This is the universal build of Vivid Business and Personal 3.81.0. It contains native libraries for every CPU architecture (arm64-v8a, armeabi-v7a, x86, x86_64), so it installs on any Android device. The trade-off is size — it's larger than per-architecture variants. Pick this one if you're unsure which CPU your phone has, or if you plan to share the APK with multiple devices.
File size: 92.1 MB • Min Android: 26 • Target Android: 36 • Version code: 9228 • Framework: Native (Java/Kotlin) • Permissions: 30
Screenshots
File Information
| Package Name | vivid.money |
|---|---|
| Version Name | 3.81.0 |
| Version Code | 9228 |
| Architecture | Universal |
| Min Android Version | Android 26 (API 36) |
| Main Activity | vivid.money.feature_main_screen.MainActivity |
| Framework | Native (Java/Kotlin) |
| File Size | 92.10 MB |
| Signature (SHA1) | C0393175D48FF837824D37860A99A7D41114CE08 |
| File Hash (SHA256) | 3ba71410ed068bb7e8febe81bd98e2497d792a9ef701375e996cb4e4a7754eb0 |
What's New
INTERNATIONAL TRANSFERS, MADE SIMPLE
— Send to 60+ countries in local currency or USD
— 1-day settlement on major routes
— Use your EUR account — no extra setup
— ACH transfers now available for the US
Transfers to newly added countries are 0 € until Oct. 31st: Argentina, Brazil, China, Costa Rica, Egypt, Indonesia, Mexico, Philippines, Serbia, Sri Lanka, Thailand, UAE, US
— Send to 60+ countries in local currency or USD
— 1-day settlement on major routes
— Use your EUR account — no extra setup
— ACH transfers now available for the US
Transfers to newly added countries are 0 € until Oct. 31st: Argentina, Brazil, China, Costa Rica, Egypt, Indonesia, Mexico, Philippines, Serbia, Sri Lanka, Thailand, UAE, US
App Description
The right app for all your needs. Open a Vivid Business account for companies and freelancers, or a Vivid Personal account for individuals.
Nr. 1 Best business account 2025 — Finanzfluss
Top Mobile Banking 2025 – Handelsblatt.com
Trustpilot: Excellent! | 18,000+ reviews
FREE REGISTRATION IN MINUTES
— Full online onboarding
— Start with our free plan for €0/month
— Free trial for any paid plan
MULTIPLE ACCOUNTS, MULTIPLE IBANS
— Get up to 15 IBANs with a personal account and up to 30 with a business account
— Share an IBAN with friends and family living in the EU (for personal accounts)
— DE IBANs available across Europe
— NL IBANs in the Netherlands and ES IBANs in Spain are available for business customers (more local IBANs coming soon!)
EARN DAILY INTEREST ON YOUR MONEY
— Business accounts: 4% annual interest rate for the first 4 months*
— Personal accounts: 3% annual interest rate for the first 2 months*
— Top up and withdraw funds anytime
PERSONALISED VISA CARDS
— Issue multiple customisable virtual or physical cards
— Pay with your phone by adding cards to Google Wallet
— Withdraw from ATMs worldwide
— Change your PIN, freeze cards, set limits, and manage payment settings in seconds
ELEVATE YOUR BUSINESS SPENDING
— Free delivery of your first business card for all members
— High spending limits
— No blocks on high activity—use it as often as you need
REWARDS EVERYDAY
— Up to 10% cashback on monthly categories of purchases and specific brands
— Up to 1% unlimited cashback on all card purchases (for business accounts)
— Earn extra rewards by referring Vivid to friends and family
EASY TRANSFERS
— Free Instant SEPA transfers
— Add money with a card or Google Pay
— Accept incoming SWIFT transfers
STREAMLINE YOUR PAYMENTS (for business accounts)
— Create and send invoices to third parties, or pay incoming ones in seconds by uploading a photo or file
— Pay all your bills at once by sending transfers in bulk
— Get paid by cards, Apple Pay or Google Pay via payment links, invoices or CSM integrations
FAST SUPPORT
— Quick support via chat or email
— 24/7 availability
— Dedicated account manager with Pro plan and higher (for business accounts)
ADD TEAM MEMBERS (for business accounts)
— Manage your team's access to the account
— Assign Admin, Assistant or Employee roles with different levels of access
— Issue cards and set spending limits for Employees and Assistants
PLAN YOUR WORK TRIPS (for business account)
— Book accommodations in the app
— Earn up to 30% cashback on every stay
MAKE THE MOST OF CRYPTO
— Earn up to 7% APY with Crypto Earn on selected crypto-assets
— Trade 100+ coins 24/7 (for personal accounts)
INVEST IN STOCKS & ETFS (for personal accounts)
— Buy and sell 2,000+ stocks and ETFs
— Get dividends
MOBILE AND WEB ACCESS
— Organise your finances from our mobile app (for personal and business accounts) or web app (for business accounts)
EASY BUDGETING
— Intuitive analytics on your spending patterns
— Monthly financial reports
— Pre-plan future transfers
— Request funds via phone number and divide bills (for personal accounts)
STATE-OF-THE-ART SECURITY
— Get immediate notifications for each transaction
— Card’s CVV only visible from your app
— Turn on biometric login
Vivid Money S.A. provides accounts, cards and payment services for Vivid Business and Personal.
Vivid Money B.V. provides investing services, Interest accounts, Interest Rate Pockets and Crypto services.
More info on vivid.money.
*The promotional rate applies to funds up to EUR 300,000 for business accounts and up to EUR 100,000 for personal accounts. Funds exceeding this amount will accrue regular interest rates applicable for the chosen plan. After the promotional period, you'll receive the interest rate as per your plan.
Nr. 1 Best business account 2025 — Finanzfluss
Top Mobile Banking 2025 – Handelsblatt.com
Trustpilot: Excellent! | 18,000+ reviews
FREE REGISTRATION IN MINUTES
— Full online onboarding
— Start with our free plan for €0/month
— Free trial for any paid plan
MULTIPLE ACCOUNTS, MULTIPLE IBANS
— Get up to 15 IBANs with a personal account and up to 30 with a business account
— Share an IBAN with friends and family living in the EU (for personal accounts)
— DE IBANs available across Europe
— NL IBANs in the Netherlands and ES IBANs in Spain are available for business customers (more local IBANs coming soon!)
EARN DAILY INTEREST ON YOUR MONEY
— Business accounts: 4% annual interest rate for the first 4 months*
— Personal accounts: 3% annual interest rate for the first 2 months*
— Top up and withdraw funds anytime
PERSONALISED VISA CARDS
— Issue multiple customisable virtual or physical cards
— Pay with your phone by adding cards to Google Wallet
— Withdraw from ATMs worldwide
— Change your PIN, freeze cards, set limits, and manage payment settings in seconds
ELEVATE YOUR BUSINESS SPENDING
— Free delivery of your first business card for all members
— High spending limits
— No blocks on high activity—use it as often as you need
REWARDS EVERYDAY
— Up to 10% cashback on monthly categories of purchases and specific brands
— Up to 1% unlimited cashback on all card purchases (for business accounts)
— Earn extra rewards by referring Vivid to friends and family
EASY TRANSFERS
— Free Instant SEPA transfers
— Add money with a card or Google Pay
— Accept incoming SWIFT transfers
STREAMLINE YOUR PAYMENTS (for business accounts)
— Create and send invoices to third parties, or pay incoming ones in seconds by uploading a photo or file
— Pay all your bills at once by sending transfers in bulk
— Get paid by cards, Apple Pay or Google Pay via payment links, invoices or CSM integrations
FAST SUPPORT
— Quick support via chat or email
— 24/7 availability
— Dedicated account manager with Pro plan and higher (for business accounts)
ADD TEAM MEMBERS (for business accounts)
— Manage your team's access to the account
— Assign Admin, Assistant or Employee roles with different levels of access
— Issue cards and set spending limits for Employees and Assistants
PLAN YOUR WORK TRIPS (for business account)
— Book accommodations in the app
— Earn up to 30% cashback on every stay
MAKE THE MOST OF CRYPTO
— Earn up to 7% APY with Crypto Earn on selected crypto-assets
— Trade 100+ coins 24/7 (for personal accounts)
INVEST IN STOCKS & ETFS (for personal accounts)
— Buy and sell 2,000+ stocks and ETFs
— Get dividends
MOBILE AND WEB ACCESS
— Organise your finances from our mobile app (for personal and business accounts) or web app (for business accounts)
EASY BUDGETING
— Intuitive analytics on your spending patterns
— Monthly financial reports
— Pre-plan future transfers
— Request funds via phone number and divide bills (for personal accounts)
STATE-OF-THE-ART SECURITY
— Get immediate notifications for each transaction
— Card’s CVV only visible from your app
— Turn on biometric login
Vivid Money S.A. provides accounts, cards and payment services for Vivid Business and Personal.
Vivid Money B.V. provides investing services, Interest accounts, Interest Rate Pockets and Crypto services.
More info on vivid.money.
*The promotional rate applies to funds up to EUR 300,000 for business accounts and up to EUR 100,000 for personal accounts. Funds exceeding this amount will accrue regular interest rates applicable for the chosen plan. After the promotional period, you'll receive the interest rate as per your plan.
Download Vivid Business and Personal APK
Fast, free and safe download.
APK Permissions 30
- android.permission.ACCESS_ADSERVICES_AD_ID
- android.permission.ACCESS_ADSERVICES_ATTRIBUTION
- android.permission.ACCESS_COARSE_LOCATION
- android.permission.ACCESS_FINE_LOCATION
- android.permission.ACCESS_NETWORK_STATE
- android.permission.ACCESS_WIFI_STATE
- android.permission.CAMERA
- android.permission.FLASHLIGHT
- android.permission.FOREGROUND_SERVICE
- android.permission.FOREGROUND_SERVICE_DATA_SYNC
- android.permission.INTERNET
- android.permission.MODIFY_AUDIO_SETTINGS
- android.permission.NFC
- android.permission.POST_NOTIFICATIONS
- android.permission.READ_CONTACTS
- android.permission.READ_EXTERNAL_STORAGE
- android.permission.READ_PHONE_STATE
- android.permission.RECEIVE_BOOT_COMPLETED
- android.permission.RECORD_AUDIO
- android.permission.USE_BIOMETRIC
- android.permission.USE_FINGERPRINT
- android.permission.VIBRATE
- android.permission.WAKE_LOCK
- android.permission.WRITE_EXTERNAL_STORAGE
- com.google.android.c2dm.permission.RECEIVE
- com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
- com.google.android.gms.permission.AD_ID
- com.huawei.appmarket.service.commondata.permission.GET_COMMON_DATA
- com.samsung.android.mapsagent.permission.READ_APP_INFO
- vivid.money.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
APK Verified
The cryptographic signature guarantees that the file is safe to install and was not tampered with in any way.
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Frequently Asked Questions about Vivid Business and Personal APK
This is the universal variant — a single APK that contains native libraries for every CPU architecture. It installs on any Android device but is larger than per-architecture variants.
Yes — the APK's signature has been cryptographically verified against the publisher's signing key. The SHA-256 hash is shown in the File Information panel so you can independently confirm the file matches the original release.
Android 26 (API level 36) or newer. Older devices will refuse the install.
Install a free app like 'CPU-Z' or 'Droid Hardware Info' from the Play Store and look at the ABI / Instruction Set row. Most phones made after 2017 are arm64-v8a; if in doubt, download the universal variant.
All variants are functionally identical — same features, same version. They differ only in which CPU architectures the native code is compiled for, and (sometimes) which screen densities the included graphics target. Pick the one that matches your device for the smallest install size, or pick 'Universal' if you're unsure.