8 best Wise alternatives and Revolut Business alternatives in the EU

Narvi, Holvi, 3S Money, Flyfish, Airwallex, Finom, Qonto and Payoneer compared on licences, IBANs, FX and fees, and the businesses they accept. Pricing checked October 2026.

The best Wise alternatives for EU businesses in 2026 are Narvi, Holvi, 3S Money, Flyfish, Airwallex, Finom, Qonto and Payoneer. Each suits a different kind of company. Narvi and 3S Money give you dedicated IBANs with SWIFT and SEPA payments. Holvi, Finom and Qonto bundle a business account with invoicing and bookkeeping for freelancers and SMEs. Airwallex handles high-volume FX, and Payoneer collects marketplace payouts.Wise and Revolut work well for basic transfers and simple business accounts. Companies start looking for alternatives to Wise when they need an IBAN in their own company name, SWIFT payments beyond the major currencies, compliance support for a regulated industry, or a provider that accepts crypto, gaming or high-risk e-commerce. The same needs drive the search for Revolut Business alternatives.Pricing and features checked October 2026. Check each provider's website before you sign up.Best Wise alternatives at a glance: key features compared

Provider	Licence	Best for	Accounts	Main limitation
Narvi	EMI, FIN-FSA (Finland)	Crypto, fintech, PSPs and cross-border e-commerce	Dedicated Finnish IBAN, SEPA Instant, SWIFT	Custom pricing, quoted after onboarding
Holvi	Payment institution, FIN-FSA (Finland)	Freelancers and micro-businesses in Finland and DACH	Finnish IBANs, payments in 18 currencies	Coverage concentrated in Finland and DACH
3S Money	EMI, FCA (UK) and CSSF (Luxembourg)	International trade in 65+ currencies	Local IBANs in the UK, Netherlands, Luxembourg, France and UAE	Fees not shown on the public pricing page
Flyfish	No own licence, works through partner institutions	One onboarding for several financial services	IBANs, cards and crypto through partners	Your protection depends on the partners
Airwallex	EMI licences in the Netherlands, Lithuania, UK and other markets	High-volume FX and e-commerce	Global Account details in 20+ currencies	Explore fee waived only above a €10,000 threshold
Finom	EMI, DNB (Netherlands)	SMEs in seven EU markets	German or French IBAN	No public API, €5 + volume fee per international payment
Qonto	Payment institution, ACPR (France)	Domestic SME finance and accounting	Local IBANs in France, Germany, Italy and Spain	Eight markets only, crypto firms for operating expenses only
Payoneer	EMI, Central Bank of Ireland	Marketplace payouts and freelancer collections	Receiving accounts in 20 currencies	No dedicated IBAN in your company name

Wise Business and Revolut Business: where they fitBoth started with personal accounts and added business products later. Wise Business is built around low-cost international transfers: signing up is free, there's a one-time fee for account details that depends on where your company is registered, and conversions use the mid-market rate with a small conversion fee shown upfront. Wise remains a good fit for sole traders, small businesses and scaling companies that send and receive payments in several major currencies.Revolut Business adds corporate cards, multi-user access, budgeting tools and payment links on a subscription model. In Ireland, plans start at €10 a month (Basic), €35 (Grow) and €125 (Scale), with €1,000, €15,000 and €60,000 of monthly currency exchange at the interbank rate. Above the plan allowance, exchanges carry a 0.6% fee, and weekend exchanges carry a 1% markup on every plan, which matters if you convert outside market hours.Both handle straightforward international transfers well. The gaps appear when a company needs a dedicated IBAN in its own name, local accounts in more markets, payments outside the main corridors, or acceptance of crypto and other high-risk business models, which both providers restrict.The 8 best Wise and Revolut Business alternatives

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 for SEPA payments – not virtual sub-accounts or omnibus pooling. Your company's name, your IBAN, one-to-one. Incoming Swift payments currently arrive through pooled accounts.
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. Under the SCT Inst rules, an instant payment completes within 10 seconds.
SWIFT payments for international transfers outside the SEPA zone.
Accounts for crypto and Web3 companies, with onboarding run by a compliance team that knows the sector. See business accounts for crypto and Web3.
Named account manager and compliance team for every client. No chatbot triage for payment issues.

Narvi pricingCustom, based on business type and volume. See current pricing →Who should use NarviCompanies operating in verticals that other providers refuse – crypto exchanges, DeFi protocols, gaming platforms, PSPs, cross-border e-commerce. Also businesses that need SWIFT payments or API-driven payment infrastructure alongside a dedicated IBAN.Open account

Holvi

2. Holvi – best for freelancers and micro-businesses 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 from €0.50 per transaction plus a 0.5–1% FX markup, depending on plan
Invoicing, VAT calculator and bookkeeping preparation built in, with exports to accounting software
1.5% interest on Holvi Business balances until December 2026, then 1% (Finnish Oy companies only)

Holvi pricing in Finland (monthly)

Flex: €0 (pay-per-use, €0.25/SEPA transfer)
Lite: €9 (100 SEPA transfers included, one-year subscription billed monthly)
Pro: €15 (500 SEPA transfers, one-year subscription billed monthly)
Business: €50 excluding VAT (500 SEPA and 5 SWIFT transfers, 10 IBANs)

Where Holvi falls shortHolvi doesn't publish a developer API or market its accounts to crypto or fintech companies, and its coverage is concentrated in Finland and DACH – businesses across the broader EEA will hit geographic limits.Narvi serves a different market: businesses needing dedicated IBANs with SWIFT payments, API access, and acceptance of verticals Holvi won't touch.Trustpilot: 4.4/5 (about 2,470 reviews, October 2026)

3s Money

3. 3S Money – best for international trade in 65+ currencies

3S Money operates through two EMIs: 3S Money Club Limited, authorised by the FCA (FRN 900918), and 3S Money (Luxembourg) S.A., authorised by the CSSF (W00000016). The Amsterdam office operates via EU passporting from the Luxembourg licence – not a separate Dutch licence. 3S Money also holds a DFSA licence (F007004) for its DIFC branch in Dubai.What 3S Money offers

Multi-currency balances in 65+ currencies
Local currency accounts with IBANs in the UK (GBP), Netherlands (EUR), Luxembourg (EUR) and France (EUR), plus AED accounts in the UAE, so you can open local accounts in multiple markets from one relationship
SEPA and SWIFT payments
Batch payment tools with CSV upload
Business debit cards and a dedicated relationship manager, which suits UK businesses trading with the EU

3S Money pricingTiered monthly plans (Starter, Standard and higher tiers, with Enterprise Plus by quote). Fees aren't shown on the public pricing page, and transaction fees vary by corridor.Where 3S Money falls shortPricing isn't transparent: you get a quote rather than a public fee table, and a monthly subscription can make it expensive for low-volume, early-stage businesses. If you work in a regulated or high-risk sector, check its eligibility list before applying.Trustpilot: 4.5/5 (about 1,031 reviews, October 2026)

Flyfish

4. Flyfish – marketplace model connecting partner institutions

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

Flyfish pricingTiered, but exact fee schedules aren't public. Businesses receive a quote during onboarding based on selected services.Where Flyfish falls shortEvery financial service Flyfish offers runs through a partner institution. Your regulatory protections, fund safeguarding, and complaint escalation rights depend on those partners – not on Flyfish itself. For businesses that want a direct relationship with the licensed entity holding their funds, providers like Narvi (FIN-FSA-regulated IBANs) remove the intermediary.

Airwallex

5. Airwallex – best for high-volume international FX and e-commerce

Airwallex is a global payments platform founded in Melbourne in 2015 and now co-headquartered in San Francisco and Singapore, serving more than 200,000 businesses. In the EEA it operates through Airwallex (Netherlands) B.V., an EMI licensed by DNB, and AWX Lithuania UAB, an EMI licensed by the Bank of Lithuania.What Airwallex offers

Global Accounts with local account details in 20+ currencies
Competitive FX rates: 0.5% above the interbank rate for major currencies (1% for others)
Virtual and physical cards with multi-currency spend
Payment gateway and payment links for e-commerce (Shopify, WooCommerce, Magento)
Batch payments across 120+ countries
Developer API and embedded finance tools to embed payments in your own product

Airwallex pricing

Explore: €19/month, waived if you deposit €10,000 in the month or hold a €10,000 month-end balance
Grow: €49/month
Accelerate: on request. Prices are in EUR excluding VAT, charged per legal entity; SWIFT transfers cost €10–20 each

Where Airwallex falls shortThe waived fee catches out businesses with uneven cash flow: miss the €10,000 threshold in a month and you pay €19. Airwallex doesn't issue dedicated IBANs; you get "Global Account" details instead.Narvi's API offers similar developer connectivity, with dedicated compliance support for crypto and other regulated industries.Trustpilot: 2.8/5 (about 2,584 reviews, October 2026)

Finom

6. Finom – best for SME accounts 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. German IBANs are provided through a partnership with Solaris SE. Finom raised a €115 million Series C in June 2025 and serves over 100,000 businesses.What Finom offers

German or French IBAN depending on registration country
Physical and virtual debit cards with cashback of up to 3% on selected plans
SEPA (including Instant) free within volume limits
International payments in 20 currencies at €5 per payment plus a 0.3–2% volume fee, depending on plan (Germany)
Invoicing, receipt scanning, and expense management
Accounting tools and integrations: DATEV, Lexware, Sorted

Finom pricing (excluding VAT)

Solo: €0/month
Paid plans in Germany: €7 to €249/month on annual billing, or €9 to €339 billed monthly
Prices vary by country, and Finom is renaming its plans

Where Finom falls shortNo public developer API – integrations are limited to pre-built accounting connections and PSD2/Open Banking access. The €5 per-payment fee plus a volume fee adds up fast for high cross-border volumes. Finom is available in seven EU markets (France, Germany, the Netherlands, Belgium, Italy, Spain and Poland), so businesses in the Nordics, the UK or the rest of the EEA can't use it.Trustpilot: 4.8/5 (about 15,144 reviews, October 2026)

Qonto

7. Qonto – largest European business finance platform by customer count

Qonto (Qonto SA) is a payment institution authorised by France's ACPR (Autorité de Contrôle Prudentiel et de Résolution). Qonto serves 600,000+ businesses across eight EU markets. Qonto applied for a French banking licence in July 2025; no decision had been announced by October 2026.What Qonto offers

Local IBANs in France, Germany, Italy, and Spain
Physical and virtual Mastercard corporate cards (One, Plus, Metal X)
SEPA Instant and standard SEPA; SWIFT available
International transfers in 32+ currencies via SWIFT
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 and multi-user access on team plans

Qonto pricing (annual billing, ex VAT)

Solo Basic: €9/month → Solo Premium: €39/month
Team Essential: €49/month → Team Enterprise: €199/month

Where Qonto falls shortOnly eight EU markets (FR, DE, ES, IT, AT, BE, PT, NL). Not in Finland, the UK, or the Nordics. Crypto-asset businesses registered or licensed locally can open an account for operating expenses only, not to hold client funds. The price jump from Solo (€9) to Team Enterprise (€199) is steep. Qonto excels at domestic operations and accounting workflows – it's not built as cross-border payment infrastructure.Narvi offers dedicated IBANs with SEPA Instant across the full EEA, including markets Qonto doesn't serve.Trustpilot: 4.7/5 (about 60,695 reviews, October 2026)

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 sellers (Amazon, Fiverr, Upwork) and cross-border freelancer payments.What Payoneer offers

Receiving accounts to receive payments in 20 currencies, including USD, EUR, GBP, JPY and AUD
Direct integrations with Amazon, eBay, Fiverr, Upwork, and other marketplaces
Physical Mastercard and virtual cards
SEPA and SWIFT payments
Working capital advances for eligible sellers

Payoneer pricing

No monthly fee, but a USD 29.95 annual fee if the account receives under USD 6,000 in 12 months
Marketplace payouts: free to receive
Withdrawal to bank: USD 1.50 in the same country and currency, otherwise 1.2–4%
Moving funds between currency balances: 0.5%; receiving in a non-local currency: 1%

Where Payoneer falls shortPayoneer doesn't issue dedicated IBANs under your company's name – it provides shared receiving account details via partner banks. It's a marketplace collection tool, not a primary business operating account. Businesses that need to send outbound payments, manage payroll, or run treasury operations will hit walls quickly. For EU businesses needing full SEPA infrastructure and a dedicated IBAN, Payoneer works as a complement, not a replacement.

How to choose the right Wise alternative for your business

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

Five questions to ask before signing up:

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 fees and the exchange rate markup, receiving fees, weekend fees, minimum balance rules 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? And if you hold multi-currency balances, can the provider offer forward contracts to manage currency risk?

Frequently asked questions about Wise and Revolut alternatives

Finom and Holvi both offer €0 entry plans with basic SEPA functionality. Payoneer charges no monthly fee, though an annual fee applies to low-volume accounts. But cheap plans come with volume limits and per-transfer fees that erode the saving, so look for transparent pricing across your real payment mix. 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 works with verticals many providers decline, 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'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. Narvi has served 3,000+ companies.

Open account

Sources

Published June 12, 2025, updated October 29, 2026. Provider pricing and licences checked October 29, 2026.Disclaimer: 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:

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.

8 best Wise alternatives and Revolut Business alternatives in the EU

Narvi, Holvi, 3S Money, Flyfish, Airwallex, Finom, Qonto and Payoneer compared on licences, IBANs, FX and fees, and the businesses they accept. Pricing checked October 2026.

1. Narvi – best Wise alternative for crypto, fintech and high-risk businesses

2. Holvi – best for freelancers and micro-businesses in Finland and DACH

3. 3S Money – best for international trade in 65+ currencies

4. Flyfish – marketplace model connecting partner institutions

5. Airwallex – best for high-volume international FX and e-commerce

6. Finom – best for SME accounts with invoicing and cashback in Western Europe

7. Qonto – largest European business finance platform by customer count

8. Payoneer – best for marketplace payouts and freelancer collections

How to choose the right Wise alternative for your business

Frequently asked questions about Wise and Revolut alternatives

What is the cheapest Wise alternative for business?

Can I use Narvi instead of Revolut for my company?

Which provider has the lowest fees for SEPA transfers?

What is the best business account for Estonian e-residency companies?

How does Narvi compare to Wise for international payments?

Is Narvi regulated? Who regulates Narvi?

Is my money safe in an EMI like Narvi?

What is the difference between an EMI and a bank?

Sources

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