Business accounts for non-resident and cross-border companies
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
If you own a company you don't live next to, you've probably met the wall.
High-street banks and consumer fintechs decline non-resident ownership by default, and the rejection rarely explains itself. The company is legitimate, the documents are in order, and the answer is still no.The reason is structural, not personal. Most banks and consumer-grade providers price non-resident and cross-border companies as too much work: the director lives in one country, the company is registered in another, and the customers pay from a third. Providers routinely turn these companies away or freeze them after onboarding, because their model depends on standardised, low-touch accounts.That leaves e-residency companies, Delaware and Wyoming LLCs, Estonian, Maltese and Cypriot entities, and founder-run digital businesses stuck: registered, trading, and unable to hold euros or send a SEPA payment.
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
Use cases
Who this is for?
Narvi opens accounts for companies that banks treat as "too foreign to bother with". If the company is legitimate and you can evidence what it does and who owns it, a non-resident structure isn't a blocker.
E-residency companies, including Estonian e-Residency entities run from abroad
Non-resident US LLCs (Delaware, Wyoming and similar) owned by founders outside the US
EEA companies (Estonia, Malta, Cyprus and others) whose owners live elsewhere
Digital nomad and remote-first businesses with no fixed country of operation
Cross-border founders billing customers in one country, paying suppliers in another
Get a banking partner that understands your model
Three things that matter to your business
A dedicated EUR IBAN in the company's nameYour account is a full IBAN issued to your company, not a virtual slot inside a provider's omnibus account. That distinction matters when a counterparty, a marketplace, or a payment processor checks whose name is on the account.
SEPA and SWIFT includedSend and receive euro payments across the Single Euro Payments Area, including SEPA Instant where supported, and reach beyond the euro zone over SWIFT. No separate correspondent-banking scramble.
A dedicated account managerYou get a named contact who knows your file, not a ticket queue. For a non-resident founder, having one person who understands the structure is the difference between an account that opens and one that stalls.How to start using Narvi
Four online steps. No branch visit, no residency requirement in Finland.Apply onlineTell us about the company, its owners, and how it operates across borders. You upload documents in the browser.
Talk to a real account managerA named person reviews your case with dedicated compliance support, so a cross-border structure is something we assess, not a reason to auto-decline.
Get your dedicated EUR IBANYour account is a dedicated IBAN in your company's name, not a sub-ledger in a pooled account.
Start moving moneySend and receive over SEPA and SWIFT, and add team members with their own logins through multi-user access.
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 reconciliationWhy Narvi
Authorised Electronic Money Institution.
Narvi Payments Oy Ab is licensed and supervised by the Finnish Financial Supervisory Authority (FIN-FSA), registration number 3190214-6. Finland is a tier-1 EEA jurisdiction.
Passported across the EU
The licence is passported to European Union countries, so the same account works for companies operating EEA-wide.
Client funds safeguarded
Money held in your account is safeguarded under the EU Electronic Money Directive and kept separate from Narvi's own funds.
Built on in-house technology
The platform, onboarding, and account management are Narvi's own, which is why non-standard cases can be assessed rather than auto-rejected.
FAQ
Yes. A non-resident company can open a SEPA-enabled account with an EMI such as Narvi, even when the owners don't live in the country of registration. Narvi issues a dedicated EUR IBAN that sends and receives SEPA payments across the Single Euro Payments Area. The company still passes standard KYB and ownership checks; non-residency itself isn't a barrier.
Yes. Estonian e-Residency companies and similar remotely run entities can apply. Narvi assesses the company, its activity, and its beneficial owners rather than declining on residency alone, which is where many banks and consumer fintechs stop. You'll need to evidence what the company does and who controls it.
Yes. Non-resident-owned US LLCs, including Delaware and Wyoming entities, can open a EUR account with Narvi and hold euros without a US or EU residence. This suits founders who formed a US LLC for its structure but need euro rails to bill and pay European counterparties.
No. Onboarding is completed entirely online, and there's no requirement to live in or travel to Finland. You apply, upload documents, and verify identity remotely, then work with your account manager from wherever you are.
Narvi serves companies registered across the EEA and a range of non-resident structures, including e-residency companies and non-resident US LLCs. Eligibility depends on the company's activity and ownership rather than a single home country. If you're unsure whether your structure qualifies, book a call before applying.
No. Narvi is an authorised Electronic Money Institution (EMI) supervised by the Finnish Financial Supervisory Authority, not a bank. It provides EUR IBANs, SEPA and SWIFT payments, and multi-currency accounts. Client funds are safeguarded under the EU Electronic Money Directive and held separately from Narvi's own funds, rather than covered by a national deposit guarantee scheme.
You'll need your company registration details, identification for the beneficial owners and directors, and evidence of what the business does (for example contracts, invoices, or a website). Cross-border structures are welcome; clear documentation of ownership and activity is what moves an application forward.
Consumer-grade fintechs run standardised, low-touch onboarding built for straightforward domestic companies. A non-resident owner or a cross-border structure falls outside that model, so the application is declined or the account is later restricted. Narvi assesses these cases individually with dedicated compliance support instead.
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
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Narvi Payments Oy Ab est un établissement de monnaie électronique agréé (EMI). La licence IME de Narvi est accordée par l'Autorité finlandaise de surveillance financière (FIN FSA) avec le numéro d'enregistrement 3190214-6. La licence de Narvi est passeportée pour tous les pays de l'Union européenne.
Construite et réglementée en Finlande© 2026 Narvi. All Rights Reserved.
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