Arival Bank

Pricing

• •The opening cost is stated inconsistently by the bank. The pricing page shows both the application fee and the onboarding fee as free, alongside a promotional banner covering the first month, while the application-process FAQ states that the application fee is charged before submission, is non-refundable, and varies between $150 for Standard and $100 for Premium. Treat the free opening as promotional until the bank reconciles the two pages.

Limits

• •Deposits can be insured by FDIC up to $50,000,000, and the cover comes through the settlement partners rather than from the bank directly.
• •The bank does not publish any per-transaction, daily or monthly amount limit.
• •Deposits can be insured by FDIC up to $2,500,000, and the cover comes through the settlement partners rather than from the bank directly.

Payments & transfers

• •The country ban is not limited to where you live or where your company is registered: the bank also declines customers who transact with businesses or individuals incorporated, resident or operating in a prohibited jurisdiction. That is why the same list applies both to payments you send and to payments you receive.
• •The USD account covers both domestic USD payments, by domestic transfer and ACH, and international USD payments worldwide.
• •The EUR SEPA account can receive euro only, in the same way the USD account can receive dollars only.

Cards

• •Cards were still not available on 1 August 2026. A full card fee schedule is already published, but the general FAQ still answers that cards are not offered yet, and the product pages announce the launch (one says July, another says August).

Crypto

• •Business onlyCompanies in digital assets, digital currency, money services and payment services cannot use the account for client funds activity, so the crypto features are available for the company's own money and not for money held on behalf of its customers.
• •USDC is available to all eligible clients, while USDT is offered only to non-US entities.
• •Business onlyBusinesses in digital assets, digital currency, money services and payment services can open an account, but cannot use it to process money belonging to their own customers: the bank states they are not allowed to hold, exchange, transfer or manage client funds in the account. This limits how the account can be used, it does not block onboarding.

Business activity

• •Personal onlyThe industry restrictions do not apply to personal accounts: the bank scopes its business activity policy to business banking. Geographic eligibility still applies.
• •Business only · Lending & CreditPayday lending is prohibited outright, including high-interest short-term loans and any business associated with predatory lending practices, even though other regulated credit-granting activities can be accepted after enhanced due diligence.
• •Business onlyThe restriction on IT businesses covers computer consultancy and computer facilities management only. The bank lists software publishing and computer programming as separate, unrestricted activities, so software development is not affected.
• •Business onlyThe restriction on vaping businesses covers the manufacture of e-liquids and of electronic cigarettes, and their wholesale distribution. Retail sale to consumers is not named, and the policy never mentions tobacco.
• •Business onlyFurther activities the bank refuses that do not map to a standard industry category: auction houses, auto and boat dealership management, government and public administration, precious art and antiques, security services and products, luxury shopping and concierge services, waste management, bearer shares, cash-intensive businesses, counterfeit or unauthorised goods, illicit drugs, intellectual property infringement, shell companies, businesses that do not describe their activity clearly, and unregistered financial services.

Opening an account

• •A second, shorter group of countries is not blocked but triggers enhanced due diligence, which can mean extra documents or an additional approval step.

Countries & residency

• •Arival is licensed in Puerto Rico, and for that reason cannot serve Puerto Rico itself: the licence excludes individuals resident there, entities incorporated or organised under Puerto Rico law, and anyone whose principal place of business is located there.