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Narvi

Narvi is a Finnish electronic money institution that offers business accounts with dedicated EUR IBANs, SEPA, SEPA Instant and SWIFT payments, and a treasury desk for FX and crypto. Through its Banking-as-a-Service API, businesses can embed IBAN accounts, payments and KYC/KYB onboarding into their own products and operate across the EEA under Narvi's EMI licence.

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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.
Settlement
Instant to 24 business days
Coverage
30 countries
Payment methods
4
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Narvi before signing. Visit Website is an external link; we may earn a commission.

Narvi overview

Best for

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 pricing & fees

Pricing structure

Pricing
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.
Your business must be registered in
Not disclosed

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Narvi settlement & payouts

Payouts

Settlement time
Instant to 24 business days
Settlement currencies
Not collected yet

Narvi API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Narvi coverage & payment methods

Supported countries

30 countries
ATBEBGCYCZDEDKEEESFIFRGRHRHUIEISITLILTLULVMTNLNOPLPTROSESISK

Payment methods

BitcoinSepaSwiftUsdc

Narvi licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

Narvi Payments Oy Ab

Finland

Licenses

E-Money Institution FI

Authorised Electronic Money Institution (FI)

Financial Supervisory Authority (Finland)

License numbers & register records

1 license number · 1 register record on file for Narvi, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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Using ChatGPT or Claude? Ask it to prepare your application to Narvi. It can fill in your business profile for you, and you review and sign it here — nothing is sent before that. How assistants do it

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