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Xoala

Xoala

Cross-border businesses, including those in higher-risk sectors such as iGaming, prop trading and brokerages, that need multi-currency business accounts, cards and payment acceptance from one provider.

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
— 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

1 shared

10 unique to Xoala · 3 unique to Narvi
On settlement

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

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Show full specs
0 features · 14 payment methods · 0 regions. We don't rank these — they're here for reference.
Xoala Xoala
Narvi Narvi
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
Xoala leads (11 vs 4)
Ach Unique
✓
—
Bitcoin Unique
—
✓
Crypto Unique
✓
—
Digital Wallet Unique
✓
—
Faster Payments Unique
✓
—
Ideal Unique
✓
—
Mb Way Unique
✓
—
Multibanco Unique
✓
—
Mybank Unique
✓
—
Pix Unique
✓
—
Sepa
✓
✓
Swift Unique
—
✓
Usdc Unique
—
✓
Voucher Unique
✓
—
Regions

Xoala is best when you...

Cross-border businesses, including those in higher-risk sectors such as iGaming, prop trading and brokerages, that need multi-currency business accounts, cards and payment acceptance from one provider.
View Xoala

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 Xoala and Narvi?
They share 1 payment method and 0 regions. Xoala adds ACH, Crypto, Digital Wallet and 7 more that Narvi does not list; Narvi adds Bitcoin, SWIFT, USDC that Xoala does not list.
Which is cheaper, Xoala or Narvi?
Xoala has no published rate; 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 Xoala and Narvi?
Xoala lists 0 regions and 11 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 Xoala and Narvi compare on integration and settlement?
Narvi publishes a settlement time of Instant to 24 business days.

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