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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

Incard

UK and EU ecommerce businesses, agencies, AI startups and creators that want multi-currency business accounts and cashback Visa cards for spending such as online advertising.

Incard
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 Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%.
Features

0 shared

Regions

0 shared

Pay methods

1 shared

3 unique to Narvi · 7 unique to Incard
On region

Not enough published data on regional coverage for a fair verdict — open the full specs below for reference.

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Show full specs
0 features · 11 payment methods · 0 regions. We don't rank these — they're here for reference.
Narvi Narvi
Incard Incard
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.
Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%.
Settlement
Time to receive funds
Instant to 24 business days
—
Founded
—
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Payment Methods
Incard leads (8 vs 4)
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Bitcoin Unique
✓
—
Corporate Card Unique
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✓
Debit Card Unique
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✓
Sepa Unique
✓
—
Swift
✓
✓
Usdc Unique
✓
—
Virtual Account Unique
—
✓
Virtual Card Unique
—
✓
Visa 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

Incard is best when you...

UK and EU ecommerce businesses, agencies, AI startups and creators that want multi-currency business accounts and cashback Visa cards for spending such as online advertising.
View Incard

Frequently Asked Questions

What is the difference between Narvi and Incard?
They share 1 payment method and 0 regions. Narvi adds Bitcoin, SEPA, USDC that Incard does not list; Incard adds Apple Pay, Bank Transfer, Corporate Card and 4 more that Narvi does not list.
Which is cheaper, Narvi or Incard?
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.; Incard has published rates from Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Narvi and Incard?
Narvi lists 0 regions and 4 payment methods; Incard lists 0 and 8. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Narvi and Incard compare on integration and settlement?
Narvi publishes a settlement time of Instant to 24 business days.

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