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Wave Financial

Wave Financial

Free Accounting Payments

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.

Narvi
Fees from
2.9%–3.4% + $0.6 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

2 unique to Wave Financial
Regions

0 shared

1 unique to Wave Financial
Pay methods

0 shared

6 unique to Wave Financial · 4 unique to Narvi
On licensing

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

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Show full specs
2 features · 10 payment methods · 1 regions. We don't rank these — they're here for reference.
Wave Financial Wave Financial
Narvi Narvi
Quick Facts
Fees
Standard transaction rate
2.9%–3.4% + $0.6
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
1–2 business days
Instant to 24 business days
Founded
2010
—
Headquarters
Toronto, Canada
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Wave Financial leads (2 vs 0)
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Wave Financial leads (6 vs 4)
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Bitcoin Unique
—
✓
Credit Card Unique
✓
—
Mastercard Unique
✓
—
Sepa Unique
—
✓
Swift Unique
—
✓
Usdc Unique
—
✓
Visa Unique
✓
—
Regions
Wave Financial leads (1 vs 0)
North America Unique
✓
—

Wave Financial is best when you...

Free Accounting Payments
Need Low Fees
Not available with Narvi
Need Startup Friendly
Not available with Narvi
Want coverage in North America
Narvi doesn't cover this region
View Wave Financial

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

Frequently Asked Questions

What is the difference between Wave Financial and Narvi?
They share 0 payment methods and 0 regions. Wave Financial adds Amex, Apple Pay, Bank Transfer and 3 more that Narvi does not list; Narvi adds Bitcoin, SEPA, SWIFT and 1 more that Wave Financial does not list; Wave Financial also covers North America; only Wave Financial offers Low Fees, Startup Friendly.
Which is cheaper, Wave Financial or Narvi?
Wave Financial has published rates from 2.9%–3.4% + $0.6; 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 Wave Financial and Narvi?
Wave Financial lists 1 region 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 Wave Financial and Narvi compare on integration and settlement?
Wave Financial offers a sandbox, Narvi does not list one; Wave Financial supports webhooks; Wave Financial settles in 1–2 business days, Narvi in Instant to 24 business days.

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