Narvi
Non-resident and cross-border businesses, including more complex structures that mainstream fintechs may not fit.
About Narvi
Narvi is a European business-account provider positioned toward cross-border companies, non-resident founders and structures that may not fit the standard onboarding model of mass-market fintechs. Its pricing is risk-based rather than a single flat package, which makes it more relevant for businesses willing to pay for a more tailored compliance and account setup.
Published pricing starts from €25 per month and account opening from €100, with the exact offer depending on the company’s jurisdiction, industry, ownership and risk profile. Narvi also requires a minimum balance equal to three months of monthly fees. Multi-currency accounts, API access and multi-user permissions are part of the product.
Narvi’s multi-user setup is more capable than a simple shared login: roles can be separated and payer users can send and approve transactions. This makes it useful for companies that need internal payment controls while operating across borders.
Key strengths
- Designed for non-resident, international and more complex business structures.
- Role-based multi-user access with transaction approval capabilities.
- Multi-currency accounts, API keys and webhooks support operational automation.
- Can be a useful alternative when mainstream fintech eligibility is too narrow.
Key limitations
- Pricing is risk-tiered, so the final monthly and onboarding cost is not known until compliance review.
- A minimum balance equal to three months of monthly fees is part of the published pricing structure.
- For a simple low-risk company, cheaper mass-market accounts may be more economical.
Very simple low-volume companies that only want the cheapest basic EUR account.
How the account works
Finance workflow
Yes — Narvi advertises multi-user access.
Multi-user access and accounting integrations are advertised; no dedicated accountant role was verified.
Not clearly documented in the public materials reviewed.
Yes
Accounting integrations are advertised; Narvi also provides business banking APIs and webhooks.
How customer funds are protected
Narvi is a Finnish-authorised EMI. Customer e-money is protected through statutory safeguarding rather than a bank deposit guarantee; insolvency administration costs can still affect final recovery.
Not sure if Narvi is the right fit?
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