Narvi

Pricing

• •Business onlyOnboarding requires three monthly deposits paid in advance on top of the account opening fee, and companies with complex ownership structures such as holding companies pay an additional fee.
• •Personal onlyPersonal account pricing isn't published; an individual quote is sent by email after you apply.

Limits

• •Narvi declares no limit on euro transfers and no daily limit on this plan.
• •Euro transfers carry no limit and no daily cap. A single SEPA Instant payment stops at €100,000, and above that the transfer simply routes over SEPA Credit, which has no maximum.

Payments & transfers

• •Business onlyThe account is limited to B2B transactions and payments to government entities; consumer payments (C2B or B2C) aren't supported.
• •Business onlyThe account is limited to B2B transactions; consumer payments (C2B or B2C) aren't supported.
• •The account holds EUR only; multi-currency support is planned but not yet available.
• •Narvi issues its own Finnish IBANs, with the BIC and SWIFT code in Narvi's own name rather than a partner's, on SEPA and SEPA Instant, and the monthly fee covers them.

Cards

• •The account currently has no card; a physical and virtual Mastercard is on the roadmap but not yet launched.

Crypto

• •The account holds only fiat: incoming crypto goes through an OTC desk that converts it to EUR before it's credited to the account.
• •A fuller crypto-asset service (buy, sell, swap, deposit, and external-wallet withdrawal) is provided by a separate third-party provider, accessible only through Narvi.

Opening an account

• •Personal onlyIf you don't already bank with Narvi, a standalone personal account requires you to reside in the EEA. Existing Narvi business clients are covered by a separate route, for which no residence requirement is stated.
• •Business onlyOnce your business account is approved you can also open a personal account under the same login, and no residence requirement is stated for that route. The requirement to reside in the EEA applies only to people opening a personal account on its own.

Countries & residency

• •Business onlyUS LLCs, including Delaware and Wyoming ones, are accepted.

Sanctions

• •Payments to and from Crimea, Donetsk and Luhansk are prohibited.

Licence & regulation

• •Regulated in Finland as an EMI by the Financial Supervisory Authority (registration number 3190214-6), with the license passported across all EU countries.