IBAN4U alternative for iGaming, crypto and PSP businesses

IBAN4U is the account brand of FinXP, a Malta e-money institution that repositioned as payments infrastructure in September 2026. Narvi is a Finnish e-money institution with dedicated offers for iGaming and crypto businesses. Here's how they compare.

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The short answer. Choose Narvi if you want pricing you can see before you pay anything, a 10-minute online application, and an iGaming offer that's still a named product. Consider FinXP's IBAN4U if you need card issuing or BIN sponsorship, FX payouts to more than 60 currencies, or a payment gateway alongside your account.IBAN4U is the account brand of FinXP Limited, a Malta e-money institution formerly called Paymentworld Europe Ltd. In September 2026 FinXP relaunched its website and repositioned itself as payments infrastructure [18]. Every FinXP fact below comes from FinXP's own pages and help centre as of 21 October 2026, linked at the end.
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Table comparing FinXP IBAN4U and Narvi on licence, account, payment rails, pricing, onboarding, crypto and industries. Details are in the text below.
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At a glance

IBAN4U vs Narvi at a glance

Every FinXP fact below is as stated on FinXP's website and help centre on 21 October 2026. Each number in brackets links to its source; the full list is at the end of the page.Licence
  • FinXP Limited (IBAN4U is its account brand): e-money institution under Malta's Financial Institutions Act, supervised by the Malta Financial Services Authority; company registration C 65783 [1][2][3]
  • Narvi (Narvi Payments Oy Ab): e-money institution, Finnish Financial Supervisory Authority (FIN-FSA), registration 3190214-6, passported across the EEA [19]
Who it serves
  • FinXP: sales-led direct accounts plus Banking-as-a-Service, BIN sponsorship and closed-loop card programmes; non-EU companies accepted [4][5]
  • Narvi: businesses, personal accounts for business owners, Banking-as-a-Service and white label [20][26]
Industry policy
  • FinXP: its site navigation names fintechs, PSPs and banks; digital assets and Web3; marketplaces and platforms; payroll and contractors; and digital commerce. iGaming and FX and brokerage still appear on the application form and About Us page. No prohibited list is published; crypto is assessed case by case [6][7][8][11]
  • Narvi: dedicated offers for iGaming and Web3/crypto businesses; crypto exchanges, payment services and high-risk industries go on a custom enterprise plan [20][21][22]
Account
  • FinXP: dedicated euro IBAN in the company's name, which FinXP describes as "not a pooled or virtual" account. The IBAN country code isn't stated [1][12]
  • Narvi: dedicated IBAN in your company's name, starting with FI, under Narvi's own BIC [23]
Payment rails
  • FinXP: SEPA and SEPA Instant, send and receive, 24/7, with Verification of Payee; no Instant limit published [13]
  • 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 [24]
Pricing
  • FinXP: on request, by industry and volume. Account opening fee EUR 1,500 unless agreed otherwise, charged on approval; the tariff is sent after the account opens [14][15]
  • Narvi: one-time onboarding fee plus three months of monthly fees up front; monthly fee by risk tier; minimum balance of three monthly fees (see pricing) [20]
Onboarding
  • FinXP: enquiry form, background checks, then a full application with human review; for complex businesses, "weeks, not days". Documents include a signed structure chart, a third-party questionnaire and a board resolution [7][16]
  • Narvi: 10-minute online application, then a compliance review and a priced offer [20]
Crypto
  • FinXP: crypto businesses assessed case by case; no crypto services in the account [11]
  • Narvi: crypto OTC desk converts crypto to fiat and pays it into your account; IBANs hold fiat only [25]
API, cards and extras
  • FinXP: Mastercard principal member card issuing and BIN sponsorship, API-first Banking-as-a-Service and white label, payment gateway, SEPA Direct Debit, mass payouts, sub-accounts [17][4]
  • Narvi: business API with public documentation; Banking-as-a-Service, white label and roles for directors, accountants and employees [26][27]
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Pricing

Know the price before you pay anything

FinXP prices IBAN4U accounts on request, by industry and volume. The account opening fee is EUR 1,500 unless agreed otherwise, charged when your application is approved, and the full tariff is sent after the account opens [14][15].Narvi publishes its pricing structure and tiers: a one-time onboarding fee, a monthly fee set by risk tier, and three months paid up front [20]. Crypto exchanges, payment services and other high-risk businesses are priced after compliance review. Either way, you get the priced offer before you fund the account.
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Onboarding

Onboarding: a 10-minute application, then review

FinXP starts with an enquiry form and background checks, then a full application reviewed by its team. It says complex businesses should expect "weeks, not days", and asks for documents such as a signed group structure chart, a third-party questionnaire and a board resolution [7][16].Narvi's online application takes about 10 minutes, followed by a compliance review and a priced offer [20]. How long the review takes depends on your structure and industry, and the document list is published, so you can prepare before you start.An undated FinXP help-centre article mentions a general minimum of EUR 1 million in annual revenue [5]. It isn't on the new site, so ask whether it still applies. Narvi doesn't publish a revenue minimum; your tier depends on risk.
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iGaming

iGaming as a named offer

Since its relaunch on 3 September 2026, FinXP's industry navigation no longer includes iGaming [18][6]. iGaming hasn't disappeared: it's still on the application form and the About Us page, and FinXP is exhibiting at SiGMA World in Rome from 2 to 5 November 2026 [7][8][9]. It's de-emphasised rather than dropped.Narvi keeps a dedicated account offer for iGaming operators, platforms and affiliates, and another for crypto businesses [21][22]. 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.
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When to stay

When IBAN4U is the better choice

FinXP is a Mastercard principal member that issues cards and sponsors BINs for other programmes [17], and pays out in more than 60 currencies through FinXP PLUS [12]. It also offers a payment gateway, SEPA Direct Debit, mass payouts and sub-accounts [4]. If you need card issuing or wide FX payouts from your account provider, FinXP covers more of that today. Both providers give you a dedicated IBAN in your company's name, so if your IBAN4U account works and the pricing suits you, you don't need to move.
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How to switch

Switching from IBAN4U to Narvi

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 [20].
  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 check your FinXP agreement for notice periods and closing fees first.
Talk to the onboarding team
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FAQ

Frequently asked questions

Yes. IBAN4U is an account brand of FinXP Limited, an e-money institution in Malta formerly called Paymentworld Europe Ltd.

iGaming no longer appears in FinXP's industry navigation since its September 2026 relaunch, but it's still listed on the application form and About Us page. Ask FinXP directly before you apply.

As of 21 October 2026, FinXP's help centre states an account opening fee of EUR 1,500 unless agreed otherwise, charged on approval. Other fees are set by industry and volume and sent after the account opens.

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.

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. Also compare Narvi with Stable.com, payabl., ConnectPay or Genome, or read our comparison of Wise, Revolut and other alternatives.
  1. FinXP euro IBAN account
  2. GLEIF record for FinXP Limited
  3. Estonian FSA, providers of cross-border e-money services
  4. FinXP Banking-as-a-Service
  5. FinXP help centre: what kind of businesses can open an IBAN4U account
  6. FinXP industries
  7. FinXP open account
  8. FinXP about us
  9. FinXP blog: where to find FinXP this autumn
  10. FinXP terms and conditions
  11. FinXP digital assets and Web3
  12. FinXP help centre: what is IBAN4U
  13. FinXP help centre: SEPA Instant
  14. FinXP help centre: pricing for IBAN4U
  15. FinXP help centre: application fee
  16. FinXP help centre: documents required
  17. FinXP card issuing
  18. FinXP: new website and refreshed positioning, 3 September 2026
  19. FIN-FSA register of supervised entities
  20. Narvi pricing
  21. Narvi for iGaming
  22. Narvi for Web3 and crypto
  23. Narvi dedicated IBAN
  24. Narvi SEPA Instant
  25. Narvi FAQ
  26. Narvi Banking-as-a-Service
  27. Narvi multi-user access
Swift is a trademark of S.W.I.F.T. SC.
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Narvi Payments Oy Ab es una institución de dinero electrónico (EMI) autorizada. La licencia EMI de Narvi la otorga la Autoridad de Supervisión Financiera de Finlandia (FIN FSA) con el número de registro 3190214-6. La licencia de Narvi tiene validez para todos los países de la Unión Europea.
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