The Live exchange rate is the exchange rate valid at the moment of the actual transaction (and is based where possible on the ECB exchange rate) plus our small mark-up.
In some events (e.g. when the currency markets are closed) we apply a small mark-up. This will depend on the specific currency. But in any case, our exchange rate is typically one of the very best rates available.
Note according to § 25e of the German Banking Act (Kreditwesengesetz – KWG):
Vivid Money GmbH offers the brokerage of the purchase and sale of financial instruments in accordance with section 1 para. 1a sentence 2 No. 1 KWG exclusively in the name and for the account of the solarisBank AG. Vivid Money GmbH is recorded as tied agent of solarisBank AG within the meaning of section 2 para. 10 KWG in the register which is kept by the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht – BaFin). The register can be accessed under www.bafin.de.