VIALET
E-commerce merchants, fintechs/platforms, and licensed high-risk businesses (iGaming, forex, crypto) that need EU business IBAN accounts, card acquiring, pay-ins and mass payouts from one EMI.
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
Card Acquiring & Merchant Services: EU Issued Cards 4% + €0.30; Non-EU Issued Cards 5% + €0.30; (Original Credit Transfer) OCT 2% + €0.80; Refund Fee €1; Retrieval Request €5; Chargeback Fee €25 + scheme fees; Currency Exchange Rate XE.com + 1%; Rolling Reserve 10% for 180 days (Capped at €150,000). Business accounts (Standard Business, Low-Risk): Account Opening Fee Free; Application Review Fee €500 one-time; Monthly Maintenance €100 / month; SEPA C2B (IN) 0.5% (Min. €0.60); SEPA B2C (OUT) 0.5% (Min. €2.00); SEPA B2B (IN and OUT) 0.25% (Min. €2.00); SWIFT Transfers 0.5% (Min. €25); Currency Exchange Rate ECB + 2%. Digital Enterprises (Medium-Risk): Application Review Fee €750 one-time; Monthly Maintenance €150 / month. Regulated Enterprises (High-Risk): Application Review Fee €1,500 one-time; Monthly Maintenance €200 / month; SEPA C2B (IN) 1.5% (Min. €1.00). 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
4 unique to VIALET · 2 unique to Narvi
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Show full specs 0 features · 8 payment methods · 0 regions. We
don't rank these — they're here for reference.
Show full specs
0 features · 8 payment methods · 0 regions. We
don't rank these — they're here for reference.
VIALET NarviQuick Facts
Fees
Standard transaction rate
Card Acquiring & Merchant Services: EU Issued Cards 4% + €0.30; Non-EU Issued Cards 5% + €0.30; (Original Credit Transfer) OCT 2% + €0.80; Refund Fee €1; Retrieval Request €5; Chargeback Fee €25 + scheme fees; Currency Exchange Rate XE.com + 1%; Rolling Reserve 10% for 180 days (Capped at €150,000). Business accounts (Standard Business, Low-Risk): Account Opening Fee Free; Application Review Fee €500 one-time; Monthly Maintenance €100 / month; SEPA C2B (IN) 0.5% (Min. €0.60); SEPA B2C (OUT) 0.5% (Min. €2.00); SEPA B2B (IN and OUT) 0.25% (Min. €2.00); SWIFT Transfers 0.5% (Min. €25); Currency Exchange Rate ECB + 2%. Digital Enterprises (Medium-Risk): Application Review Fee €750 one-time; Monthly Maintenance €150 / month. Regulated Enterprises (High-Risk): Application Review Fee €1,500 one-time; Monthly Maintenance €200 / month; SEPA C2B (IN) 1.5% (Min. €1.00).
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
7 business days
Instant to 24 business days
Founded
—
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Payment Methods VIALET leads (6 vs 4)
VIALET leads (6 vs 4)Bitcoin Unique
—
✓
Mastercard Unique
✓
—
Open Banking Unique
✓
—
Sepa
✓
✓
Sepa Instant Unique
✓
—
Swift
✓
✓
Usdc Unique
—
✓
Visa Unique
✓
—
Regions
VIALET is best when you...
E-commerce merchants, fintechs/platforms, and licensed high-risk businesses (iGaming, forex, crypto) that need EU business IBAN accounts, card acquiring, pay-ins and mass payouts from one EMI.
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 VIALET and Narvi?
They share 2 payment methods and 0 regions. VIALET adds Mastercard, Open Banking, SEPA Instant and 1 more that Narvi does not list; Narvi adds Bitcoin, USDC that VIALET does not list.
Which is cheaper, VIALET or Narvi?
VIALET has published rates from Card Acquiring & Merchant Services: EU Issued Cards 4% + €0.30; Non-EU Issued Cards 5% + €0.30; (Original Credit Transfer) OCT 2% + €0.80; Refund Fee €1; Retrieval Request €5; Chargeback Fee €25 + scheme fees; Currency Exchange Rate XE.com + 1%; Rolling Reserve 10% for 180 days (Capped at €150,000). Business accounts (Standard Business, Low-Risk): Account Opening Fee Free; Application Review Fee €500 one-time; Monthly Maintenance €100 / month; SEPA C2B (IN) 0.5% (Min. €0.60); SEPA B2C (OUT) 0.5% (Min. €2.00); SEPA B2B (IN and OUT) 0.25% (Min. €2.00); SWIFT Transfers 0.5% (Min. €25); Currency Exchange Rate ECB + 2%. Digital Enterprises (Medium-Risk): Application Review Fee €750 one-time; Monthly Maintenance €150 / month. Regulated Enterprises (High-Risk): Application Review Fee €1,500 one-time; Monthly Maintenance €200 / month; SEPA C2B (IN) 1.5% (Min. €1.00).; 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 VIALET and Narvi?
VIALET lists 0 regions and 6 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 VIALET and Narvi compare on integration and settlement?
VIALET settles in 7 business days, Narvi in Instant to 24 business days.
Are you VIALET or Narvi?
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