Seven Best Wise and Revolut Business Alternatives in the EU (2026)
Narvi, Holvi, 3S Money, Flyfish, Airwallex, Finom, Qonto, and Payoneer compared on fees, SEPA Instant, SWIFT, licensing, crypto support, and dedicated IBANs - with pricing verified as of April 2026.
The best Wise and Revolut alternatives for EU businesses in 2026 are Narvi, Holvi, 3S Money, Flyfish, Airwallex, Finom, Qonto, and Payoneer. Each targets a different type of business: Narvi and 3S Money serve companies that need dedicated IBANs with SWIFT and SEPA Instant; Holvi, Finom, and Qonto bundle banking with invoicing and bookkeeping for freelancers and SMEs; Airwallex handles high-volume international FX; and Payoneer collects marketplace payouts.Wise and Revolut work well for personal transfers and basic freelancer accounts. They fall short for businesses that need dedicated IBANs under their own company name, real SWIFT connectivity, compliance support for regulated industries, or acceptance of verticals like crypto, gaming, and high-risk e-commerce. That gap is why this market exists.Juniper Research projects digital wallet users will hit 6 billion globally by 2030 (source: Juniper Research, "Digital Wallets Market 2025–2030," November 2025). The business banking segment is growing even faster, driven by cross-border e-commerce and the expansion of EMI licensing across the EEA.⚠️ All pricing and features verified as of April 2026. Check each provider's website for the latest.Key takeaways
- Narvi (Finnish EMI, FIN-FSA, 3,000+ companies served) is the strongest option for businesses in regulated verticals – crypto, fintech, e-commerce – that need dedicated IBANs, SEPA Instant, SWIFT, and 75+ currencies with named account management.
- Holvi (FIN-FSA payment institution) is best for solopreneurs in Finland and DACH who want integrated invoicing and bookkeeping from €0/month.
- 3S Money (UK FCA + Luxembourg CSSF) covers 65+ currencies across 190+ countries, but has no cards and doesn't accept crypto businesses.
- Flyfish (Cyprus, unlicensed marketplace) aggregates services from partner institutions under one KYB – convenient, but your regulatory protection depends on those partners, not on Flyfish.
- Airwallex (Netherlands + 10 jurisdictions) handles high-volume FX at 0.5% markup, but the "free" tier requires $5K monthly deposits or $10K balance.
- Finom (Dutch EMI, DNB) offers up to 3% cashback and strong accounting integrations across six EU markets, but no public API and no Nordic coverage.
- Qonto (French payment institution, ACPR) is Europe's largest business finance platform by customer count (600,000+ businesses), but limited to eight EU markets and doesn't accept high-risk verticals.
- Payoneer (Irish EMI, NASDAQ-listed) excels at marketplace payouts, but doesn't issue dedicated IBANs and isn't built as a primary business operating account.
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Narvi
1. Narvi – best Wise alternative for crypto, fintech, and high-risk businesses
Narvi Payments Oy is a licensed electronic money institution (EMI) regulated by Finland's Financial Supervisory Authority (FIN-FSA). Unlike consumer fintechs or marketplace aggregators, Narvi issues dedicated IBAN accounts directly under its own FIN-FSA licence, usable across the entire European Economic Area.The core proposition: businesses that get declined by Wise, Revolut, or traditional banks because of their industry classification (crypto, gaming, high-risk e-commerce, fintech) can get a full-featured IBAN account at Narvi with dedicated compliance support throughout onboarding. Narvi has served 3,000+ companies since inception, across verticals that most EMIs won't touch."Half the companies that come to us have already been rejected by two or three providers. They don't need a slicker app – they need someone who understands their business model, can get them through KYB without six months of back-and-forth, and won't quietly close their account after the first compliance review. That's the gap we fill." — Toni Kivinen, CEO, Narvi Payments
What Narvi offers:
- Dedicated Finnish IBAN accounts – not virtual sub-accounts or omnibus pooling. Your company's name, your IBAN, one-to-one.
- SEPA payments including SEPA Instant (both inbound and outbound). Smart routing falls back to SEPA Credit Transfer if the receiving bank doesn't support Instant. Typical Instant settlement: 10–30 seconds.
- SWIFT payments for international transfers outside the SEPA zone.
- 75+ currencies through Narvi's Treasury Desk.
- Fiat-crypto settlement support – Narvi accepts inbound USDC and BTC. ⚠️ [Compliance: confirm exact approved language]
- Named account manager and compliance team for every client. No chatbot triage for payment issues.
Pricing: Custom, based on business type and volume. See current pricing →Who should use Narvi: Companies operating in verticals that other providers refuse – crypto exchanges, DeFi protocols, gaming platforms, PSPs, cross-border e-commerce. Also businesses that need real SWIFT access, multi-currency treasury, or API-driven payment infrastructure alongside a dedicated IBAN.Open account
Holvi
2. Holvi – best for solopreneurs in Finland and DACH
Holvi Payment Services Ltd is an authorised payment institution (not an EMI) regulated by FIN-FSA. Founded in Helsinki in 2011, now owned by Keru Fintech Investments (previously BBVA). Holvi combines business banking with built-in invoicing, receipt scanning, and bookkeeping – targeting freelancers and micro-businesses rather than mid-market or enterprise.What Holvi offers:- Finnish IBAN accounts (up to 5 on the Pro plan)
- Physical and virtual Mastercard debit cards; business credit card available in Finland and Germany
- 18 currencies for payments and balance holding; SWIFT transfers at €1 per transaction
- Invoicing, VAT calculator, and bookkeeping preparation built into the platform
- 1.5% interest on balances until June 2026, 1% thereafter (Finland)
- Flex: €0 (pay-per-use, €0.25/SEPA transfer)
- Lite: €9 (100 SEPA transfers included)
- Pro: €15 (500 SEPA transfers)
- Business: €50 (team features)
3s Money
3. 3S Money – best for international trade in 65+ currencies
3S Money (Luxembourg) S.A. is an EMI licensed in the UK by the FCA (reference 900918) and in Luxembourg by the CSSF (reference W00000016, authorised 21 July 2022). The Amsterdam office operates via EU passporting from the Luxembourg licence – not a separate Dutch licence. 3S Money also holds a DFSA licence for its DIFC branch in Dubai.What 3S Money offers:- Multi-currency accounts in 65+ currencies
- Local IBANs in the UK (GBP), Netherlands (EUR), Luxembourg (EUR), France (EUR), plus AED accounts in the UAE
- SEPA, SWIFT, and UK Faster Payments
- Batch payment tools with CSV upload
- Dedicated relationship manager for all clients
Flyfish
Flyfish
Flyfish is a fintech marketplace headquartered in Limassol, Cyprus. It doesn't hold its own EMI, payment institution, or banking licence. Instead, Flyfish's "Unified Finance" (UniFi) platform aggregates services from regulated partner institutions – IBANs, cards, payroll, crypto, FX – under one dashboard and one KYB process.What Flyfish offers:- IBAN accounts, SEPA, SWIFT, and SEPA Instant (delivered by partner institutions)
- Physical and virtual branded debit cards
- Crypto exchange and payments through regulated partners
- Global payroll services
- Single onboarding for access to multiple providers
Airwallex
5. Airwallex – best for high-volume international FX and e-commerce
Airwallex is a global payments platform headquartered in Singapore, licensed in the Netherlands, UK, Australia, Singapore, Hong Kong, US, Lithuania, and several other jurisdictions. Founded in 2015 and backed by Tencent, Airwallex serves over 150,000 businesses.What Airwallex offers:- Global Accounts with local bank details in 20+ currencies
- FX at 0.5% above interbank for major currencies (1% for others)
- Virtual and physical cards with multi-currency spend
- Payment gateway for e-commerce (Shopify, WooCommerce, Magento)
- Batch payments across 120+ countries
- Developer API and embedded finance tools
- Explore: $0/month if you deposit $5,000+/month or hold $10,000+ balance. Otherwise: $29/month.
- Grow: $99/month (expense management, bill pay, 50 company cards)
- Accelerate: custom (enterprise, dedicated account manager)
Narvi Payments: An All-in-one Payment Solution for Businesses of all Sizes
Narvi Payments is a Finland-regulated Electronic Money Institution (EMI). As a good alternative to owning a Wise account, it offers an advanced integrated banking solution for businesses, including small and medium enterprises (SMEs), seeking efficient payment handling with local and international clients.It’s fast becoming the preferred option for companies that want seamless, cross-border financial operations. With Narvi, customers can enjoy transparent, customized services and a regulated environment.The onboarding process is designed to streamline the business account setup. Customers can open a dedicated IBAN (International Bank Account Number) in just a few steps, facilitating SEPA payments across Europe and SWIFT payments globally. Thanks to its robust regulatory backing and user-friendly infrastructure, businesses can enjoy flexible payment options without compromising compliance.)
How Narvi Payments Differs from Wise and RevolutUnlike Wise and Revolut, which primarily cater to individuals and small businesses looking for lightweight payment solutions, Narvi is explicitly built for SMEs that require more advanced features. These include IBAN accounts, SEPA and SWIFT payments, and OTC crypto transfers.Another significant perk is that it’s regulated by Finland'd Financial Supervisory Authority (FIN-FSA). Narvi has a robust customer verification (KYC) process. This adds credibility and security for businesses worried about compliance in the highly regulated space.Finally, Narvi’s fee structure is tailored to the company’s needs and service usage, unlike Wise and Revolut’s standard fee systems. This signals that instead of rejecting a high-risk company right away because of their industry or country of incorporation, Narvi may first ask additional questions and potentially offer tailored pricing to reflect the risk and the nature of operations.Narvi Payments is the right fit when:
- A business needs a euro IBAN in a trusted country like Finland.
- A company handles European or international payments and also wants to avoid the limitations or higher costs.
- An SME requires a tailored, flexible banking solution that adapts to evolving needs.
- Robust KYC processes and adherence to compliance are non-negotiable, particularly in regulated industries.
Narvi Payments Pricing Narvi caters to four types of businesses:
- European Startups: These are incorporated within the European Economic Area (EEA), with resident directors operating low-risk business models.
- International Companies: These firms are found in countries outside the EEA or may have directors outside it.
- Medium Risk: Firms that Narvi's compliance team investigates deeper in order to determine whether they can be onboarded.
- Enterprizes: Businesses with unique, complex operations that don't fit into other categories.
Narvi Payments Pros1. Dedicated IBAN Accounts
Narvi provides unique Finnish IBANs for businesses across the world. These offer credibility and ease of cross-border payments, especially in regions where certain countries’ IBANs may face discrimination or restrictions.2. Transparent Pricing
Narvi doesn’t have a standard monthly fee with a set number of wire transfers included per month. Its pricing is customized based on organizations' needs and transaction volumes. Thus, companies can pay for their required services without overpaying or incurring extra costs.3. Global Payment Reach
Narvi supports instant SEPA and SWIFT payments, allowing customers to send money within Europe and worldwide. Thus, businesses can scale their operations quickly without worrying about the limitations associated with local banking systems.4. Customizable Platform
Narvi’s API-driven platform allows for flexible customization so that businesses can integrate banking with their payroll, expense claim, and accounting software. The integrations save time by allowing the CFOs to manage payments without logging into the bank account.5. Multiple IBANs per Entity
Most companies need a few separate accounts under one entity to separate funds for different purposes: security deposit storage, client funds, operational funds, etc. Traditional banks won't always open more than one IBAN, especially for a high-risk industry business — but with Narvi, that's easily solved.6. Fully Digital Onboarding
To apply for a business account at Narvi, a business owner needs to fill in an application (create account and answer KYC) online. No visits or meetings in Narvi's office, no mandatory online meetings with sales. However, many of Narvi's existing clients found it helpful to have a short call with the sales team before onboarding to verify whether Narvi would be a good fit for their business.7. Robust Security
Narvi develops the core technology on their platform in-house and pays a heightened attention to security measures. Various two-factor authentication (2FA) methods including hardware devices and multi-user features are just some of the measures that help clients protect their accounts.Narvi Payment Cons1. Limited Individual Services
This platform is designed with businesses in mind. It's not tailored to individuals but rather to business owners who withdraw and use their earnings from their companies.2. Tailored Pricing
While Narvi’s flexible pricing model can be a huge perk for some companies, it may not appeal to those who prefer structured monthly costs. Businesses need to go through the onboarding process to know their exact pricing offer.User ExperienceNarvi Payments delivers a smooth, fast, and simple business banking experience. Its fully digital onboarding can be completed in 10 minutes, and the team approves accounts and payments as fast as possible — aiming to do so within a few days. The dashboard is clean and intuitive, making it easy to manage international money transfers and oversee multiple companies all in one place.Narvi is a startup with a small team that opted not to maintain a review platform like Trustpilot. One reason is that financial institutions have an obligation to screen all account applications and payments to follow the anti-money laundering regulations. However, if a user's application was rejected or their account was closed due to the AML procedures, they may leave a one-star review which, arguably, doesn't reflect actual user experience with this service.Find Your Use Case & Book a Demo
Narvi provides unique Finnish IBANs for businesses across the world. These offer credibility and ease of cross-border payments, especially in regions where certain countries’ IBANs may face discrimination or restrictions.2. Transparent Pricing
Narvi doesn’t have a standard monthly fee with a set number of wire transfers included per month. Its pricing is customized based on organizations' needs and transaction volumes. Thus, companies can pay for their required services without overpaying or incurring extra costs.3. Global Payment Reach
Narvi supports instant SEPA and SWIFT payments, allowing customers to send money within Europe and worldwide. Thus, businesses can scale their operations quickly without worrying about the limitations associated with local banking systems.4. Customizable Platform
Narvi’s API-driven platform allows for flexible customization so that businesses can integrate banking with their payroll, expense claim, and accounting software. The integrations save time by allowing the CFOs to manage payments without logging into the bank account.5. Multiple IBANs per Entity
Most companies need a few separate accounts under one entity to separate funds for different purposes: security deposit storage, client funds, operational funds, etc. Traditional banks won't always open more than one IBAN, especially for a high-risk industry business — but with Narvi, that's easily solved.6. Fully Digital Onboarding
To apply for a business account at Narvi, a business owner needs to fill in an application (create account and answer KYC) online. No visits or meetings in Narvi's office, no mandatory online meetings with sales. However, many of Narvi's existing clients found it helpful to have a short call with the sales team before onboarding to verify whether Narvi would be a good fit for their business.7. Robust Security
Narvi develops the core technology on their platform in-house and pays a heightened attention to security measures. Various two-factor authentication (2FA) methods including hardware devices and multi-user features are just some of the measures that help clients protect their accounts.Narvi Payment Cons1. Limited Individual Services
This platform is designed with businesses in mind. It's not tailored to individuals but rather to business owners who withdraw and use their earnings from their companies.2. Tailored Pricing
While Narvi’s flexible pricing model can be a huge perk for some companies, it may not appeal to those who prefer structured monthly costs. Businesses need to go through the onboarding process to know their exact pricing offer.User ExperienceNarvi Payments delivers a smooth, fast, and simple business banking experience. Its fully digital onboarding can be completed in 10 minutes, and the team approves accounts and payments as fast as possible — aiming to do so within a few days. The dashboard is clean and intuitive, making it easy to manage international money transfers and oversee multiple companies all in one place.Narvi is a startup with a small team that opted not to maintain a review platform like Trustpilot. One reason is that financial institutions have an obligation to screen all account applications and payments to follow the anti-money laundering regulations. However, if a user's application was rejected or their account was closed due to the AML procedures, they may leave a one-star review which, arguably, doesn't reflect actual user experience with this service.Find Your Use Case & Book a Demo
Holvi
Holvi: An Online Digital Banking Service With Invoicing and Expense Tracking
Holvi is a European business banking solution for freelancers, growing small businesses, and SMEs. It combines business accounts, cards, payments and financial tools in one digital service.This platform is also regulated by the Finnish Financial Supervisory Authority (FIN-FSA). Thus, small businesses can access features such as a business IBAN, expense management, and receipt scanning. The goal? To make managing a small business’ finances more efficient.How Holvi Stands Out from Wise and RevolutUnlike Wise, which specializes in international wire transfers, Holvi focuses on small business needs. Holvi integrates with accounting tools and provides export features, but it does not replace a full accounting system.While Revolut provides more general banking services with more features, Holvi keeps things simple. It allows businesses to have their banking and bookkeeping needs in one place without needing external accounting software.In practice, some limited companies open a Holvi account to use more payment cards than what their main bank is willing to issue.Holvi PricingHolvi offers several pricing tiers, starting from a free tier, depending on the country and specific market. Each tier includes a set number of wire transfers and other services — extras cost extra:- Vault Flex 0 €/month
- Vault Business €50/month
- Holvi Association Flex 0 €/month
- Holvi Association Pro 15 €/month
Holvi offers a suite of financial tools that include invoicing, expense tracking, and bookkeeping. This enables small businesses to handle everything on one platform rather than juggling multiple apps. It also supports currency payments in 18 different currencies, enabling cross-border transactions and international expansion.2. Regulated and Secure
FIN-FSA regulates the platform and operates under strict security measures, including SSL encryption and two-factor authentication. These ensure increased security for business funds and sensitive financial data.3. User-friendly Interface
Holvi offers a smooth experience thanks to its intuitive dashboard and clean mobile app. Users can track expenses, attach receipts, and create invoices with minimal hassle.4. Detailed Reporting
Its reporting tools provide instant insights into a business’s performance, allowing you to monitor your finances and budget more effectively.Cons1. Higher Fees for Advanced Features
Holvi’s advanced banking features incur a higher monthly cost. These fees can quickly add up for small companies that may not require all the options.2. Limited International Focus
Holvi is mainly available to businesses in Finland and DACH. If you want to expand operations across Europe, your support options may be limited. User Experience Holvi offers a streamlined business banking solution for startups and small enterprises. Its intuitive mobile app and web interface support efficient management of bank accounts, payments, and euro money transfers.Integrated debit cards with transparent fees enable low-cost transactions. Holvi is a solid alternative to traditional banks for those operating only in the eurozone. Customer support is responsive, ensuring smooth operations for businesses handling international payments.Holvi says they transform how freelancers and small business owners handle their finances. With a 4.2-star review from 2,000+ users on Trustpilot, clients talk about its simplicity. Opening an account is a breeze, thanks to an onboarding process that involves a quick video call.
3s.money
3s.money: A NeoBank That Makes International Transactions Easy
3s.money is a UK-regulated EMI designed specifically for SMEs. It aims to provide such firms with essential financial tools that streamline international operations. Despite being a relatively new player in the fintech space, this Holvi alternative is reputable for its robust services and personalized approach.Here are the core services it provides to simplify customers’ financial operations:- Business accounts with IBANs: This feature allows companies to operate seamlessly within the EU by offering local accounts that support international money transfers.
- Debit and credit cards: Currently doesn't have card solutions to complement its business accounts.
- Accounting software integrations: SMEs can connect their business accounts to popular accounting software for easy expense tracking, transaction automation, and efficient financial record keeping. However, the extent of integrations is not fully detailed on their official site.
- Multi-currency transactions: As one of the top multi-currency business account alternatives, it allows SMEs to conduct payments in over 40 currencies. This ensures smooth global operations without the headache of constantly managing currency exchange conversions.
- Key regulatory support: As a registered neobank under the UK's Financial Conduct Authority (FCA), with licensing in Luxembourg and the Netherlands, 3s.money operates under strict compliance standards.
- Businesses that require global financial solutions and want to avoid the red tape often associated with traditional banks.
- Companies in the importing and exporting, e-commerce, and manufacturing industries.
- SMEs looking to scale internationally without the hassle of high fees or complicated processes.
- Businesses that prioritize personalized customer service. 3s.money assigns each account to a personal account manager so that they can receive needed support.
- Starter: $25/month. It includes customer service in 12 languages and access to SWIFT, SEPA, and faster payment networks.
- Standard: $100/month. It includes two account users & a personal manager.
- Enterprise: $300/month. Up to five account users.
- Enterprise Plus: Bespoke/month. Businesses receive 71% savings on transaction fees, API integrations, and ten account users.
It supports various industries, including corporate and fund administrators, agriculture, IT, e-commerce, travel, construction, and luxury goods. This versatility makes it an excellent fit for companies with these operations. 2. Advanced Security
It boasts industry-grade security measures. These include biometric authentication, two-factor authentication (2FA), and real-time fraud detection systems to protect against potential cyber threats and fraudulent activities.Cons of 3S.money1. No Support for High-risk Industries
Despite what some market actors say, according to the FAQ, 3s.money doesn’t onboard high-risk sectors such as cryptocurrency, gambling, and adult services. So, if your business is in these industries, you’ll need to explore alternative banking solutions or a gaming banking alternative.2. Account Maintenance Requirements
It requires businesses to maintain a minimum account balance before fully accessing its solutions. This can be a deal breaker for small firms or startups with limited financial resources.3. Lack of Business Cards
The platform doesn’t offer business cards. This can be inconvenient for businesses that rely on card-based expenses for their daily operations.User Experience3s.money is a well-rated fintech platform on Trustpilot designed for businesses handling transactions to a destination country. Its onboarding process is user‑friendly, enabling efficient management of bank accounts and payments. However, some reviews note abrupt account closures, high monthly fees, and delays in customer support responses. Complaints include unclear transfer fees and difficulties resolving issues related to international transfers. Although 3s.money offers competitive exchange rates and low fees for money transfers, businesses should evaluate its reliability as a Revolut alternative before using it.
Flyfish
5. Flyfish: A Unique Banking Service with Streamlined Financial Tools
Flyfish offers compelling banking solutions for businesses needing dedicated IBANs and a robust platform to manage corporate finances. Registered under the laws of Cyprus, it takes a streamlined approach to business banking and focuses on efficient financial management tools. Flyfish is not a licensed financial institution. Instead, it partners with licensed financial institutions to provide services.The platform’s strengths lie in expense management and automated payroll, making it a good alternative for those looking to streamline their financial operations within the Eurozone.How Flyfish Differs from Wise and RevolutFlyfish distinguishes itself from Wise and Revolut with its specialized focus on Euro IBANs. It provides a more niche service with an emphasis on Euro transactions.Flyfish PricingFlyfish offers a simple user account. Limited pricing information on the website indicates that one needs to request it from customer support or discover service fees after onboarding.Flyfish Pros1. Dedicated Euro IBANsFlyfish provides businesses with Euro-specific IBANs, which makes it ideal for operating only within the Eurozone.2. Streamlined Expense Management
The platform allows organizations to monitor expenses in real-time and set spending limits on corporate debit cards for enhanced budget control.3. Automated Payroll
Flyfish automates employee payments for companies. This ensures timely and error-free salary disbursements, thereby boosting overall productivity. However, details on full automation and integration with payroll software are limited.Flyfish Cons1. Limited Currency Support
It focuses on Euro transactions and doesn’t support many foreign currencies.2. Regulatory Framework
Since the company is registered in Cyprus and is not a licensed financial institution, it might not offer the same level of scrutiny as competitors, which may increase the chance of discrimination against Flyfish-issued IBANs.User ExperienceFlyfish offers a dedicated business IBAN service for efficient money transfers and international payments. Its streamlined sign‑up process and rapid account approval support bank transfers and international money transfers across multiple currencies. However, customer reviews are mixed, with some businesses reporting delays in fund transfers and occasional compliance-related account freezes.Integrated virtual cards and debit cards enable low fees and competitive exchange rates for currency conversion. The mobile app and web interface simplify financial management, making Flyfish a viable alternative to traditional banks.
Finom
6. Finom – best for SME banking with invoicing and cashback in Western Europe
Finom is an EMI licensed by the Dutch Central Bank (De Nederlandsche Bank, DNB) and passported across the EU/EEA. Finom also partners with Solaris SE in Germany, providing deposit protection up to €100,000 under the German FGDR scheme. The company has raised over €345 million (including a €115 million Series C in 2025) and serves 200,000+ businesses.What Finom offers:- German or French IBAN depending on registration country
- Physical and virtual debit cards with up to 3% cashback
- SEPA (including Instant) free within volume limits
- International payments to 150+ countries in 17+ currencies at €5 flat + 0.4% of outgoing volume
- Invoicing, receipt scanning, and expense management
- Accounting integrations: DATEV, Lexware, Sorted
- Solo Free: €0/month (limited)
- Solo paid tiers: €7–€14/month
- Team plans: up to ~€34/month
Qonto
7. Qonto – largest European business finance platform by customer count
Qonto (entity name: Olinda SAS) is a payment institution supervised by France's ACPR (Autorité de Contrôle Prudentiel et de Résolution). Qonto serves 600,000+ businesses across eight EU markets. In July 2025, Qonto filed for a full banking licence with ACPR – if granted, lending and savings products would follow.What Qonto offers:- Local IBANs in France, Germany, Italy, and Spain
- Physical and virtual Mastercard cards (One, Plus, Metal X)
- SEPA Instant and standard SEPA; SWIFT available
- 25 currencies for international payments
- Invoicing, receipt matching, accountant access
- 2,000+ third-party integrations
- Remunerated balances (up to 4% promotional, then up to 2%)
- Expense management with approval workflows
- Solo Basic: €9/month → Solo Premium: €39/month
- Team Essential: €49/month → Team Enterprise: €199/month
Payoneer
8. Payoneer – best for marketplace payouts and freelancer collections
Payoneer is a publicly traded company (NASDAQ: PAYO) operating as an EMI in the EU through Payoneer Europe Limited, registered in Ireland. Payoneer serves millions of users in 200+ countries, with a focus on marketplace payouts (Amazon, Fiverr, Upwork) and cross-border freelancer payments.What Payoneer offers:- Multi-currency receiving accounts in USD, EUR, GBP, JPY, AUD, and others
- Direct integrations with Amazon, eBay, Fiverr, Upwork, and other marketplaces
- Physical Mastercard and virtual cards
- SEPA and SWIFT payments (SEPA Instant referenced on EU marketing materials but not confirmed as universal)
- Working capital advances for eligible sellers
- No monthly fee
- Marketplace payouts: free to receive
- Withdrawal to bank: 0.3–2% depending on volume
- FX markup: ~0.5%
How should you choose between these Wise and Revolut alternatives?
Pick based on your primary use case:- Dedicated IBAN + SEPA + SWIFT + compliance support for regulated verticals → Narvi, 3S Money
- Banking + invoicing + bookkeeping for small teams → Holvi, Finom, Qonto
- High-volume international FX and e-commerce gateway → Airwallex, 3S Money
- Marketplace payouts and freelancer collections → Payoneer
- Single KYB for multiple services (accepting the marketplace trade-off) → Flyfish
- Does the provider hold its own licence, or does it operate through partners? EMIs and payment institutions have different regulatory obligations.
- Will you get a dedicated IBAN in your company's name, or a shared/pooled account?
- What are the real costs, including FX markup, receiving fees, and conditional thresholds for "free" tiers?
- Does the provider accept your industry? Crypto, gaming, and high-risk e-commerce businesses are declined by most providers in this list.
- What support will you get? A named account manager, or a chatbot?
Frequently asked questions about Wise and Revolut alternatives
Finom and Holvi both offer €0 entry-tier plans with basic SEPA functionality. Payoneer charges no monthly fee. But cheap plans come with volume limits and per-transfer fees that erode the saving. A mid-tier plan at €9–€15/month with included SEPA transfers is often cheaper overall for active businesses. Compare Narvi's pricing →
Yes. Narvi provides dedicated IBAN accounts, SEPA Instant, and SWIFT payments for businesses across the EEA. Narvi also offers dedicated account management and accepts verticals that Revolut Business declines, including crypto, fintech, and e-commerce.
Holvi, Finom, and Qonto include SEPA transfers in their monthly subscriptions up to a volume cap. Narvi offers competitive SEPA pricing including Instant. Total cost depends on your monthly volume: a provider with a higher subscription but zero per-transfer fees may cost less than a €0 plan charging €0.25 per transfer.
Estonian e-residency companies need an EEA-based provider that accepts non-resident structures. Narvi, Holvi, and 3S Money all serve non-resident EU businesses. Narvi's compliance team has onboarded e-residency companies since launch and provides dedicated support throughout the KYB process.
Wise is a currency exchange and transfer service. Narvi is a licensed EMI providing full business accounts with dedicated IBANs, SEPA (including Instant), and SWIFT. For businesses that need a primary operating account with payment infrastructure, not just an FX tool, Narvi covers more ground.
Narvi Payments Oy is a licensed electronic money institution (EMI) regulated by the Finnish Financial Supervisory Authority (FIN-FSA). The FIN-FSA licence allows Narvi to issue electronic money and provide payment services across the European Economic Area under the EU passporting framework.
Under EU law (Electronic Money Directive 2, EMD2), EMIs must safeguard 100% of client funds in segregated accounts at established credit institutions. These funds are kept separate from the EMI's operating capital and cannot be used for lending or investment. If an EMI ceases operations, client funds are returned from those segregated accounts.
An EMI (electronic money institution) is licensed to issue electronic money and provide payment services. A bank is licensed to accept deposits and extend credit (loans, mortgages). Banks can lend your deposits and are covered by deposit insurance (up to €100,000 in the EU under DGSD). EMIs cannot lend client funds – they must safeguard 100% of balances in segregated accounts. Both are regulated, but under different EU frameworks (EMD2 vs CRD).
Ready to switch from Wise or Revolut?Narvi provides dedicated IBAN accounts, SEPA Instant, SWIFT connectivity, and named account management for businesses across the EEA – including verticals that consumer fintechs decline. 3,000+ companies already made the switch.
N26: A Digital Bank with Global-Friendly Features
N26 is a Germany-based digital bank that has become a key player in modern finance since 2013. Headquartered in Berlin, it started by focusing on consumer accounts in Europe and now caters to over 7 million customers globally. Even though N26's individual banking services are well-developed, features for corporates leave something to be desired.This neobank operates entirely online and offers several features that make it a noteworthy banking platform for freelancers. How N26 Differs From Wise and RevolutN26 is consumer- and sole trader-focused. Rather than companies or international travelers, its audiences are everyday users looking for a straightforward mobile banking experience.Compared to the leading players, N26’s interface feels more traditional. It’s reminiscent of “old-school” banking, so if you’re looking for a fluid and innovative UX, this platform may be a letdown.Overall, N26 is ideal for:- Customers looking for an easy-to-use, no-fuss digital banking experience.
- Clients who want to manage everyday finances and track spending without monthly fees,
- Users in Europe who don’t need extra banking features like loans, investment products, or international business solutions.
- Standard: Virtual card, €0.00/month
- Smart: Physical card, €4.90/month
- You: Physical card, €9.90/month
- Metal: Metal card, €16.90/month
One of the significant draws of N26 is its fee-free structure. Opening and maintaining the most basic business account comes without monthly charges, which is attractive to users on a budget.2. Free ATM Withdrawals
Free ATM withdrawals are within the Eurozone, with limits based on the pricing tier. Customers outside the Eurozone may face foreign exchange fees and withdrawal charges.3. In-app Spending Analytics
N26’s app includes built-in spending analytics, categorizing transactions and giving users insights into their finances.N26 Cons1. Limited Business Features
Unlike the competition, N26 has limited features for business users and focuses on freelancer and personal accounts. This leaves even small business owners to look elsewhere for a broader range of comprehensive services.2. No Credit Cards or Loans
N26 doesn’t offer credit cards, certificates of deposit (CDs), or money market accounts, making it less versatile for users looking to centralize their banking in one place. Loans and interest-earning savings accounts are available only in limited regions.User ExperienceN26 offers free ATM withdrawals, an option of no monthly fees, and everything is 100% online and in English — perfect for expats and frequent travelers. The mobile app is easy to use and offers push notifications for transactions. Its Mastercard option has competitive exchange rates with no currency conversion fees (note that the user might face these when using ATMs abroad). Signing up takes just 10 minutes, and there’s no need for a German address registration, making it super convenient.However, some reviews report abrupt account closures that disrupt payments and international transactions. Delays in customer support and unclear explanations about transfer fees raise concerns. While N26 is often compared with Revolut and Wise, businesses should evaluate its reliability as a digital alternative before adopting it for essential financial services.
Airwallex
Airwallex is one of the alternatives to traditional banks that simplifies international payments for companies of all sizes. It enables businesses to hold funds, manage multiple currencies, and send and receive payments across 200 countries. How Airwallex Differs From Wise and RevolutLike Narvi, Airwallex focuses on comprehensive financial services for business accounts. It delivers transparent fees, low transfer fees, and low FX conversion costs — often just 0.5% above interbank rates for major currencies. This makes it an attractive option for international transactions.Overall, Airwallex is ideal for:- Businesses managing cross-border payments.
- Companies looking for cost-effective FX solutions.
- Startups and enterprises needing API-driven financial automation.
- Teams requiring expense management tools.
- Explore: 0 or 19 eur per month (zero fees, if you deposit and hold 10k eur)
- Grow: 49 eur per month
- Accelerate: 999 eur per month
- Custom pricing for high-volume businesses and custom API implementations
- Free multi-currency business accounts
- Competitive FX rates for international transactions
- Corporate debit cards
- Small businesses can explore the free account option
- No personal accounts, strictly for business use
- Higher card payment processing fees compared to some competitors
- SWIFT transfers can incur additional costs (€10–€20 per transaction)
- Limited physical banking services (cash deposits not supported)
Vivid Money
Vivid Money is another German-based mobile banking platform launched in 2020. It offers innovative features like cashback rewards and commission-free investing in stocks, ETFs, and cryptocurrencies. The platform aims to compete with traditional banks and Neobanks like Revolut and N26. How Vivid Differs From Wise and RevolutUnlike Wise, which focuses on low-cost international money transfers, and Revolut, which blends banking with advanced financial tools, Vivid Money prioritizes cashback incentives for self-employed individuals and freelancers. Vivid Business accounts are not yet available for SMEs or larger corporations.Vivid offers up to 25% cash back on some purchases. Users can also create multiple sub-accounts with unique IBANs to improve their financial management.Overall, Vivid Money is ideal for:- Digital-savvy users seeking a mobile-first banking experience.
- Frequent travelers who want low-cost currency exchanges.
- Entrepreneurs who benefit from business expense cashback rewards.
- Start (Free)
- Basic (€7/month + VAT)
- Pro (€19/month + VAT)
- Quick, paperless account setup
- Freelancers and solopreneurs can send invoices directly from Vivid
- No SCHUFA credit check required
- Free standard account with useful features
- Multiple sub-accounts with individual IBANs
- No overdraft or credit line is available
- Free ATM withdrawals have limits
- Cash deposits are not supported
Frequently Asked Questions (FAQs)
While Revolut and Wise are popular for handling international transfers and digital banking, they may not tick every client’s box. Some users may seek lower fees or more flexible payment options that are not found in those brands. In such cases, alternatives become better suited to provide the right solutions.
It depends on your needs. If competitive fees, personalized support, or broader regional coverage matter to you, business bank account alternatives like Narvi or N26 may be a better fit. Narvi emphasizes a more business-centric approach with clear costs and flexibility for multi-currency accounts, while solutions like Holvi or Vivid integrate banking with freelance invoicing.
Focus on transparent pricing, fast transfers, wide coverage (across the EU or globally), a solid financial institution license, and reliable customer support.
Narvi offers several features to businesses. Its fees are competitive, especially for high-frequency users. It boasts various payment options for domestic and international transfers, giving clients flexibility in every transaction. The platform is also designed to cater to both individual users and businesses.
Narvi offers a business-focused European alternative to Revolut and Wise with transparent pricing, competitive fees, and flexible payment options. It's ideal for some users who seek lower fees and tailored payments solutions.
Wise vs Revolut: What Services Do They Offer?
Wise (formerly TransferWise) offers an easy-to-use platform for people to send money to a preferred destination country with its low transfer fees and transparent exchange rates. Here are a few standouts of a Wise account:- Wise is a digital wallet and doesn't issue a proper dedicated bank account.
- It provides users with the mid-market rate. Thus, you can send, receive, hold, and convert money in over 40 currencies across 150 countries.
- It offers a multi-currency account that allows individuals to hold nine different currencies, including GBP, EUR, and USD.
- Wise issues a debit card (The Wise card), which allows clients to spend in the local currency of their current region. This Wise card helps them avoid the hefty conversion fees that traditional banks charge.
- Users can access a personal and business Revolut account that allows cryptocurrency trading.
- It offers a tiered account system, with customers able to choose from a free standard account to a high-end ultra account (coupled with a Revolut card).
- Its mobile app provides advanced budgeting tools for individuals and organizations.
- A Revolut account supports 80+ currencies for money transfers and offers fee-free transfers within a set limit for lower-tier accounts.
Update on Intergiro: What the License Revocation Means for Businesses
Recently, Intergiro, a Swedish digital bank and a Wise-Revolut competitor, had its Electronic Money Institution (EMI) license revoked by the Swedish Financial Supervisory Authority due to serious deficiencies in anti-money laundering (AML) and counter-terrorist financing (CTF) controls. The regulator found significant gaps in Intergiro’s risk assessments, customer due diligence, and reporting of suspicious transactions, which posed a high risk of criminal exploitation. Intergiro must wind down its operations by September 19, 2025, and is no longer onboarding new clients. Until September, existing clients may essentially only withdraw funds.For businesses that relied on Intergiro’s services, this development may cause operational disruptions, including potential account freezes and delays in payments, especially cross-border transactions. It also raises reputational risks for companies connected to a provider flagged by regulators.How Narvi ComparesAt Narvi Payments, we emphasize robust compliance and regulatory standards as foundational to our operations. As a licensed Finnish EMI with strong AML/CTF controls, we prioritize secure and transparent banking services tailored for digital businesses and SMEs. Unlike Intergiro’s challenges, our fully in-house developed core banking technology and API-first approach enable us to offer not only flexibility and speed but also reliable compliance and personalized customer support.For businesses seeking a stable, compliant, and innovative alternative in the European digital banking landscape, Narvi Payments offers a trusted solution designed to minimize risk while supporting international growth.Apply for a Narvi account
Published June 12, 2025, updated March 31, 2026Disclaimer: This Is Not Financial Advice
The content of this article is not intended to serve as financial counsel. Make sure to conduct thorough personal research and, when possible, seek guidance from a licensed financial consultant.Authors:
The content of this article is not intended to serve as financial counsel. Make sure to conduct thorough personal research and, when possible, seek guidance from a licensed financial consultant.Authors:
- Ayomide Adeleye, a writer with a strong focus on finance and technology who contributes to Narvi on the topics of igaming, cryptocurrency, and banking services.
- Valeriya Kushchuk, now Narvi's Digital Marketing Manager, previously a business reporter and marketer in the crypto space.
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