Embed IBAN accounts and payments into your product via API

Integrate IBANs, SEPA, SWIFT, and onboarding via a single API. Operate across the EEA under Narvi’s EMI license.

The problem

Building financial infrastructure is slow and expensive

You’re building a fintech product, a marketplace, or a platform that needs embedded financial services. Getting there on your own means securing a license, negotiating banking partnerships, building payment integrations, and standing up a compliance function. Running multiple vendors for accounts, KYC, payments, and cards means separate contracts and integrations bleeding your margin dry. Compliance fragments the moment you cross a border – each EEA country layers on its own reporting requirements, AML obligations, and audit overhead. All before you can serve a single customer!

12-18 months

to secure a licence, build payment integrations, and stand up compliance in multiple jurisdictions

Regulators reject new entrants

PSD2 and EMD2 bars are high. Most applications fail the first cycle.

Banking partners are scarce

Correspondent banks avoid fintechs, crypto, and other high-risk verticals.

The solution

Banking-as-a-Service

Narvi’s Banking-as-a-Service removes these barriers. Instead of building from scratch, you integrate a licensed infrastructure layer via API and focus on what you do best: your product and your customers. Every capability is accessible via REST API, with Node.js and Python integration libraries and real-time webhooks.Connect with us

Product features

What you get with Narvi BaaS?

IBAN accounts and walletsGenerate dedicated IBAN accounts programmatically for your end users. Each IBAN is unique to the account holder, and funds are fully segregated and traceable. Support for multiple IBANs per entity enables fund separation for compliance-sensitive use cases such as investment funds, property management, or marketplace escrow.

Payments: SEPA, SEPA Instant, and SWIFTInstruct euro payments via SEPA Credit Transfer or SEPA Instant (settled in seconds, 24/7, via smart routing). For cross-border payments outside the SEPA zone, use SWIFT to send to 100+ countries in 75+ currencies. Inbound payments are supported in EUR, USD, and GBP.

Onboarding and KYC/KYBRun the full client onboarding flow via API: collect business and personal information, trigger ID verification, submit KYB documentation, and receive approval status programmatically. Narvi’s compliance team handles the review, so your users experience a seamless, fully branded onboarding experience, with Narvi providing the regulated infrastructure and compliance review.

Licensing and regulatory coverNarvi is a licensed Electronic Money Institution regulated by the Finnish Financial Supervisory Authority (FIN-FSA), passported across the EEA. This license is passported to all EEA member states, enabling your product to operate across Europe without obtaining a separate license in each country.

BaaS APINarvi business banking technology is modular for easy integration and access. All services are API-first to give you easy access and freedom to build the platform you want.Read the API documentation

Use cases

Who uses Narvi BaaS?

Fintechs and neobanks

You're building a consumer or small business financial product and don't want to wait months for your own licence. Narvi gives you account creation, IBAN generation, ID verification, and onboarding via API under your brand

Marketplaces and platforms

You connect buyers and sellers and need money flow without stitching together payment providers. Narvi's API issues dedicated IBANs per seller, programmatically instructs payments, and keeps funds segregated.

Crypto and Web3 companies

Licensed VASPs and exchanges need euro IBANs for on- and off-ramps and a banking partner that doesn't offboard them when volumes rise. Narvi onboards VASPs, supports fiat movement between exchanges, and runs an OTC desk that deposits straight into the business account.

PSPs and payment facilitators

You already handle payments, but you want to expand your offering to include IBAN accounts and euro settlement without having to secure your own EMI license. Narvi's modular API lets you add account management and SEPA/SWIFT payment rails to your existing product.

SaaS platforms

Your software touches invoicing, payroll, or treasury, and embedded payments would open new transaction-fee revenue. Narvi's API plugs into your backend so users hold funds, send payments, and manage accounts without leaving your app.

Want to embed payments into your product?Answer a few quick questions to discuss your needsConnect with us

How the integration works

Narvi’s BaaS infrastructure serves businesses that need to embed financial services into their own products:

Scoping call

After you fill out the contact form, and get in touch with us, we map your product requirements to Narvi’s modular capabilities and agree on the integration scope.

API access

You receive credentials to generate API keys and access endpoints.

Integration

Your development team integrates the required endpoints, while we provide dedicated technical support throughout the process.

Compliance setup

We configure KYC/KYB flows, transaction monitoring, and reporting to match your product’s requirements.

Go live

Launch your product with Narvi’s infrastructure handling payments, accounts, and compliance behind the scenes.

Ready to build on Narvi’s infrastructure?Whether you’re launching a new fintech product or adding embedded finance to an existing platform, our BaaS team will scope the right integration for your needs.Connect with us

Narvi Payments Oy Ab on valtuutettu sähköisen rahan laitos (EMI). Narvin EMI-toimiluvan myöntää Finanssivalvonta, jonka rekisterinumero on 3190214-6. Narvin toimilupa on voimassa kaikissa Euroopan unionin maissa.

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