Viva.com review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
Viva.com is known as the first tech bank in Europe offering an all in one platform for payments and banking. It suits business owners who want accounts, card acceptance and operational tools managed together across Europe rather than a separate personal current account.
Pros and cons
Pros
- Operates as a tech bank across 29 European markets
- Combines bank accounts, card issuing and Tap on Any Device acceptance
- Supports over 450 technology partners for hardware and software needs
- Provides direct national scheme connections for local payment methods
Cons
- Focuses on business needs rather than everyday personal current accounts
- Single platform approach may feel broad for simple account holders
Who it suits
- Small businesses accepting in person and online payments
- Restaurants, shops and entertainment sellers handling daily takings
Who should look elsewhere
- People seeking a personal only everyday account
How Viva.com compares
Where Viva.com is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Spain, Sweden, United Kingdom
- Licence in Greece
- Bank of Greece, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Viva.com offer for everyday business money?+
Viva.com provides business bank accounts with IBAN details for receiving and holding funds. You can manage balances alongside card issuing and payment acceptance. The design keeps daily business money in one banking platform.
Which countries does Viva.com serve?+
Viva.com operates across 29 markets in Europe as pan European banking infrastructure. You can use the same platform in different European countries. Its network also reaches Portugal and Cyprus through direct payment connections.
How do payments work with Viva.com?+
Payments work through an omnichannel platform that includes Tap on Any Device technology. You can accept contactless payments on compatible devices without separate terminals. The platform also supports borderless marketplace payment flows.
Which company operates Viva.com?+
Viva.com is operated by Vivabank Banking S.A.. (Source, checked September 26, 2026)
How can I contact Viva.com support?+
Viva.com offers support through Help-centre. (Source, checked September 26, 2026)
Sources
- euhelp.viva.com/en checked September 26, 2026
Backs: Local account details, Support channels
“How do I get an IBAN proof for my Viva.com Account?”
- viva.com/en-eu/about/the-company checked September 26, 2026
Backs: Deposit protection, Legal entity, Licences
“Viva.com Group owns VIVABANK BANKING S.A. (VIVABANK S.A.) which is a credit institution licensed by the Bank of Greece.”
- viva.com/en-eu/product/account checked September 26, 2026
Backs: Audience
“Welcome to smarter digital business account management - secure, flexible tools built for SME's to large enterprises”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Licence type, Currency conversion fee, Currencies.