Multi-user guide to your Narvi Business Account

Narvi lets you add multiple users to a single business account. This guide explains how to add multiple users and how to accept an access invitation as a user.

How does multi-user access work

The owner of a Narvi business account can grant other users access to manage money, conduct transactions, or perform development work on their behalf. Rather than opening separate accounts for each person in your organization, multi-user access ensures all stakeholders can access the company's account through a single login page

There are many scenarios in which it is beneficial to have multiple users with access to the account:

Organizational efficiency. For companies where multiple business partners manage finances, multi-user access ensures transparency and reduces friction. Account owners can delegate tasks like reporting and payment preparation to other employees, improving efficiency without losing overall control.

Succession. If the account owner needs to transfer ownership to another user (e.g., due to organizational or personal changes within the company), they have a convenient, structured way to do so.

IT management. Developer access enables technical teams to connect the Narvi business account via APIs and webhooks to third-party services without accessing sensitive financial information.

Opening an account on behalf of the client. Third parties, such as lawyers, accountants, or Narvi’s referral partners, can complete the onboarding process on behalf of their clients. In this case, they need to onboard using their personal details, and then transfer the account ownership to your client.

For more information about how multi-user access provides convenience, control, and security for Narvi clients, check the following blog post.

Levels of access

Narvi business account provides five access levels: ‘Owner’, ‘Payer’, 'Transfer preparer', 'Developer', and ‘Viewer’:

Owners oversee the entire business account and make key decisions. They can add new users and transfer ownership to another person.
Payers can manage the account daily, including approving and sending transfers.
Transfer preparers can draft transactions, track expenses, and prepare reports to ensure smooth operations. They cannot send payments on their own.
Developers can integrate the account with other business services via API and webhooks.
Viewers have read-only access. This is ideal, e.g., for auditors or compliance officers who need to monitor a company’s financial activities without making any changes.

Owners and Payers need to complete the full verification process. This is not required for other access levels.For a detailed comparison of various user roles, go here.

Adding Multi-Users as an Owner

To add a new user to the business account, you must be its Owner. Use these instructions if you:

are the account owners and are inviting other stakeholders to manage the account with you,
have applied for a Narvi account on behalf of your client and are now sharing access with the account owner,
want to transfer ownership of the account to the new user.

Step 1: Go to ‘Team Members’1.1 First, log in to your business account, then click ‘Manage company’ on the sidebar on the left-hand side.

1.2. Once you’re in the ‘Manage company’ section, go to ‘Team members’.

1.3. Then, to add a new user, click ‘+ Invite’.

User interface showing team members with access levels and an "Invite" button. Includes owner, payer roles, and pending invitations.

Step 2: Provide the New User’s Details2.1. First, choose accounts to which the new user should have access:

All accounts: Gives the user access to all current and future accounts under your company.
Only selected accounts: Gives the user access only to the accounts you select below.
Excluded accounts: Gives the user access to all current and future accounts except those you select below.

Note: A single user can have different access types on different accounts. For example, they can be a Payer on one account and a Viewer on another.

Interface for account access selection with options: All accounts, Only selected accounts, and Excluded accounts. "All accounts" is selected.

2.2. Next, select the type of access you would like to grant to the new user. If you want to transfer ownership, please follow these steps:

Invite the new owner with the Payer role (please ensure that the first checkbox, “All accounts,” is selected as the access scope).
The invited person must join and complete the ID verification.
Once this is done, the current owner can click “Transfer Ownership” to assign ownership to the new person.

Permission selection interface with four options: Viewer, Transfer preparer, Developer, and Payer, each explaining specific access rights.

2.3. Then provide their email address and phone number.

The new user has 72 hours to accept your invitation or else it expires. If it expires, you can simply re-invite them.Accepting a Multi-User Access InvitationContinue to read instructions on how to accept an invitation to join a Narvi business account.What are multi-user (joint) business accounts?

Start your journey with Narvi by opening an account today.Open Account

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

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