Peaks
AFM
Vivid Money
BaFin
Peaks vs Vivid Money
Head-to-Head Comparison 2026
Our Verdict
Peaks has a higher rating of 3.8/5 compared to Vivid Money (3.7/5). Vivid Money offers 3 instrument types, while Peaks offers 2. The minimum deposit is lower at Vivid Money with 0,01 €. Vivid Money is BaFin-regulated, while Peaks is supervised by AFM.
Comparison Table
| Criteria | Peaks | Vivid Money |
|---|---|---|
| Rating | 3.8/5 (620 reviews)✓ | 3.7/5 (1100 reviews) |
| Regulation | AFM | BaFin |
| Fees | €1 or €2 per month + 0.5% p.a. fund costs | €0 order fee (stocks/ETFs), crypto spread from 1% |
| Min. Deposit | 1 € | 0,01 € |
| Instruments | ETFs, ETF-Portfolios | Stocks, ETFs, Crypto |
| Platforms | Peaks App | Vivid App |
| Options Trading | No | No |
| Founded | 2016 | 2020 |
| Headquarters | Amsterdam | Berlin |
Detailed Comparison
Fee Comparison
Peaks: €1 or €2 per month + 0.5% p.a. fund costs. Minimum deposit: 1 €.
Vivid Money: €0 order fee (stocks/ETFs), crypto spread from 1%. Minimum deposit: 0,01 €.
Product Range
Peaks (2 categories)
Vivid Money (3 categories)
Trading Platforms
Peaks
- Peaks App
Vivid Money
- Vivid App
Regulation & Security
Peaks is regulated by AFM (HQ: Amsterdam).
Vivid Money is regulated by BaFin (HQ: Berlin).
Who Is It For?
Peaks
Micro-investing app with automated savings and ETF portfolios
✓ Automatic investing through rounding up card payments
✓ AFM-regulated in the Netherlands
✓ Ideal for beginners and micro-investing
✗ Flat monthly fee disadvantageous for small amounts
✗ No individual stock selection possible
Vivid Money
Berlin-based neobank with integrated stock, ETF and crypto trading
✓ Banking and trading combined in one app
✓ Commission-free stock and ETF trading
✓ Over 50 cryptocurrencies available
✗ Crypto spreads relatively high (from 1%)
✗ Limited stock selection compared to specialized brokers
Frequently Asked Questions
Is Peaks or Vivid Money cheaper?
Which broker offers more products: Peaks or Vivid Money?
Which broker is better regulated?
Is Peaks or Vivid Money better for beginners?
Peaks vs Vivid Money: Which broker is better overall?
Peaks
Micro-investing app with automated savings and ETF portfolios
Open Account →From 1 € min. deposit
Vivid Money
Berlin-based neobank with integrated stock, ETF and crypto trading
Open Account →From 0,01 € min. deposit