Vivid offers a Standard plan and paid plans (such as Prime) that can include a metal card.
The cards are designed for everyday payments, with app controls like freeze/unfreeze and real-time notifications.
What the Standard and Metal cards actually are
Vivid’s cards are payment cards linked to your Vivid account, and the app is central to managing spending and security settings.
The “Metal” card is presented as a stainless-steel premium card option that is typically tied to paid plan access.
The “Standard” experience usually means you get the essential account and card functions, with paid plans adding extra perks and higher limits.
Vivid positions both card types around benefits like cashback and app-first control, rather than revolving-credit features.
Standard plan basics
Vivid’s plan page shows a free first physical card across plans, which is the baseline expectation for most users starting out.
The same pricing table also lists how many card types are available and which plan tiers unlock certain options.
For Standard, Vivid emphasizes everyday card use and security, with app controls as the primary support layer.
Where the metal card fits
Vivid describes the metal card as “True Vivid Metal” with a premium look and express delivery messaging in its cards overview.
In the plan comparison, “Metal card available” appears only on the higher tier column, which supports the idea that metal is plan-gated.
Prime is the paid plan (“€9.90 a month” after a free month), while noting your card remains as you move between plans.
Everyday features that matter for payments
Vivid promotes both physical and virtual card usage, aiming for quick setup and contactless payments once your account is open.
Includes card controls like freezing a card, which matters for travel and for quickly reacting to suspicious activity.
Also emphasizes “safe card” design ideas, where sensitive card details are not printed on the physical card.
If you care about budgeting, the plan table references budgeting and forecasting features as part of the broader personal finance toolset.
Virtual cards and quick start
Start with a virtual card quickly and use it like a physical card for online or in-store contactless payments.
The plan page lists virtual card issue and distinguishes virtual card access and fees by plan tier.
Because plan rules can change, use Vivid’s plan table as the reference point before you rely on virtual-card availability as a deciding factor.
Security controls you should use
You have the ability to freeze/unfreeze card operations from the app, which is one of the most useful daily security controls.
It also mentions biometric protection (fingerprint/face recognition/PIN) as part of the account protection approach.
For urgent situations, Vivid’s help center instructs you to call dedicated numbers to block a card, including a Germany/international line.
Fees and plan differences to compare
The best way to compare Standard vs a metal-eligible plan is to focus on monthly plan cost, cash withdrawal limits
Card costs items like virtual card issue, physical card issue, and a monthly maintenance fee for physical and/or virtual cards.
Prime is marketed as a paid plan with a free trial month and then €9.90 per month, so you should treat the extra perks as something you “buy” monthly.
If you only want a functional card for payments, Standard can be enough, but the pricing table is what confirms what you get at each tier.
Standard vs Prime in Vivid’s pricing
The “Metal card available” indicator is only on the higher tier, which supports that Standard does not include the metal option.
Prime’s product page positions the plan as paid after a free month, and links the plan to premium features.
To keep your comparison clean, treat Standard as the baseline and Prime as an upgrade path, then validate the exact limits and perks.
Card fees to check before you order extras
Physical card issue fee (€19.90) and virtual card issue fee (€1).
It also shows a monthly maintenance structure where additional card costs differ by tier, which matters if you plan to add extra physical or virtual cards.
Because fee wording can be specific, confirm the exact fee trigger in Vivid’s official fee documentation inside the app or help center.
Interest rates you can verify from Vivid
For personal users, Vivid advertises a promotional 3% annual interest rate for the first 2 months, followed by up to 2% depending on the plan.
Funds in this pocket are invested in qualifying money market funds, which is why the rate can be offered and why risk disclosures matter.
If you only want a card for spending, you can ignore these interest features, but if you keep cash in Vivid, they are part of the overall value calculation.
Contact information, phone numbers, and address
The published address is 21 Rue Glesener, L-1631, Luxembourg, Grand Duchy of Luxembourg.
Vivid’s help center provides a phone number to block your card from Germany or any other country: +49 30 91734840.
It also lists country-specific blocking lines, including France: +33 1 86655810, Spain: +34 919012821, and Italy: +39 02 94754209.
For non-urgent issues, Vivid’s published guidance is to use chat or the official support form rather than calling.
Final take
Choose Standard if you want a simple card-and-app setup and you prefer not to pay a monthly plan price unless the upgrades clearly pay for themselves.
Choose a metal-eligible plan if you value the premium card, higher perk levels, or plan-based advantages enough to justify the ongoing subscription cost.
Disclaimer: This article is for general information and summarizes publicly available details from Vivid’s official pages and help center at the time of writing. Plan benefits, fees, and interest rates can change, so you should verify the latest terms inside the Vivid app and on the official plan and product pages before you decide. The interest features described here may involve investment risk, and you should read Vivid’s risk disclosures and product documents carefully. If you need urgent help blocking a card, use the official emergency phone numbers from Vivid’s help center and follow the in-app security steps immediately.hcf
