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Narvi

Narvi

Fintechs, marketplaces, PSPs, SaaS platforms and licensed crypto/VASP businesses that need EUR IBAN accounts and SEPA/SWIFT payments, either for their own use or built into their product through an API, without getting their own EMI licence.

VS

Flowe

Banks, e-money and payment institutions seeking affiliate-mode branded card issuing, and retail or welfare businesses wanting a branded digital wallet.

Flowe
Fees from
Account Opening: One-time onboarding fee plus three months of monthly deposits. Monthly Fee: Dependent on your classification and any added compliance requirements. Minimum Balance Requirement: Equal to three months of monthly fees, ensuring your account stays positive. Internal Transfers between Narvi accounts: €1 per transfer. SWIFT transactions: Additional fees may apply based on the corresponding banking network. vs —
Features

0 shared

Regions

0 shared

Pay methods

0 shared

4 unique to Narvi · 6 unique to Flowe

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0 features · 10 payment methods · 0 regions. We don't rank these — they're here for reference.
Narvi Narvi
Flowe Flowe
Quick Facts
Fees
Standard transaction rate
Account Opening: One-time onboarding fee plus three months of monthly deposits. Monthly Fee: Dependent on your classification and any added compliance requirements. Minimum Balance Requirement: Equal to three months of monthly fees, ensuring your account stays positive. Internal Transfers between Narvi accounts: €1 per transfer. SWIFT transactions: Additional fees may apply based on the corresponding banking network.
—
Settlement
Time to receive funds
Instant to 24 business days
—
Founded
—
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Payment Methods
Flowe leads (6 vs 4)
Bitcoin Unique
✓
—
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Mastercard Unique
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✓
Mobile Wallet Unique
—
✓
Prepaid Card Unique
—
✓
Sepa Unique
✓
—
Swift Unique
✓
—
Usdc Unique
✓
—
Virtual Card Unique
—
✓
Regions

Narvi is best when you...

Fintechs, marketplaces, PSPs, SaaS platforms and licensed crypto/VASP businesses that need EUR IBAN accounts and SEPA/SWIFT payments, either for their own use or built into their product through an API, without getting their own EMI licence.
View Narvi

Flowe is best when you...

Banks, e-money and payment institutions seeking affiliate-mode branded card issuing, and retail or welfare businesses wanting a branded digital wallet.
View Flowe

Frequently Asked Questions

What is the difference between Narvi and Flowe?
They share 0 payment methods and 0 regions. Narvi adds Bitcoin, SEPA, SWIFT and 1 more that Flowe does not list; Flowe adds Debit Card, Digital Wallet, Mastercard and 3 more that Narvi does not list.
Which is cheaper, Narvi or Flowe?
Narvi has published rates from Account Opening: One-time onboarding fee plus three months of monthly deposits. Monthly Fee: Dependent on your classification and any added compliance requirements. Minimum Balance Requirement: Equal to three months of monthly fees, ensuring your account stays positive. Internal Transfers between Narvi accounts: €1 per transfer. SWIFT transactions: Additional fees may apply based on the corresponding banking network.; Flowe has no published rate. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Narvi and Flowe?
Narvi lists 0 regions and 4 payment methods; Flowe lists 0 and 6. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Narvi and Flowe compare on integration and settlement?
Narvi publishes a settlement time of Instant to 24 business days.

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