Business banking for SMBs that traditional banks overlook

Dedicated euro IBANs, SEPA and Swift payments, and multi-currency accounts for cross-border SMBs, remote-first companies, and digital businesses across the EEA.

The problem

Your business is legitimate. Your bank doesn't see it that way.

Traditional banks were built around a profile that fewer and fewer SMBs match: local employees, office and clients, and a single shareholder with easily verifiable income. If your team is split across three countries, your clients are in a fourth, and your tax residency is in a fifth, you're not a default fit. Compliance teams take one look and decide the verification work isn't worth it.The consumer-grade fintechs that filled the gap, Revolut, Wise, N26, and others, work fine for a freelancer with simple flows. But they publish long lists of industries they won't serve: dropshipping, marketplaces, dating, anything crypto-adjacent. Rejection compounds: KYC flags travel between providers, narrowing your options with every refusal.Meanwhile, you've got invoices to send, contractors to pay, and clients waiting for an account number.

The solution

Nordic-licensed EMI built for cross-border SMBs

Narvi is a Finnish-licensed Electronic Money Institution regulated by FIN-FSA. We onboard the kinds of SMBs that traditional banks and consumer fintechs typically turn away: cross-border consultancies, remote agencies, e-commerce operators, B2B service providers, digital businesses with shareholders in different countries, and e-residents running Estonian OÜs.We hold our own EMI license, passported across the whole EEA. Our risk decisions are ours, not delegated to an upstream bank that could exit your sector tomorrow without warning.Open account

Three things that matter to your business

Dedicated IBANsEvery Narvi account comes with a unique IBAN under your company name. Narvi issues its own IBANs under its BIC/SWIFT identifier. Your funds are fully segregated, and your company name appears on all payments. Tax authorities and larger counterparties don't flag your incoming payments as higher-risk pooled flows.

SEPA and SWIFT from the same accountSend and receive EUR across 36 SEPA countries with instant transfer support. Reach 180+ countries and 11,000 banks through Swift. Invoice a US client on Tuesday, pay a Singaporean supplier on Wednesday, settle with a UK contractor on Thursday - all from one account.

Two speech bubbles: one with a question mark, the other with a checkmark, symbolizing questions and answers.

Onboarding that understands your setupWe've onboarded solo founders, two-person agencies, and SMBs with shareholders in three jurisdictions. Onboarding is measured in days, not months. We'll tell you upfront whether your business model fits before you submit paperwork. No silent rejections, no compounding KYC flags.

Functionalities

What do you get with a Narvi business account?

Dedicated IBANFull business account in your company name

SEPA paymentsInstant and standard SEPA credit transfers

SWIFT paymentsInternational payments to 180+ countries

Multi-currency walletsHold and transact in EUR, GBP, SEK, USD, and more

Mass payoutsBulk payment processing for B2C disbursements

API accessAutomate payments, reporting, and reconciliation

Get a business account that won't close on you

Open account

Benefits

Different SMBs run different operations. Here's how Narvi's setup maps to yours.

For cross-border consultancies and agencies

Pay distributed contractors the same day. SEPA Instant lands a Friday afternoon payment in seconds, not waiting for Monday morning.

One account for clients in many regions. SEPA for the EU, SWIFT and multi-currency wallets for the whole world.

Multi-user access with specific roles and levels. Your accountant sees what they need. Your ops lead sees what they need. No shared logins, no audit-trail gaps.

For e-commerce and marketplace sellers

We don’t block non-standard e-commerce. Dropshipping, Amazon FBA, and multi-channel retail are real businesses, and we treat them that way: standard onboarding, not a policy refusal.

Multi-currency wallets for marketplace payouts. Hold EUR, GBP, USD, and SEK and convert when the rate suits you.

Hot shopping season doesn’t trigger a freeze. A 5x throughput jump in Q4 is what we expect from e-commerce, not a red flag. Payouts keep moving through Black Friday, Christmas, and January sales with no need for manual reviews.

For SaaS and digital service businesses

Embed banking into your product. Use Narvi's Banking-as-a-Service to issue accounts, IBANs, and payments to your own users under our EMI license.

Issue a unique IBAN per customer. Generate virtual IBANs through the API so each enterprise subscriber's SEPA payment maps to the right account in your billing system automatically.

For e-resident founders and remote-first SMBs

Onboarding that recognises non-resident shareholders. No need to prove a local office, employees, or clients. We onboard founders directly, with shareholders anywhere from Brazil to Nigeria to Ukraine.

Dedicated euro IBAN under your company name. When a client pays your invoice, their bank shows your company as the recipient, not a pooled account - fewer failed payments, faster settlement.

Dedicated compliance contact. When a payment is held or a counterparty needs verification, you reach a person who knows you and your history.

Ready to skip the banking bottleneck?If you're a cross-border consultancy, a remote-first agency, or an e-resident opening your first company, talk to our team, and we'll scope the right setup for you.Talk to us

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.

Built and regulated in Finland

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