Vision Bank vs traditional banking
Vision Bank is not a bank. This page exists to be explicit about what that means and why the products are different.
Key risk difference: A regulated bank holds insured deposits, offers payments, and lends. Vision Bank operates a speculative yield programme with no deposit protection. If you need deposit banking, use a bank.
Side-by-side comparison
| Attribute | Vision Bank programme | Traditional banking |
|---|---|---|
| Regulated bank? | No | Yes |
| Deposit insurance | None | Yes, up to local limit |
| Yield on cash | Target ~6.5%–9.7% monthly (variable) | Sub-1% on most current accounts |
| Payments / cards / IBAN | Not offered | Full retail banking |
| Lending | N/A | Yes |
| Best used for | Growth-seeking allocation, risk-tolerant capital | Day-to-day money, emergency funds |
Why some investors choose Vision Bank
For a portion of capital that is currently sitting idle in a low-yield bank account and can tolerate volatility, this programme targets a materially higher return.
Why some stay with traditional banking
Everything a bank does — payments, insured deposits, lending — remains the right home for money you actually need to spend and preserve.