Railor
Businesses with complex structures, cross-border flows and higher-risk profiles, such as iGaming, forex, crypto-native firms, e-commerce, service providers and startups, that want an EU EMI business account with a dedicated manager.
VS
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.
Fees from
Account fees (Low / Medium / High risk): Setup (one-time, per company) FREE / €500 / €1,000; Monthly Maintenance FREE / €100 / €200; Minimum Account Balance €0 / €500 / €500; Additional Account Opening (3rd+ Account) FREE / €100 / €200; Additional User Fee (2nd+ User) FREE / €25 / €50. Payments: SEPA Incoming FREE / 0.15% min. €15 / 0.30% min. €20; SEPA Outgoing 0.10% min. €5 / 0.15% min. €15 / 0.30% min. €20; SWIFT Incoming 0.10% min. €40 / 0.15% min. €40 / 0.30% min. €40; SWIFT Outgoing 0.30% min. €40 / 0.40% min. €40 / 0.60% min. €40; Outgoing Urgent (Additional Fee) €30 / €35 / €40; Internal Transfer FREE / 0.05% min. €10 / 0.10% min. €20. FX: EUR ⇄ USD From 0.25%; Major Currencies From 0.40%; Exotic Currencies From 0.70%. Crypto On/Off Ramp Fiat ⇄ Crypto 0.50% min. €50 / 0.75% min. €75 / 1.00% min. €100. Service fees: Transfer Trace €100; Aggregation Transfer Lookup €50; Account Closing €250; Enhanced Due Diligence (EDD) €500; Express Onboarding €1,000. vs 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.
Features
0 shared
Regions
0 shared
Pay methods
2 shared
1 unique to Railor · 2 unique to Narvi
On settlement
Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.
2-minute quiz
Still deciding? Find your perfect match.
Answer a few questions about your business type, volume, and must-have features. We'll recommend the best provider for your specific needs.
Find my matchFree. Takes 2 minutes. No account required.
For developers · MCP
Tired of clicking around? Use our MCP.
Point Claude, ChatGPT, or Cursor at our endpoint. compare_providers returns the same data — in one tool call. Free preview, no API key.
Show full specs 0 features · 5 payment methods · 0 regions. We
don't rank these — they're here for reference.
Show full specs
0 features · 5 payment methods · 0 regions. We
don't rank these — they're here for reference.
Railor NarviQuick Facts
Fees
Standard transaction rate
Account fees (Low / Medium / High risk): Setup (one-time, per company) FREE / €500 / €1,000; Monthly Maintenance FREE / €100 / €200; Minimum Account Balance €0 / €500 / €500; Additional Account Opening (3rd+ Account) FREE / €100 / €200; Additional User Fee (2nd+ User) FREE / €25 / €50. Payments: SEPA Incoming FREE / 0.15% min. €15 / 0.30% min. €20; SEPA Outgoing 0.10% min. €5 / 0.15% min. €15 / 0.30% min. €20; SWIFT Incoming 0.10% min. €40 / 0.15% min. €40 / 0.30% min. €40; SWIFT Outgoing 0.30% min. €40 / 0.40% min. €40 / 0.60% min. €40; Outgoing Urgent (Additional Fee) €30 / €35 / €40; Internal Transfer FREE / 0.05% min. €10 / 0.10% min. €20. FX: EUR ⇄ USD From 0.25%; Major Currencies From 0.40%; Exotic Currencies From 0.70%. Crypto On/Off Ramp Fiat ⇄ Crypto 0.50% min. €50 / 0.75% min. €75 / 1.00% min. €100. Service fees: Transfer Trace €100; Aggregation Transfer Lookup €50; Account Closing €250; Enhanced Due Diligence (EDD) €500; Express Onboarding €1,000.
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 Narvi leads (4 vs 3)
Narvi leads (4 vs 3)Bitcoin Unique
—
✓
Chaps Unique
✓
—
Sepa
✓
✓
Swift
✓
✓
Usdc Unique
—
✓
Regions
Railor is best when you...
Businesses with complex structures, cross-border flows and higher-risk profiles, such as iGaming, forex, crypto-native firms, e-commerce, service providers and startups, that want an EU EMI business account with a dedicated manager.
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.
Frequently Asked Questions
What is the difference between Railor and Narvi?
They share 2 payment methods and 0 regions. Railor adds CHAPS that Narvi does not list; Narvi adds Bitcoin, USDC that Railor does not list.
Which is cheaper, Railor or Narvi?
Railor has published rates from Account fees (Low / Medium / High risk): Setup (one-time, per company) FREE / €500 / €1,000; Monthly Maintenance FREE / €100 / €200; Minimum Account Balance €0 / €500 / €500; Additional Account Opening (3rd+ Account) FREE / €100 / €200; Additional User Fee (2nd+ User) FREE / €25 / €50. Payments: SEPA Incoming FREE / 0.15% min. €15 / 0.30% min. €20; SEPA Outgoing 0.10% min. €5 / 0.15% min. €15 / 0.30% min. €20; SWIFT Incoming 0.10% min. €40 / 0.15% min. €40 / 0.30% min. €40; SWIFT Outgoing 0.30% min. €40 / 0.40% min. €40 / 0.60% min. €40; Outgoing Urgent (Additional Fee) €30 / €35 / €40; Internal Transfer FREE / 0.05% min. €10 / 0.10% min. €20. FX: EUR ⇄ USD From 0.25%; Major Currencies From 0.40%; Exotic Currencies From 0.70%. Crypto On/Off Ramp Fiat ⇄ Crypto 0.50% min. €50 / 0.75% min. €75 / 1.00% min. €100. Service fees: Transfer Trace €100; Aggregation Transfer Lookup €50; Account Closing €250; Enhanced Due Diligence (EDD) €500; Express Onboarding €1,000.; 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.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Railor and Narvi?
Railor lists 0 regions and 3 payment methods; Narvi lists 0 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Railor and Narvi compare on integration and settlement?
Narvi publishes a settlement time of Instant to 24 business days.
Are you Railor or Narvi?
Claim your profile to update information, respond to comparisons, and access visitor analytics.
Claim this profileData on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.
See something wrong? Report inaccurate info →