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A SEPA banking account for your business

Get a euro IBAN account under your company's name to send and receive payments instantly across Europe.

Digital Banking

A digital online account

Your euro IBAN account can be accessed digitally anytime and anywhere. Your account includes:

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A dedicated IBAN account number

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Send and receive SEPA payments the same day

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Narvi IBANs have  built-in Smart Routing Technology

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Add an unlimited number of users to help manage your account

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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.

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.

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19 EU countries that use the euro as their national currency

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8 EU countries whose national currencies are not the euro

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3 countries who are members of the European Economic Area (EEA)

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6 non-EEA countries • 4 territories of European countries

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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 Pierre and Miquelon

  • 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 customers

SEPA 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 check our country guide 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.

Luckily, Narvi's IBANs are not only connected to the SEPA system but also to the SWIFT Network so you can send and receive funds from all over the world. you can find more information about this on our SWIFT euro IBAN page. It should be noted that euro payments from countries that are not in the SEPA country list will be sent via the SWIFT network and are not SEPA 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.

Sign-up now for your Business account and get access to SEPA IBAN