Licence number
W00000015
Authorised since
09 Nov 2020
EEA passports
29
Profile rates
Data-derived · A is broadestThree named tiers comparing this institution against the rest of the European register.
- Reach
- Pan-EuropeanTier A
- Scope
- SpecialistTier C
- Tenure
- MatureTier B
Passports into 29 EEA jurisdictions.
Authorised for 4 payment-services activities.
Authorised 5 years ago.
Pricing snapshot
Editorial · Free Start (business)Headline fees on the published free / standard plan, taken from the institution’s own fee schedule.
- Plan
- Free Start (business)
- Monthly fee
- Free
- Card issuance
- Free
- Free ATM / month
- EUR 100
- ATM fee
- 2.00%
- FX markup
- 2.00%
- SEPA transfer
- Free
- SWIFT transfer
- EUR 5.00 outgoing
Freelancer plan; Prime / Premium tiers raise FX and ATM allowances.
Verified 8 May 2026Source ↗
About this institution
Verified active. VIVID MONEY S.A. holds a current Luxembourg e-money licence issued by the Commission de Surveillance du Secteur Financier on 9 November 2020. The licence authorises four core activities: execution of payment transactions on a payment account, issuance of electronic money, issuing of payment instruments and acquiring of payment transactions, and safeguarding of customer funds.
The entity operates across 29 EEA host states under its passporting privilege. These comprise Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.
As recorded in the register, VIVID MONEY S.A. maintains operational status as active. The entity's authorisation continues under licence reference W00000015 with the Luxembourg regulator, cross-checked as at the last register update.
Licence timeline
3 dated eventsDated events for VIVID MONEY S.A., from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.
Cross-checked against the Commission de Surveillance du Secteur Financier register
Automated daily verification of licence status and reference.
First verified and added to this directory
Licence granted by the Commission de Surveillance du Secteur Financier
Position in the Luxembourg register
Luxembourg EMIs
18
Active
18
Full / small licences
18 / 0
Licence age rank
10/18
VIVID MONEY S.A. is one of 18 e-money institutions on the Luxembourg register, 18 of which are currently active. Its licence is the 10th oldest of the 18 dated Luxembourg EMI authorisations, one of 2 granted in 2020.
Is your money safe with VIVID MONEY S.A.?
VIVID MONEY S.A. holds an e-money authorisation from Commission de Surveillance du Secteur Financier, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by a national deposit guarantee scheme, so there is no automatic compensation payout if the firm fails.
If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way.
EEA passporting
29 jurisdictionsUnder the EU passporting regime, VIVID MONEY S.A. can provide services across the following EEA jurisdictions, in addition to its home authorisation in Luxembourg.
Denmark2
Slovakia2
Portugal2
Spain2
Italy2
France2
Czech Republic2
Hungary2
Croatia2
Norway2
Lithuania2
Liechtenstein2
Poland2
Ireland2
Estonia2
Austria2
Latvia2
Cyprus2
Greece2
Malta2
Netherlands2
Sweden2
Finland2
Belgium2
Bulgaria2
Slovenia2
Romania2
Iceland2
Germany2
Authorised activities (PSD2 / EMD2)
Payment-services activities VIVID MONEY S.A. is permitted to carry out under its licence, as recorded in the register.
- Safeguarding of customer fundsSAFEGUARDING
- Issuance of electronic moneyEMI_ISSUANCE
- Issuing payment instruments and acquiring payment transactionsPSD2_5
- Execution of payment transactions on a payment accountPSD2_3
Frequently asked questions
- Is VIVID MONEY S.A. a licensed e-money institution?
- Yes. VIVID MONEY S.A. holds EMI authorisation from Commission de Surveillance du Secteur Financier in Luxembourg, licence reference W00000015. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.
- Who regulates VIVID MONEY S.A.?
- VIVID MONEY S.A. is authorised and supervised by Commission de Surveillance du Secteur Financier in Luxembourg. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.
- What is VIVID MONEY S.A.'s licence or FRN number?
- VIVID MONEY S.A.'s licence reference number is W00000015. Enter it on the EBA EUCLID register at euclid.eba.europa.eu to confirm the institution's identity and that its authorisation is in force.
- Is VIVID MONEY S.A. authorised in other EEA countries?
- Yes. VIVID MONEY S.A. is passported to 29 EEA jurisdictions, meaning it can provide e-money and payment services across those countries on its home authorisation.
Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.
Other licensed institutions in Luxembourg
Registered office
- Street
- 21 rue Glesener
- City
- Luxembourg, L-1631
Ratings & reader notes
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- 5★30
- 4★21
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- 2★7
- 1★7
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