Digital Banking
A digital online account
Your euro IBAN account can be accessed digitally anytime and anywhere. Your account includes:A dedicated IBAN account number
Send and receive SEPA payments the same day
Narvi IBANs have built-in Smart Routing Technology
Add an unlimited number of users to help manage your account
Download bank statements and accounting view-only files online
IBAN features
A modern banking solution tailored to your business
Stop wasting money on banking and transaction fees
Don’t wait days for your payments to arrive
Don’t get lost in highly complicated and unclear systems
Narvi's IBANs are connected to the SEPA systems to process SEPA instant payments, credit transfers, and direct debits.
What is SEPA?
All you need to know about SEPA
SEPA stands for the Single Euro Payments Area. All bank payments and transfers in this zone are treated as local bank transfers. A SEPA IBAN is the most convenient way to send Instant SEPA payments on behalf of your company.The SEPA system allows for seamless payments in euros across 36 countries. You can read more about which countries take part in the SEPA system below.The SEPA Zone
The SEPA zone is larger than the Euro zone
The SEPA zone comprises 36 countries and overseas territories of former European colonial powers including crown dependencies in as far away places as the Caribbean Sea and the Pacific Ocean. A majority of them are members of the European Union but some are also part of the European Economic Area (EEA) and some are non-members.19 EU countries that use the euro as their national currency
8 EU countries whose national currencies are not the euro
3 countries who are members of the European Economic Area (EEA)
6 non-EEA countries • 4 territories of European countries
10+ territories and crown dependencies
)
SEPA Countries
The full list of the 36 SEPA countries:
EU countries of SEPA
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
EU countries of SEPA
- France
- Germany
- Greece
- Hungary
- Ireland
- Italy
- Latvia
- Lithuania
- Luxembourg
EU countries of SEPA
- Malta
- Netherlands
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
EEA countries (non EU)
- Iceland
- Liechtenstein
- Norway
Non-EU/EEA SEPA Countries
- Andorra
- Monaco
- San Marino
- Switzerland
- United Kingdom
- Vatican City State
Non-EU/EEA territories
- Saint-Pierre-et-Miquelon
- Guernsey
- Guadeloupe
- Jersey
- Isle of Man
- Mayotte
- Martinique
- Réunion
- Saint Martin
- Saint Barthelemy
At Narvi we stand for three core values
Building seamless technology for the best user experience
Being regulated in Finland to provide world class compliance and adherence to EU regulations
Taking Security extremely seriously to protect our customersSEPA FAQs
Frequently Asked Questions
It is possible to open an account with Narvi and get a SEPA IBAN account even if your company is registered outside of Europe. You can reach out to support@narvi.com to see if we are able to onboard your company. It should be noted that opening accounts from outside of Europe may require additional time to verify your documents.
Our IBANs are set up for SEPA payments, which cover transactions within the SEPA Zone (including the European Economic Area and some non-member countries). However, if you need to handle global SWIFT payments in different currencies, we have a solution for that, too! Just contact our support team at support@narvi.com to set up your global payments.
You can request additional IBANs under the same company name or open up separate accounts if you have multiple companies and businesses. You can access all your accounts from your dashboard via the dropdown menu at the top.
We don’t impose any daily limits on transactions or amounts. You’re free to transact as much as you need.
Our fees depend on various factors like risk, industry, and country of incorporation. Our compliance team will assess these factors and provide you with a fee based on your business's profile. For an indication of pricing before you complete your onboarding application, reach out to our support team at support@narvi.com.
Our IBANs can only hold fiat currency. However, our Crypto OTC desk can receive cryptocurrency, convert it to fiat, and deposit it into your account.
What We Offer
Narvi Payments Oy Ab is an Authorized Electronic Money Institution (EMI). Narvi’s EMI license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3190214-6. Narvi’s license is Passportised to all European Union countries.
Built and regulated in Finland© 2025 Narvi. All Rights Reserved.
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