Nuri vs Vivid Money
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: Vivid Money wins overall (4.7/10 vs 3.2/10). The right pick still depends on your priority - see the flow comparison below.
 Nuri |  Vivid Money | |
|---|---|---|
| Overall score | 3.2 | 4.7 |
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | Basic KYC | Full KYC |
| Custody | Self-custody | Custodial |
| Top-up fee | not documented | 0% |
| FX fee | not documented | 1% |
| Monthly fee | none | none |
| Cashback | none | 4% |
| Regions | GLOBAL | EEA |
Pick Nuri if
- Lighter KYC (Basic KYC vs Full KYC)
Pick Vivid Money if
- Higher documented cashback (4% vs none)
Nuri
The old Nuri bank is dead (2022 insolvency, customers moved to Vivid) - but the brand relaunched at nuri.com as an Estonian self-custody wallet with a free Visa card, IBAN and 130-country reach. Verify listing: card issuance, fees and the provider stack behind the banking rails are unverified; no community track record exists yet.
Vivid Money
Vivid's consumer crypto card is alive and regulated: free-first physical Visa, 300+ coins from EUR 1 under a Dutch AFM MiCAR CASP licence (custody via Copper), 2% default crypto trading fee and plan-capped cashback. The B2B pivot is real but the personal product demonstrably operates - with a documented 2026 freeze/support complaint pattern typical of partner-rail neobanks.