Stable.com alternative for crypto, iGaming and PSP businesses

Narvi is a Finnish e-money institution that gives crypto, iGaming and PSP businesses a dedicated FI IBAN in their own name, with SEPA Instant and Swift. Here's how it compares with Stable.com, the new brand for Unlimit Accounts.

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The short answer. Choose Narvi if you want a Finnish IBAN issued under the account provider's own BIC, SEPA Instant at the SEPA price, and an account offer that names crypto and iGaming businesses. Stay with Stable.com if you want a free corporate account with published fees, stablecoin transfers inside the same product, or Mastercard cards with Apple Pay and Google Pay.If your Unlimit Accounts business account has moved to Stable.com, or is about to, you're probably checking whether it's still the right fit. This page is for finance and operations leads weighing a Stable.com alternative. Every Stable.com fact below comes from Stable.com's or Unlimit's own documents as of 21 October 2026, linked at the end.
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Table comparing Stable.com and Narvi on licence, account, payment rails, SEPA Instant, pricing model, crypto and industries. Details are in the text below.
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At a glance

Stable.com vs Narvi at a glance

Every Stable.com fact below is as stated in Stable.com's or Unlimit's own documents on 21 October 2026. Each number in brackets links to its source; the full list is at the end of the page.Licence
  • Stable.com (Unlimit EU Ltd): e-money institution, Central Bank of Cyprus, authorisation 115.1.3.7/2018. Crypto services through a separate entity, Unlimit Crypto Ltd, authorised by CySEC under MiCA [1][9]
  • Narvi (Narvi Payments Oy Ab): e-money institution, Finnish Financial Supervisory Authority (FIN-FSA), registration 3190214-6, passported across the EEA [10]
Who it serves
  • Stable.com: corporate, freelance and individual customers who sign up online; also partner-branded accounts [2][3]
  • Narvi: businesses, personal accounts for business owners, Banking-as-a-Service and white label [11][17]
Industry policy
  • Stable.com: no published list of accepted or prohibited industries [2][3]
  • Narvi: dedicated offers for iGaming and Web3/crypto businesses; crypto exchanges, payment services and high-risk industries go on a custom enterprise plan [11][12][13]
Account
  • Stable.com: payment or e-money account in IBAN format in your name, single or multi-currency [2]
  • Narvi: dedicated IBAN in your company's name, starting with FI, under Narvi's own BIC [14]
Payment rails
  • Stable.com: SEPA, Swift and TARGET2 named in the terms [2]
  • Narvi: SEPA and SEPA Instant 24/7, Instant at the SEPA price up to EUR 100,000 per payment; Swift under Narvi's own BIC [15]
Pricing
  • Stable.com: corporate tariff in force since 1 July 2024. Free opening and maintenance, free inbound transfers and standard SEPA, SEPA express EUR 10, other outgoing EUR 15 (SHA) or EUR 25 (OUR). Fees may differ by business type [4]
  • Narvi: one-time onboarding fee plus three months of monthly fees up front; monthly fee by risk tier; minimum balance of three monthly fees; internal transfers EUR 1 (see pricing) [11]
Onboarding
  • Stable.com: self-serve online KYB; Stable.com and Unlimit pages quote times from a few minutes to 48 hours [5][6]
  • Narvi: 10-minute online application, then a compliance review and a priced offer [11]
Crypto
  • Stable.com: transfers into your own account from self-custody USDT or PYUSD on Polygon; swap, buy and sell through Unlimit Crypto Ltd [7][8]
  • Narvi: crypto OTC desk converts crypto to fiat and pays it into your account; IBANs hold fiat only [16]
API
  • Stable.com: not documented publicly for account clients [6]
  • Narvi: business API with public documentation; Banking-as-a-Service and white label [17]
Team access
  • Stable.com: authorised persons with their own credentials [2]
  • Narvi: roles for directors, accountants and employees [18]
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The migration

What the move to Stable.com changes, and what it doesn't

Unlimit began moving its account clients to Stable.com in September 2026. UK and German clients have moved, Cyprus is in progress, and no end date has been given for the rest of the EU [7][8].Unlimit told the press that contracts, legal entities and balances stay the same, and that clients don't need to re-onboard [8]. In the EEA your provider is still Unlimit EU Ltd, the Cyprus e-money institution. What changes is the brand, the app, and a product that now sits next to crypto swaps run by a sister company [1][7].If your account works and nothing in your terms has changed, staying is a reasonable choice. If the rebrand has you reviewing providers anyway, ask about the account itself: whose name is on the IBAN, which country it starts with, which rails it reaches, and what your industry pays.
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Stable.com is a brand: EEA accounts are provided by Unlimit EU Ltd, a Cyprus e-money institution, and crypto services by Unlimit Crypto Ltd. Narvi accounts are provided by Narvi Payments Oy Ab, a Finnish e-money institution.
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IBAN and rails

A Finnish IBAN with SEPA Instant and Swift

Your IBAN starts with FI and carries Narvi's BICNarvi issues its own IBANs under its own BIC, NARYFIH2. Your company is the account holder of record, so payers and counterparties see your name on every payment, and your funds aren't pooled in a shared account with other clients [12][14].Stable.com's terms also put accounts in the customer's name [2]. The difference is where the account lives: with Narvi, a Finnish IBAN issued by an e-money institution supervised by FIN-FSA. You can open a separate IBAN for each entity or subsidiary and run them from one dashboard.SEPA Instant at the SEPA priceNarvi accounts send and receive SEPA Instant 24/7, priced the same as a standard SEPA transfer, up to EUR 100,000 per payment [15]. International payments run over Swift under Narvi's own BIC.Stable.com's terms name SEPA, Swift and TARGET2, and its corporate fee list charges EUR 10 for SEPA express [2][4]. If instant euro payments matter to your treasury, ask Stable.com whether SEPA Instant is available on your account, in both directions, and at what price.
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Crypto and iGaming

Crypto and iGaming written into the offer

Narvi has dedicated account offers for iGaming operators, platforms and affiliates and for crypto exchanges, custodians, OTC desks and DeFi entities [12][13]. Stable.com doesn't publish which industries it accepts or excludes, so the only way to find out is to apply [2][3].The pricing is written down too. Crypto exchanges, payment services and other high-risk businesses go on a custom enterprise plan, priced after compliance review [11]. Medium and high-risk tiers cover B2B payments only, so if you pay out to players or consumers, you need the enterprise plan, and we'll tell you that before you're priced.The two providers handle crypto differently. Stable.com puts stablecoin transfers and swaps inside the product through a separate CySEC-authorised crypto-asset service provider [1][7]. Narvi keeps your IBAN fiat-only and converts crypto to fiat through its OTC desk [16].
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When to stay

When Stable.com is the better choice

If you're a low-risk business that wants a free account with a published fee list, Stable.com's corporate tariff costs less to start: no opening or maintenance fee, compared with Narvi's onboarding fee and three months of fees up front [4][11]. Stable.com also suits you if you want to move stablecoins on-chain from the same app, or need Mastercard cards with Apple Pay and Google Pay on the same account [3]. And if you've already migrated, your terms haven't changed, and payments run smoothly, the cost of switching may outweigh the gain.
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How to switch

Switching to a Stable.com alternative

Moving because of a migration? Here's what to prepare. You'll need your company documents, details of your directors and owners, and a short description of where your money comes from and goes. The full document list is in our help centre.
  1. Book a short call with the onboarding team for a pricing estimate based on your business profile.
  2. Complete the online application, which takes about 10 minutes (step-by-step guide).
  3. Our compliance team reviews your documents and sends a priced offer.
  4. Fund the account: the onboarding fee, three months of monthly fees and a minimum balance of three monthly fees [11].
  5. Run both accounts in parallel. Move one payment flow at a time (customers, PSPs, payroll, suppliers) and send each counterparty your new IBAN and the BIC NARYFIH2.
  6. Close the old account only after the last inbound payment has landed, and sweep the balance first: Stable.com's corporate tariff charges EUR 250 a month on balances left after closure [4].
Talk to the onboarding team
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FAQ

Frequently asked questions

Stable.com is a brand, not a licensed entity. In the EEA, Stable.com business accounts are provided by Unlimit EU Ltd, a Cyprus e-money institution, and crypto services by Unlimit Crypto Ltd, a separate company authorised by CySEC.

Unlimit told the press in September 2026 that contracts, legal entities and balances stay the same and that clients don't need to re-onboard.

No. Narvi Payments Oy Ab is an e-money institution authorised by the Finnish Financial Supervisory Authority and passported across the EEA. It holds client funds separately from its own money, as EU e-money rules require.

Yes. Narvi has dedicated account offers for both. Crypto exchanges, payment services and other high-risk businesses go on a custom enterprise plan, priced after compliance review.

Yes, and we recommend it. Run both accounts in parallel and move your payment flows one at a time, so nothing stops while counterparties update your details.

Narvi charges a one-time onboarding fee and a monthly fee set by your risk tier, with three months of fees paid up front. Enterprise clients are priced after compliance review. The tiers are on the pricing page.
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Get a dedicated FI IBAN in your company's nameOpen an account or talk to the onboarding team about your industry and payment flows.
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Sources

Sources

Last checked: 21 October 2026. For providers aimed at lower-risk businesses, read our comparison of Wise, Revolut and other alternatives.
  1. Stable.com FAQ: which provider serves you
  2. Stable.com General Terms and Conditions, valid from 19 June 2026
  3. Stable.com legal documents
  4. Stable.com General Fees and Charges for Corporate Customers, in force 1 July 2024
  5. Stable.com homepage
  6. Unlimit Accounts homepage
  7. Unlimit press release, 22 September 2026
  8. Finance Magnates, 17 September 2026
  9. FinTech Futures: Unlimit Crypto MiCA licence
  10. FIN-FSA register of supervised entities
  11. Narvi pricing
  12. Narvi for iGaming
  13. Narvi for Web3 and crypto
  14. Narvi dedicated IBAN
  15. Narvi SEPA Instant
  16. Narvi FAQ
  17. Narvi Banking-as-a-Service
  18. Narvi multi-user access
Swift is a trademark of S.W.I.F.T. SC.
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Narvi Payments Oy Ab is an Authorized Electronic Money Institution (EMI). Narvi’s EMI license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3190214-6. Narvi’s license is passportised to all European Union countries.
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