How to Add Multiple Entities to Your Business Account
Manage a holding company, its subsidiaries, your personal account, and any new entity you add later from a single Narvi login.
If you run more than one company, you don't need a separate Narvi business account for each one. You can add every entity you own to the same login, give each its own dedicated IBAN, and move money between them in seconds.This guide covers who the multi-entity setup is for, how to add a new entity, what happens during the compliance review, and how the day-to-day management works once your entities are live.For the full product overview, see Subsidiary and group accounts.
Who benefits from a multi-entity setup
The multi-entity setup suits any business owner or operator who manages more than one legal entity. The most common cases we see at Narvi are:Holding companies and their subsidiaries: parent entity plus operating subsidiaries in different EEA jurisdictions
iGaming operators: one entity per licence or per brand (e.g. a Maltese casino, a Curaçao sportsbook, and a UK-licensed bingo product)
Web3 and crypto groups: a token-issuing entity, a foundation, a VASP, and a treasury vehicle
E-commerce sellers: different country-level entities for tax and VAT reasons
Founders and serial entrepreneurs: multiple SPVs, trading entities, or sister companies
Family offices: a holding structure with several investment vehicles
Business owners with a personal account: a single login for company and personal banking
Before you start
What counts as a legal entity at Narvi?
Any business registered with a corporate registration number in its home jurisdiction qualifies. That includes private limited companies, public limited companies, partnerships, foundations, and similar legal forms. Sole proprietorships are treated separately and depend on the jurisdiction.
Who can add a new entity?
Only the Owner of your Narvi profile can submit a new entity application. Team members with other roles don't have this permission.
What documents will you need?
You'll be asked for the standard onboarding documents for the new entity: certificate of incorporation, articles of association, ID and proof of address for ultimate beneficial owners and directors, and proof of operating address. Depending on the activity, industry-specific documentation may be requested (licences for regulated activities, source-of-funds documentation for high-value flows, and so on).
How to add a new entity, step by step
- Open your Narvi dashboard and click Add entity in the top-right corner.
- Fill in the new company details in the application form: legal name, registration number, country of incorporation, registered address, and the nature of business.
- Upload the requested documents for the new entity: corporate documents and KYB documents for the owners and directors.
- Submit the application. You'll receive a confirmation email once the application is in our queue.
- Wait for the compliance review. Our team reviews the application, runs KYB checks, and may come back with follow-up questions if anything needs clarification. Response times depend on the complexity of the structure and how complete the initial application is.
- Once approved, the new entity is added to your dashboard with its own dedicated IBAN in the entity's name. You can switch to it using the dropdown menu and start sending and receiving payments.
What happens after you submit
Your application enters a compliance review. We treat each new entity as a full onboarding case, so we run KYB checks on the new company, the directors, and the ultimate beneficial owners. This is a regulatory requirement: every authorised EMI in the EEA is obligated to perform these checks under EU anti-money laundering rules.Once the entity is approved:- A dedicated IBAN is issued in the entity's legal name
- Funds are segregated in line with EU safeguarding rules and Narvi's safeguarding arrangements
- The new entity appears in your dashboard switcher alongside your other entities
- You can assign roles to team members, accountants, or auditors at the entity level
Managing your entities once they're live
Switching between entitiesUse the dropdown menu at the top of the dashboard to select the entity you want to operate. All actions you take (payments, statements, user management) apply only to the selected entity.
Intercompany transfersTransfers between your own entities on Narvi settle instantly, in seconds, regardless of which EEA country each entity is incorporated in. This is useful for treasury operations, intercompany loans, dividend distributions, intra-group invoicing, and centralised cash management.
Role-based permissionsYou can grant a user access to one entity, several entities, or all of them. Permissions are set at the entity level, which means you can give your accountant view-only access to the operating company but full payment rights on the holding entity, or any combination that fits your structure.
Statements and reconciliationEach entity has its own statements, downloadable in CSV format. For larger groups,
Outgoing payments to third partiesEach entity can send SEPA, SEPA Instant, and SWIFT payments to any beneficiary outside the group. The intercompany feature doesn't restrict you to internal payments.
Adding your personal account alongside your business
If you own a company that holds a Narvi account, you can apply for a Narvi personal account and link it to the same login. You'll see both your business entities and your personal account under one set of credentials, with separate IBANs, separate statements, and clean separation between business and personal funds.See how to open a personal Narvi account for the details.Security across multiple entities
Each entity in your profile is treated as a separate account for security purposes:- Independent permissions: access to one entity doesn't grant access to any other
- 2FA at the user level: every user must use two-factor authentication, regardless of how many entities they touch
- Audit trail per entity: every action is logged and traceable to the user who performed it
- Segregated funds: balances are held in the legal name of each entity, not pooled
Use cases by industry
iGaming
Operators with multiple licences or multiple brands can hold each in a separate Narvi entity, with its own IBAN in the name of the licensee.
Web3 and crypto
Run your token issuer, foundation, VASP operating entity, and treasury vehicle on one platform, with funds segregated per entity and instant EUR settlement between them.
Holding structures and family offices
Parent entity plus multiple subsidiaries or SPVs, each with a dedicated IBAN, with intercompany flows handled on the same platform
FAQ
A legal entity is any business registered with a corporate registration number in its home jurisdiction: private limited companies, public limited companies, partnerships, foundations, and similar legal forms.
Yes. Each entity is a separate legal person under EU AML rules, so a full KYB review is required for every new entity. Your existing relationship with Narvi can speed up document collection in practice, but the regulatory KYB itself is non-negotiable.
There's no fixed cap published. We work with single founders adding a second entity and with groups managing 10+ subsidiaries. If your structure is unusual or large, mention it during onboarding so we can plan the review.
Only users with the Owner role can submit a new entity application. Other roles (payment operators, view-only accountants) cannot.
No. A Narvi account is tied to the legal entity it was opened for. If you need to operate under a different legal entity, you'll need to add that entity as a new application.
Held separately. Each entity has its own dedicated IBAN in its own legal name, and funds are segregated per entity in line with EU safeguarding rules.
The review starts as soon as your application is complete. Timing depends on the complexity of the structure, the jurisdictions involved, and how quickly any follow-up questions are answered. Get in touch with the support team if you have a deadline to meet.
Yes. Permissions are set per entity. You can grant view-only access to your accountant for a single entity, or any combination across your group.
Transfers between your own entities on Narvi settle instantly, regardless of which EEA country the entities are incorporated in.
Yes. Every entity gets a dedicated IBAN issued in the legal name of that entity, not a virtual or omnibus IBAN under Narvi's name.
Yes. Narvi's EMI licence is passportised across the EEA, so we can serve entities incorporated in any EU/EEA member state. Funds for all entities are held within the EU.
Connecting multiple entities under one login is free. Each entity is priced according to its activity and risk profile. See the Narvi pricing page for general pricing or contact us for a custom offer.
We can review applications from entities incorporated outside the EEA, but eligibility depends on the country, the activity, and the structure. Reach out to discuss your case before you apply.
Yes. Each entity has its own authorised users, and you can require dual authorisation on payments at the entity level if your internal controls call for it.
One dashboard, one login. You switch between entities with the dropdown menu at the top of the screen.
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