring crypto activity to Bit2Me. What is worth getting clear is where you want to contract crypto under MiCA with a Spanish counterpart, calculate fees before trading and have a phone line when an on-chain withdrawal fails. This page concentrates Vivid Money regulation, custody, pricing and support — with verifiable figures.
Why so many people doubt Vivid Money
Neobank first, crypto in a tab
Vivid designed IBAN, card and cashback as the core; crypto shares the app, support and priority with banking and traditional investments.
Dutch AFM, not Spanish CNMV
The crypto CASP is Vivid Money B.V. under the AFM. Legal in the EU, but far from the supervisor and language of someone operating in Europe.
DE fintech chat, no CNMV crypto phone
Crypto incidents share the neobank’s digital circuit; no Without chat-only: multilingual support for wallet or blockchain network issues.
Public record
Reputation and documented facts about Vivid Money
Sanctions, incidents or controversies recorded in official sources or verifiable media. Bit2Me does not pass judgment: we cite public facts.
Vivid Money announced winding down standalone retail banking to focus on SMEs; retail clients retain service access, but product investment shifts to the business segment.
Source: tech.eu
These records do not rule out the competitor being suitable in other contexts; they are part of the due diligence worth doing before depositing funds.
Verdict
Vivid Money and Bit2Me can coexist, but they solve different problems. Vivid is a German fintech with account, card, cashback and a crypto investment tab operated by Vivid Money B.V., a CASP authorised by the Dutch AFM — crypto shares the app with payments and stocks, not the core of the business. Bit2Me is a Without chat-only: multilingual support Without chat-only: multilingual support, free SEPA deposits, on-chain withdrawal and over 30 products built solely for crypto-assets. If your focus is crypto and you operate in Europe, this is your alternative.
Regulated by the CNMV · Support in your language · +1 million users · Promotion subject to terms
Vivid Money vs Bit2Me: comparison
The dimensions that matter most to a retail user in Europe.
Before products: trust
Who you really deal with: Bit2Me vs Vivid Money
An exchange isn't chosen on price or catalogue alone. Look at who answers for your money, from where and with what backing.
Bit2Me- Real HQ
- Spain (EU) — parent company, not a subsidiary
- Supervised by
- CNMV (Spain), under MiCA
- Operating since
- 2014, with no security incidents
- Who's behind it
- Backed by Tether, Telefónica, Bankinter and other institutions
Vivid Money- Real HQ
- Germany (EU); CASP entity in the Netherlands (AFM).
- Supervised by
- BaFin (Germany) and AFM (Netherlands) for crypto.
- Operating since
- 2019
- Who's behind it
- Private company; SoftBank and other investors.
| Feature | Bit2Me | Vivid Money |
|---|---|---|
| Regulation and licencesDecisive | Bit2Me:CNMV-authorised CASP in Spain — crypto specialist, not an AFM tab in a fintech app. | Vivid Money:Vivid Money B.V. CASP authorised by the AFM (Netherlands); Vivid Money S.A. e-money for payments. |
| Real HQ & jurisdictionDecisive | Bit2Me:A Spanish company headquartered in Spain (EU): you contract, file claims and are supervised before the CNMV, with no intermediary subsidiaries. | Vivid Money:German neobank with Dutch CASP: same EU MiCA framework, supervisor in another country; SME focus. |
| SecurityDecisive | Bit2Me:Bit2Me advantageDedicated crypto custody, $150M policy and zero incidents since 2014. | Vivid Money:Crypto custody within AFM CASP service; measures described on vivid.money. |
| Data protection (GDPR)Decisive | Bit2Me:Your data is processed in the EU under the GDPR, with the safeguards of the European data-protection framework. | Vivid Money:EU company under GDPR. |
| Customer supportDecisive | Bit2Me:Bit2Me advantageWithout chat-only: multilingual support for crypto incidents — not DE fintech chat alone. | Vivid Money:Digital support via fintech help centre; no phone highlighted in Spanish for crypto. |
| Buy in euros (SEPA/card)Decisive | Bit2Me:Free SEPA aimed at recurring crypto activity, not just an investment tab. | Vivid Money:Crypto purchase integrated in banking app from €1; operations subject to Vivid market and product. |
| Products and servicesDecisive | Bit2Me:Bit2Me advantageOver 30 crypto products (Pro, Earn, Card, Loan, Tax) vs crypto as a tab in Vivid. | Vivid Money:Banking, cashback and investments with crypto tab; no Earn, crypto Card, Loan or exchange-native Tax. |
| FeesDecisive | Bit2Me:Bit2Me advantagePro up to 0% / 0.10% on liquid pairs for active trading. | Vivid Money:Crypto fees per Vivid product (check in app); model oriented to simple purchase. |
| Ease of use | Bit2Me:Full crypto app with Pro, Wallet and Academy in Spanish. | Vivid Money:Very polished fintech app for banking, cashback and integrated first crypto purchase. |
Bit2MeHow we made this comparison
We analyse regulation, security, support, fees and catalogue using public, verifiable information from both platforms, updated as of July 1, 2026. Bit2Me is the platform publishing this page, so we have deliberately included points where the competitor stands out, and we recommend always checking the data on the official websites before deciding.
Sources consulted (July 1, 2026)
Regulated by the CNMV · Support in your language · +1 million users
Why Bit2Me lets you sleep at night
If Vivid Money treats crypto as one more feature, compare it with what you need to sleep calmly: custody, withdrawals, tax tools, and specialised support.
Crypto that doesn't stain you
Bit2Me complies with KYC/AML and is registered with the Bank of Spain: your operations don't mix with illicit-origin funds on a supervised platform.
Headquartered in Spain, not a tax haven
Bitcoinforme S.L. operates under European law with the CNMV as its direct supervisor.
Free, automatic tax report
Download it from the app or web for every tax year you've traded, at no extra cost. It generates itself from your activity.
No security incidents since 2014
Five consecutive independent audits back our operational soundness.
Human support in your language
24/7 support in your language, with a phone line (+34 910 91 37 88) and people — not bots — answering from Spain.
A platform that doesn't go down
Multi-region high availability, 24/7, 365 days a year, with ~100 ms average response.
Your funds, when you decide
Withdraw to your own wallet at any time. No lock-in, no penalty.
$150M insurance on custody
Assets in Bit2Me Custody are insured for $150M (USD), with segregated cold storage and multisig + HSM FIPS 140-2.
Vivid Money B.V. (AFM) vs Spanish CNMV CASP: two MiCA, different market
Vivid Money routes crypto purchase through Vivid Money B.V., a CASP authorised by the Dutch AFM per vivid.money/en-eu/personal/investments/crypto/. Vivid shares app, KYC and support with banking, cashback and stocks — crypto is an investment tab, not the business core.
Vivid Money operates legally in the EU via the European passport, but Vivid contracts crypto in the Netherlands — far from the CNMV supervisor of someone operating in Europe. Bit2Me has operated since 2014 and shares MiCA as a Spanish specialist authorised by the CNMV.
Vivid Money B.V. declares AFM authorisation on vivid.money; Vivid does not replace a Spanish CNMV CASP if you seek to claim in Spanish with your local regulator. Bit2Me closes that distance with a verifiable Spanish company.
Vivid crypto custody vs published dedicated custody at Bit2Me
Vivid Money describes on vivid.money crypto trading alongside supermarket cashback — the German neobank hook that won market share. Vivid custodies the tab via Dutch CASP, solid for occasional purchases from €1 integrated in a banking app.
Vivid Money does not publish a crypto policy with a headline amount nor numbered ISO certifications like a native exchange. Bit2Me publishes dedicated custody with a $150 million policy and zero incidents since 2014.
Vivid Money prioritises neobank simplicity over dedicated crypto infrastructure; frequent on-chain withdrawal and Earn are not Vivid’s centre. Bit2Me is built solely for custody and crypto operations under the CNMV.
Crypto from €1 on Vivid and the real cost vs Bit2Me Pro
Vivid Money publishes crypto purchase from €1 on vivid.money — a neobank model oriented to simplicity, not active trading with published maker/taker. Vivid requires checking specific fees in the app before each trade.
Vivid Money optimises integrated first purchase from balance or card; Vivid does not compete on a transparent Pro table for recurring DCA. Bit2Me Pro publishes up to 0% maker / 0.10% taker on liquid pairs and free SEPA deposits — moving €1,000 at 0.10% taker costs €1.
Vivid Money charges per product visible in-app; moving €1,000 in BTC/EUR on Bit2Me Pro at 0.10% taker costs €1 with prior breakdown — Vivid does not publish that exchange transparency level for active trading.
What do you really pay?
Move the amount and compare Bit2Me Pro with Vivid Money's published retail fee.
On Bit2Me Pro (liquid pairs, 0.10% taker)
€1.00
Down to 0% when trading as maker.
On Vivid Money Standard (<€5,000/mo, 2.00%)
€20.00
€1 minimum per buy/sell trade; Plus and Prime lower the rate by monthly volume.
Fee savings
€19.00
95% less on this trade
Indicative trading fees only — excludes spread, gas and deposit/withdrawal charges. Always cross-check Vivid Money's official pricing.
German fintech support vs Without chat-only: multilingual support
Vivid Money routes assistance via help.vivid.money — consistent with a banking and investments neobank in Europe. Vivid handles onboarding, card and cashback well; crypto shares the same digital fintech circuit.
Vivid Money does not highlight a Without chat-only: multilingual support for wallet or blockchain network incidents in Europe. Bit2Me adds Without chat-only: multilingual support with a team that knows SEPA and CNMV operations.
Vivid Money tips the scales on cashback and German banking UX; Bit2Me tips the scales when Vivid cannot resolve a stuck on-chain deposit — there the crypto specialist with a phone line wins.
Fintech app with crypto tab or native exchange? Three profiles, three answers
Vivid won users in Germany combining IBAN, metal card, supermarket cashback and investments — including crypto from €1 in the same neobank app. Bit2Me did the opposite: going deep on crypto until gathering Pro, Earn, Card, Loan, Tax and Wallet under the CNMV, without a generalist bank account.
If your portfolio mixes merchant cashback, euro balance with a German IBAN and occasional bitcoin, Vivid avoids friction — you do not need a separate exchange. If 100% of your interest is crypto — altcoins, staking, withdrawal to Ledger, Spanish tax filing — a tab inside a neobank falls short versus a native CNMV exchange.
For the Without chat-only: multilingual support, the third factor is regulator: filing a claim with the AFM in English/Dutch about Vivid Money B.V. is not the same as doing so with the CNMV in Spanish through Bit2Me, a Spanish company active since 2014.
There is an in-between profile: someone who already has Vivid Money for merchant cashback and does not want to redo KYC. You do not need to close Vivid to try Bit2Me — you can keep German banking there and move recurring crypto here. What changes is who you contract the crypto tab with: Vivid Money B.V. under the AFM, or a Spanish CASP under the CNMV.
Vivid Money publishes crypto purchase from €1 on vivid.money — ideal for a first purchase integrated in neobank balance. Vivid does not publish a maker/taker table for a €500 monthly DCA; Bit2Me Pro does, with up to 0% maker / 0.10% taker on liquid pairs. If your crypto routine grows beyond the investment tab, Vivid Money stays at neobank simplicity while Bit2Me goes deep as a native exchange.
What switching from Vivid to Bit2Me costs
Transferring crypto from Vivid may carry network fees by asset and product. Selling to euros and moving via SEPA avoids the network, but crystallises gains. Moving crypto as-is between your accounts is not a sale.
Bit2Me charges no sign-up or SEPA deposit fee. Try first with a small amount; if the network or address fails, you solve it by Without chat-only: multilingual support — something the fintech chat circuit does not guarantee for crypto incidents.
Transferring crypto from Vivid may carry network fees by asset. Selling to euros and moving via SEPA avoids the network, but crystallises gains. Bit2Me charges no SEPA deposit; first send a small amount checking the network — if it fails, you solve it by Without chat-only: multilingual support, something Vivid’s fintech chat does not guarantee for blockchain incidents.
Vivid Money shows the withdrawal network in the send flow, but choosing wrong can lose the asset — shared responsibility between neobank app and user. Vivid Money does not highlight a Without chat-only: multilingual support to resolve doubts before the mistake. Bit2Me does: phone support usually clarifies network and address before the transfer leaves Vivid Money.
Cashback, German IBAN and crypto tab: two ecosystems, two depths
Vivid Money won users in Germany combining IBAN, metal card, supermarket cashback and investments — including crypto from €1 in the same neobank app per vivid.money. It is a very polished all-in-one ecosystem; crypto shares the interface with payments and stocks, it is not the business core nor the brand’s main product.
Vivid Money does not compete on deep Earn or a massive altcoin catalogue — its proposition is purchase from €1 integrated in a neobank with merchant cashback per vivid.money. Bit2Me answers with Pro, Earn, Card, Loan, Tax and Wallet under the CNMV — over 30 products designed for operating in euros in Europe, not as an AFM tab inside a German generalist app.
The practical question for someone coming from Vivid Money is which part of their crypto routine needs replicating. Vivid Money fits if you only buy BTC occasionally alongside stocks and value German IBAN cashback. Vivid Money falls short if 100% of your interest is crypto — altcoins, Earn, Ledger, Spanish tax filing — versus a native CNMV exchange.
Which one to choose? It depends on your profile
Bit2Me — pros
- Specialised crypto exchange under the CNMV, not a German fintech with crypto as an AFM tab.
- Over 400 cryptocurrencies and full suite (Earn, Card, Loan, Tax) versus Vivid investment tab.
- Crypto custody with a $150 million policy and published ISO audits.
- Without chat-only: multilingual support for crypto incidents, not fintech chat alone.
- Pro up to 0% maker / 0.10% taker for active trading, beyond occasional tab purchase.
Vivid Money — things to consider
- Very polished fintech app with IBAN, card, cashback and investments — including crypto from €1.
- Vivid Money B.V. declares AFM CASP authorisation — MiCA-regulated crypto inside a generalist app.
- Crypto is an investment tab, not the core; limited exchange depth and crypto products.
- Dutch supervisor (AFM) and DE fintech support; no CNMV Without chat-only: multilingual support for blockchain.
When to choose Vivid Money?
- You want German banking, purchase cashback and an occasional crypto tab without managing a separate exchange.
- You value the all-in-one app (account, card, investments) more than Pro depth or frequent on-chain withdrawal.
If, on the other hand, you are looking for a Vivid Money alternative because you care about European regulation, predictable fees, the safety of your funds and support in your language, Bit2Me addresses exactly those needs.
What you gain switching from Vivid Money
From fintech tab to native exchange
Pro, Earn, Card and Tax built for crypto — not one more tab in a fintech app.
From Dutch AFM to Spanish CNMV
Supervisor and company in Spain, versus Vivid Money B.V. under the Dutch AFM.
Without dedicated crypto infrastructure
Crypto infrastructure with a $150M policy, not just an integrated investment tab.
A voice, not fintech chat alone
Wallet and network incidents solved by talking, not tickets alone.
Without friction on DCA deposits
Free deposits for crypto DCA at a Spanish CASP.
Withdraw on-chain anytime
Withdrawing to your wallet is the core service, not a generalist app add-on.
Switch from Vivid Money to Bit2Me
Open your account in minutes: euros via SEPA, full CNMV oversight and support in your language when you need it.
15€ welcome bonus when you create your account and buy €100 or more in crypto. Promotion subject to terms.
Regulated by the CNMV · Support in your language · +1 million users
How to switch from Vivid Money to Bit2Me
Create your free Bit2Me account and verify your identity (KYC) in minutes.
Copy the deposit address of your Bit2Me Wallet for each cryptocurrency.
From Vivid, execute a crypto withdrawal to that address checking the network (start with a small amount), or sell and bring euros via SEPA.
Questions? Phone support in your language walks you through it. You do not need to close your Vivid account to try.
15€ free when you create your account and buy €100 or more in crypto
Regulated by the CNMV · Support in your language · +1 million users
What they say about Bit2Me and who backs us
4.2/5
“One of the most reliable exchanges in the world, based on an analysis of 40+ indicators: fiscal headquarters, transparency, asset protection and user experience.”
“The Good Exchange: the most easy, secure and complete crypto exchange.”
Frequently asked questions
Conclusion
Vivid Money is excellent if you want German banking, cashback and an occasional crypto tab in the same app. But if your focus is crypto — Pro, Earn, on-chain withdrawal, Card, tax tooling — and you operate in Europe, Bit2Me is the Vivid Money alternative built as a specialised exchange under the CNMV, with Without chat-only: multilingual support and free SEPA deposits. Opening an account is free and takes minutes.
Data accuracy
This comparison draws on publicly available information on the internet — official fee schedules, regulator registers and verifiable announcements — and was cross-checked on July 1, 2026. If you spot an error or outdated figure, contact us and we will review it.
