Vivi Money
Vivi Money is an Australian fintech operating an AI-native mobile banking and financial management app that combines transaction accounts, savings, investment trading (crypto, stocks, carbon credits), fee-free international spending, and a conversational AI assistant for digitally native Australian consumers and frequent cross-border travelers.
- Company typePrivate
- Founded-
- HeadquartersByron Bay, Australia
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Vivi Money does
Vivi Money Pty Ltd is an Australian fintech company that operates an AI-native mobile financial platform designed to consolidate spending, saving, investing, and international money management into a single app and Visa debit card. The platform is built on Pismo's cloud-native core banking infrastructure and connected to Visa's global payments network through a Novatti BIN sponsorship arrangement, with Open Banking connectivity enabling aggregation of users' external bank accounts for consolidated cashflow analysis. The product surface spans a transaction account (Vivi Spend), savings pots earning up to 6-8% p.a. via a partnership with Mutual Ltd's High Net Worth Fixed Income funds, an investment module covering 80+ cryptocurrencies, stocks, and Australia-first retail carbon credits trading, fee-free international spending at Visa exchange rates, a fee-free overdraft (Vivi Flex), peer-to-peer payments via Vivi Cashtag, single-use virtual cards, and round-up savings with a 5% bonus. A conversational AI assistant, Vivi AI, operates across text and voice modalities to deliver budgeting, spending predictions, and autonomous money-management actions.
The company is headquartered in Byron Bay, Australia, was co-founded by Graham Hayworth and Will Cormack, and operates with a 1-10 employee team. It runs a freemium model: a free Standard plan covers the full feature set, while a premium Vivi Plus subscription unlocks a metal card and additional benefits at an undisclosed monthly price. Revenue is generated from subscription fees, crypto and stock trading commissions (from 0.5%), FX-related spreads, and interest-rate spreads on savings products. Primary customer segments are digitally native Australian consumers, with a particular focus on frequent cross-border travelers and multi-currency money managers; broader international expansion and a Business tier are listed as forthcoming.
Go-to-market is product-led via the iOS App Store (Android forthcoming), supported by website content marketing, QR-code-driven acquisition, and earned media from partnership announcements. The company was recognized as a finalist in the Innovation/R&D category of the 10th Annual Fintech & Banking Awards 2025 and claims first-mover status as Australia's first financial platform with conversational AI integrated directly into a live financial services environment.
Vivi Money firmographics
Firmographics- Name
- Vivi Money
- Legal name
- Vivi Money Pty Ltd
- Website
- https://vivi.com.au
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Vivi Money is an Australian fintech operating an AI-native mobile banking and financial management app that combines transaction accounts, savings, investment trading (crypto, stocks, carbon credits), fee-free international spending, and a conversational AI assistant for digitally native Australian consumers and frequent cross-border travelers.
- Ownership category
- akta.pro rank
Vivi Money industry classification
Industry- Product category
- Digital Banking (Consumer Fintech)
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
- akta.pro secondary industries
- Card Issuing & Virtual Cards (lodge cards, single-use, tokenization) (THALAHAB), Alternative Payments & Digital Wallet Acceptance (A2A, RTP, wallets) (THALAHAH)
Keywords
Where Vivi Money is headquartered
LocationHeadquarters
- HQ city
- Byron Bay
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Vivi Money business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Vivi Plus Subscription: Premium subscription tier (Vivi Plus) required for metal card and additional benefits. Monthly subscription model.
- Foreign Exchange Spread: Revenue generated from foreign exchange transactions. No fees or markups stated for international purchases, suggesting revenue may come from interbank FX spreads or wholesale pricing.
- Interest on Savings (Partnership with Mutual Ltd): Partnership with Mutual Ltd providing access to High Net Worth Fixed Income funds. Revenue likely generated through spread on interest paid to customers vs. fund returns.
- Crypto & Stock Trading Fees: Cryptocurrency trading with fees as low as 0.5% per transaction. Stock trading likely generates similar transaction-based revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Free | Standard Plan - Free |
| Subscription | Monthly | Vivi Plus - Premium (price not disclosed) |
| Other | Pay-as-you-go | Vivi Flex - Fee-Free Overdraft |
| Transaction based/ take rate | Pay-as-you-go | Cryptocurrency Trading |
| Other | Pay-as-you-go | Savings Interest Rate |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
Vivi Money product offering
Product offeringCore offering
Vivi Money operates an AI-native mobile finance app that unifies a Visa debit transaction account, high-interest savings, retail crypto and US-stock investing plus carbon credits starting from $1, fee-free international spending at direct Visa exchange rates, a fee-free overdraft, and a conversational AI finance assistant. The app is built on Pismo's cloud-native core banking infrastructure, with a Visa debit card issued via Novatti's BIN sponsorship, and uses Open Banking connectivity to consolidate balances and transaction data across a user's other Australian bank accounts.
Product overview
Vivi Money is an Australian AI-native digital wallet and financial management platform architected as a single unified mobile app with multiple integrated modules. The core offering is the Vivi AI conversational assistant layered over a transaction account (Vivi Spend Account), with a modular suite of add-on products including savings pots (Vivi Save with up to 8% interest via Mutual Ltd), investment trading (Vivi Invest covering crypto, stocks, and carbon credits), international travel/FX (Vivi Travel & FX), Visa debit cards (plastic, Artist Series, and metal), fee-free overdraft (Vivi Flex), peer-to-peer payments (Vivi Cashtag), and automatic round-up savings (Vivi Round-Up). The platform is built on Pismo's cloud-native core banking infrastructure and connected to Visa's global payments network via Novatti's BIN sponsorship. Open Banking connectivity enables aggregation of external bank accounts for real-time financial analysis. A premium Vivi Plus tier unlocks the metal card and additional benefits.
Differentiator
Problem solved
Functional benefit
Products and services
- Vivi Spend Account The everyday transaction account at the heart of the Vivi Money app, providing an Australian consumer balance used with the Vivi Visa debit card and supporting PayID payments and bank transfers.
- Vivi Visa Debit Card A Visa debit card issued to Vivi customers via Novatti's BIN sponsorship and integrated with Apple Pay and Google Pay, supporting domestic and fee-free international spending at direct Visa exchange rates.
- Vivi Save A retail savings feature earning up to 6–8% p.a. interest on user balances through Vivi's Mutual Ltd partnership, sitting alongside the core transaction account inside the Vivi Money app.
- Vivi Invest A retail investing capability inside the Vivi app allowing Australian consumers to trade cryptocurrencies and US stocks and to buy carbon credits starting from $1, with a 0.5% fee on crypto trades.
- Vivi Travel & FX A fee-free international spending capability delivered through the Vivi Visa debit card that settles overseas transactions at direct Visa exchange rates with no FX markups.
- Vivi Flex A fee-free overdraft facility attached to the Vivi Spend Account, giving Australian consumers on-demand access to short-term liquidity with no overdraft fees.
- Vivi AI An AI-powered conversational finance assistant embedded in the Vivi Money app, helping Australian users with budgeting, cashflow analysis, spending insights, and finance questions grounded in their live Vivi account data.
Companies that use Vivi Money
Customer profileSegments3 records
Ideal customer profiles2 records
Vivi Money technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability7 records
Feature8 records
Vivi Money partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- PismocoreBrazilian core banking platform owned by Visa. Pismo provides cloud-native core banking infrastructure and APIs to support transaction accounts, savings accounts, and account processing for Vivi Money's AI-native financial platform.
- NovatticoreAustralian payment processor providing BIN sponsorship arrangement for Vivi Money. Novatti enables the Visa BIN sponsorship that connects Vivi Money to Visa's global payments network.
- VisacoreGlobal payments network provider. Visa provides the payment infrastructure connecting Vivi Money to the global payments network through Novatti's BIN sponsorship arrangement, enabling globally accepted Visa debit cards.
- Mutual LtdcoreAustralian fixed income fund partner. Mutual Ltd provides Vivi customers access to High Net Worth Fixed Income funds typically requiring $250k minimum deposits, enabling up to 6-8% p.a. interest rates on savings at call.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Vivi Money competitors and assessment
Company assessmentBroad incumbents
- Monzo: Established UK digital bank with spending insights, pots, and fee-free international spending. Comparable on spend/save architecture and AI-augmented financial management.
- Starling Bank: UK challenger bank offering current accounts, savings, and international payments. Overlaps on multi-currency functionality and digital-first customer experience.
- bunq: European neobank with multi-currency accounts, savings, and travel-oriented features. Comparable on cross-border spend and fee-free FX positioning.
- Cash App: Block's all-in-one consumer finance app combining payments, savings, investing, and Bitcoin trading. Comparable on the super-app bundling of spend/save/invest.
Direct peers
- Wise: Multi-currency account and international money transfer specialist. Direct competitor on Vivi's core FX/multi-currency use case for cross-border money managers.
- Up: Australian neobank offering a digital transaction account, savings pots, spending analytics, and bill splitting. Most direct domestic competitor to Vivi's spend/save/AI positioning.
- Revolut: Global multi-currency neobank with fee-free FX, savings, crypto/stocks trading, and AI features. Closest international analogue to Vivi's cross-border, multi-product strategy.
- 86 400: Former Australian neobank (acquired by NAB) offering transaction accounts, savings, and real-time spending insights. Domestic precedent for Vivi's positioning.
Emerging players
- Acorns: Micro-investing and round-up savings platform. Partial overlap with Vivi's Round-Up spare change and Vivi Invest retail investing features.
Regional players
- Raiz Invest: Australian micro-investing app using round-ups and spare-change investing. Domestic competitor specifically on the round-up savings and retail investing surface.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Vivi Money financial estimates
Financial estimateRevenue estimate
Valuation estimate
Vivi Money leadership team
Management profileNumber of profiles
Profiles2 records
Vivi Money funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Vivi Money M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Vivi Money
What does Vivi Money do?
Vivi Money operates an AI-native mobile finance app that unifies a Visa debit transaction account, high-interest savings, retail crypto and US-stock investing plus carbon credits starting from $1, fee-free international spending at direct Visa exchange rates, a fee-free overdraft, and a conversational AI finance assistant. The app is built on Pismo's cloud-native core banking infrastructure, with a Visa debit card issued via Novatti's BIN sponsorship, and uses Open Banking connectivity to consolidate balances and transaction data across a user's other Australian bank accounts.
Is Vivi Money a public or private company?
Vivi Money is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Vivi Money founded?
Vivi Money was founded in -1. It employs 1 to 10 people.
Where is Vivi Money based?
Vivi Money is headquartered in Byron Bay, Australia, in the Oceania region.
How does Vivi Money make money?
Four revenue lines are on record. Vivi Plus Subscription is the primary driver. The others are foreign Exchange Spread, interest on Savings (Partnership with Mutual Ltd) and crypto & Stock Trading Fees.
Who are Vivi Money's main competitors?
Broad incumbents on record are Monzo, Starling Bank, bunq and Cash App. Direct peers are Wise, Up, Revolut and 86 400. Acorns is listed as an emerging player. Raiz Invest is listed as a regional player.
Does Vivi Money have an API?
No public API is recorded for Vivi Money.
What industry is Vivi Money in?
Vivi Money's product category is Digital Banking (Consumer Fintech). Its primary akta.pro industry code is FSAMAIAG, Multi-Currency Accounts, Wallets & IBAN Services, with a secondary code of THALAHAB, Card Issuing & Virtual Cards (lodge cards, single-use, tokenization). Its NAICS code is 5223 and its SIC code is 6099.