Vivid Money S.A. is the provider of your payment account and the issuer of your electronic money. To deliver certain services, Vivid works with regulated financial partners.

Customers of Vivid have a contractual relationship solely with Vivid Money S.A. For assistance, please contact Vivid Money S.A. directly.

If you have a DE IBAN, DK IBAN, or LUxx 4080 IBAN, your IBAN is a virtual IBAN (vIBAN) provided by Banking Circle S.A. to Vivid and assigned to you by Vivid. This does not make you a customer of Banking Circle. Banking Circle provides infrastructure that allows Vivid to offer you an IBAN and SEPA functionality for your payment account.

If you have an ES, FR, IT, NL, or LUxx 815x IBAN, your IBAN is issued directly by Vivid Money S.A. (Luxembourg) or one of its local branches.

Vivid also safeguards customer funds in a dedicated account with Banking Circle S.A., in line with regulatory requirements.

For SEPA transfers, Vivid uses Banking Circle as a payment services provider across all Vivid IBANs, regardless of the issuing country.

For outgoing international transfers, Vivid uses one of the following partners based on destination country and currency:

In transfer details, one of these partners may appear as the payment service provider, as they are handling the transaction on Vivid's behalf.

For incoming international transfers, Vivid works with:

When someone sends an international transfer to your Vivid account, Banking Circle, BNY Mellon, or Wise may appear as the recipient institution.