# Narvi — Payment Provider

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.

- **Listing status:** Unclaimed — researched from public sources
- **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.
- **Fees:** 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.
- **Fee model:** flat-rate
- **Settlement time:** Instant to 24 business days
- **Categories:** baas, crypto, embedded, high-risk
- **Countries served:** 30 (AT, BE, BG, CY, CZ, DE, DK, EE, ES, FI, FR, GR, …)
- **Payment methods:** bitcoin, sepa, swift, usdc

## Legal & compliance

Legal entities:
- Narvi Payments Oy Ab — Finland — licenses: E-Money Institution, FI, FIVA

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/narvi#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=narvi&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/narvi

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)