Which legal entities are providing financial services to me as a Vivid Business customer?

Vivid Money S.A, operates as an electronic money institution under the supervision of the Financial Sector Supervisory Commission (CSSF), Luxembourg. Vivid has also established branches in several EU jurisdictions to enable the issuance of local IBANs. All Vivid customers are primarily serviced by Vivid Money S.A. in Luxembourg. In addition, customers holding Italian (IT), Spanish (ES), and Dutch (NL) IBANs receive services from the respective local branches in relation to those IBANs and the associated payment transactions. For further details, please refer to the applicable Terms and Conditions. ​
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Vivid Money S.A. Netherlands Branch, operates under the regulatory framework of the Dutch Central Bank (DNB). Customers with IBANs issued in the Netherlands (starting with NL) are serviced by this branch.
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Vivid Money S.A. SUCURSAL EN ESPAÑA operates under the regulatory framework of Banco de España (Bank of Spain). Customers with IBANs issued in Spain (starting with ES) are serviced by this branch.

Vivid Money S.A. Italiaanse Branch opereert onder het regelgevend kader van de Banca d’Italia (de centrale bank van Italië). Klanten met een in Italië uitgegeven IBAN (beginnend met IT) worden bediend vanuit deze vestiging.

Vivid Money B.V., operates as an authorized and regulated investment firm and a Crypto-Asset Service Provider under the supervision of the Dutch Authority for the Financial Markets (AFM).
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Vivid Money GmbH is mainly an outsourcing service provider to Vivid Money S.A. and Vivid Money B.V, but it also provides - in its own name - your cashback program and the mobile application itself, as well as any other services on the app that are not directly related to one of the services mentioned here, such as the Cashback tab and the Referral program and other marketing initiatives. Vivid Money GmbH doesn’t provide bank or payment accounts, nor payment or investment services in its own name.