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Narvi Payments review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Narvi Payments suits businesses that want a euro account with deposit protection and app-based handling, not people who need many currencies or branch service. It is an e-money provider regulated in Finland, holds EU DGS up to EUR 100,000, and serves business users, with support through email and help centre.

Key facts

Best for
A euro-only business account that is managed entirely in an app.
Licence type
E money↗
Deposit protection
EU DGS up to EUR 100,000↗
Currencies
1↗
Local account details
IBAN↗
Transfer fee
EUR 1 per internal transfer between Narvi accounts; SWIFT fees extra↗
Legal entity
Narvi Payments Oy Ab↗
Headquarters
Finland↗
Support channels
Email, Help-centre↗
Audience
Business
Features
Digital-only
Official website
narvi.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Deposit protection of EU DGS up to EUR 100,000
  • A euro account with a local iban for receiving payments
  • Built for business users rather than personal accounts
  • Support through email and help centre

Cons

  • Multi-currency holding is not among its offering, which covers 1 currency
  • Cash handling is not among its features, which are digital only
  • Support runs on email and help centre only, with no phone line
Narvi Payments

Ready to try Narvi Payments?

Scored 8.7 / 10 by VaultCue.

See alternatives

Who it suits

  • Businesses that bill and pay in euro and want deposit protection
  • Firms comfortable running the account entirely in an app
  • Anyone who mainly needs a local account number rather than several currency accounts

Who should look elsewhere

  • People who need many currencies, where Skrill holds 47
  • UK account holders who prefer a bank licence and deposit protection scheme cover like Starling at FSCS up to GBP 85,000
  • Users who want a branch or phone support, given Narvi is digital only

Deposit protection

Narvi Payments holds an e money licence and its balance is covered by EU DGS up to EUR 100,000. The regulator named for it is the Finnish Financial Supervisory Authority, and the licence numbers are 3190214-6 and PSD_EMI FI_FIN_FSA!31902146. Because the provider is an e-money institution rather than a bank, the money sits in an account with an external bank and the protection scheme caps the amount it covers.

The company behind it

The provider is Narvi Payments Oy Ab, based in Finland. It is supervised by the Finnish Financial Supervisory Authority, which lists it under licence PSD_EMI FI_FIN_FSA!31902146 and 3190214-6. Contact runs through email and help centre, so questions are answered by email or answered in the help centre, and the account itself is digital only.

How Narvi Payments compares

Where Narvi Payments is available

Available
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Licence in Finland
Finnish Financial Supervisory Authority (FIN-FSA) (3190214-6), checked September 26, 2026
Licence in Finland
FI_FIN-FSA (PSD_EMI FI_FIN_FSA!31902146), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What licence does Narvi Payments hold?+

Narvi Payments holds an e money licence issued by the Finnish Financial Supervisory Authority. Its licence numbers are PSD_EMI FI_FIN_FSA!31902146 and 3190214-6. That means it is an e-money provider rather than a bank, which is worth weighing if you prefer a bank licence.

Is my money protected at Narvi Payments?+

Your balance is covered by EU DGS up to EUR 100,000, which is the EU deposit guarantee scheme limit. As an e-money provider, Narvi holds funds with a partner bank, so this scheme is the backstop for the balance rather than a bank guarantee.

How much does a Narvi Payments account cost?+

The main charge to plan for is a transfer fee: a small euro amount per internal transfer between Narvi accounts, with SWIFT transfers charged on top. Beyond that, the account is aimed at keeping running costs low, and most accounts in this comparison are free to open.

How many currencies can I hold with Narvi Payments?+

Narvi Payments works in a single currency, so you hold one balance rather than a range. If you need to receive and convert many currencies, an alternative that lists 47 currencies is the more practical fit.

Who is Narvi Payments built for?+

The account is built for business users, so it is aimed at companies rather than personal everyday banking. A sole trader billing in euro would find that a closer match than someone who wants a household current account.

What local account details do I get?+

You get a local iban for the single currency the account supports. That means customers can pay you with domestic bank transfers rather than only through international wire transfers, which helps with local payments.

How do I get help from Narvi Payments?+

Support runs on email and help centre, so you reach the team by email or find answers in the help centre. There is no phone or chat line listed, which matters if you prefer talking to someone about a payment.

Can I use Narvi Payments in person?+

No, the service is digital only, so everything is handled online. There are no branches or cash points, which suits a business that works from a computer and does not need to deposit or withdraw cash.

Sources

  • euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026

    Backs: Headquarters, Legal entity, Licence type, Licences

    “EntityCode=FI_FIN_FSA!31902146; EntityType=PSD_EMI; ENT_NAM=Narvi Payments Oy Ab”

  • narvi.com/blog/wise-revolut-alternatives checked September 26, 2026

    Backs: Features

    “Fully Digital Onboarding: To apply for a business account at Narvi, a business owner needs to fill in an application (create account and answer KYC) online. No visits or meetings in Narvi's office”

  • narvi.com/help checked September 26, 2026

    Backs: Support channels

    “For general/new account inquries: contact@narvi.com. For customer support inquiries: support@narvi.com”

  • narvi.com/help/faq checked September 26, 2026

    Backs: Currencies, Local account details

    “For now, we are supporting balances and transfers in euros.”

  • narvi.com/legal checked September 26, 2026

    Backs: Deposit protection

  • narvi.com/pricing checked September 26, 2026

    Backs: Audience, Transfer fee

    “From sole traders and European startups to high-risk enterprises, our pricing model is designed to align with the unique requirements of your business.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Currency conversion fee.

Narvi Payments

Narvi Payments

A euro-only business account that is managed entirely in an app.

8.7/10See alternatives