Overview
Arival Bank, at a glance.
Arival Bank is an international financial entity headquartered in Puerto Rico, regulated by OCIF. Business accounts cost from $99 a month. Opening an account takes 3–5 days. Non-residents are accepted: owners and directors do not need to live in the country where the company is registered.
Arival is not directly FDIC-insured. Eligible US dollar balances may receive pass-through FDIC insurance through its settlement partners.
Why businesses pick Arival Bank
- Accepts non-residents: built for international companies, holdings and founders outside the United States
- Works with crypto, mining, fund management and trading companies
- All incoming payments are free
- Currency exchange from 0.1% to 0.3%
- ACH, Fedwire, SWIFT, SEPA and UK Faster Payments from one account
Watch out for
- Costs $99 or $199 a month
- Licensed in Puerto Rico as an international financial entity, not as an FDIC-member bank
- Its pages disagree on opening fees: free on the pricing page, $100 to $2,250 in the FAQ
- Card spending in other currencies costs 1.5%
- Only 16 Trustpilot reviews
Business fit
Will Arival Bank accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Arival Bank's published rules
Needs review
Arival Bank works with Holdings and corporate groups, but does not publish the countries it accepts companies from.
Arival Bank does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Arival Bank publishes about the businesses it takes on.
Who Arival Bank serves
- Holding companies
- IT and software
- Crypto
- Import and export
- Family offices and funds
All 8 industries on Arival Bank's accepted list
- Holdings and corporate groups
- Digital and software companies
- Fund management firms
- Commodities and trade companies
- Crypto and mining
- Digital SMEs
- Tech startups
- International companies operating across regions
Not supported
Industries and countries Arival Bank does not accept, from its own published lists.
Industries
- Bearer shares: issuance or trade in bearer shares or bearer share warrants
- Unregulated cash-intensive businesses where the source of funds cannot be adequately verified, including unlicensed casinos and certain retail businesses
- Counterfeit or unauthorized goods: sale, distribution, or production of counterfeit goods, pirated content, or unauthorized merchandise
- Illegal financial services: unregistered money services businesses, unlicensed money transmitters, unregulated trading platforms, unregulated foreign exchange services, and unlicensed securities or investment-related activities
- Illicit drugs: trade or production of illegal drugs, drug paraphernalia, or businesses facilitating production or distribution of controlled substances
- Intellectual-property-rights infringement
- Payday loans and associated services, including high-interest short-term loans and predatory lending
- Ponzi, predatory, or multi-level marketing schemes
- Shell companies with no clear business purpose, physical presence, or verifiable economic activity
- Companies unable to provide a clear, transparent, and verifiable description of their business activity
- Other illegal activities, including money laundering, terrorist financing, drug trafficking, human trafficking or exploitation
- Client-funds activities for businesses in digital assets, digital currency, money-services-business and payment-service-provider industries
- Adult content and services (S9329-1)
- Armaments, nuclear, weapons, or defence manufacturers: military ships (C3011-1), military aerospace and related machinery (C3030-1), military fighting vehicles (C3040), weapons and ammunition manufacture (C2520), retail of weapons, ammunition, military machinery and equipment (G4773-1), wholesale of weapons, ammunition, military machinery and equipment (G4659-1)
- Auction houses: intermediation service activities for retail sale, including online and telephone sales (G4790)
- Auto and boat dealerships management companies: rental and leasing of motor vehicles (O7710), retail sale of boats (G4762-1), retail sale of motor vehicles (G4781), rental of pleasure boats, canoes, sailboats and yachts without operator (O7721-1)
- Crowdfunding activities: equity- and debt-based crowdfunding (L6612-4)
- Drug or narcotic crops: growing (A0128-1) and retail sale (G4772-1)
- Government and public administration: extraterritorial organisations (V9900), compulsory social security (P8430), defence (P8422), foreign affairs (P8421), general public administration (P8411), public order and safety (P8423), regulation of environmental services (P8413), regulation of business operation (P8414), and regulation of health, education, cultural and other social services excluding social security and environment (P8412)
- Precious art and antiques: retail sale of antiques, antique books and precious art objects (G4774-1)
- Precious metals: wholesale of gold and other precious metals (G4672-1) and wholesale of precious stones (G4679-1)
- Security services and products: investigation and private security activities (O8011) and security activities n.e.c. (O8019)
- Skilled gaming and loot boxes: skilled and video gaming activities (S9200-1)
- Unregistered charities: charity, fundraising or social-work support activities (R8890-2)
- Unregistered and registered gambling: gambling and betting activities (S9200)
Countries
- Not published
Coverage
Where can you use Arival Bank?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
USD plus 13 currencies
The other currencies are not listed.
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Not publishedPricing
What does Arival Bank cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
$99–199
depends on plan
Standard
Lowest cost$99 per month
Setup fee not published
Premium
$199 per month
Setup fee not published
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Incoming | ||
| SEPA | Free | No charge |
| SWIFT / international | Free | No charge |
| ACH / local USD | Free | No charge |
Ranges span the plans; higher plans pay the lower end.
Other fees
Currency exchange (FX)
| Cost | Standard | Premium | How it is charged |
|---|---|---|---|
| FX markup | 0.25–0.3% | 0.1–0.15% | Percentage of the amount; varies by plan · Lower rate above $100,000 converted a month |
Crypto
| Cost | Listed amount | How it is charged |
|---|---|---|
| On-ramp (fiat to crypto) | Not published | |
| Off-ramp (crypto to fiat) | Not published |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Virtual card issue | Free | No charge · First card; $1 for each additional card |
| Physical card issue | Free | No charge · First card; $1 for each additional card, plus shipping |
| Card FX | 1.5% | Percentage of the amount |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Start the application online or through the sales team.
- 2
Company and people
Give the company's registration details, directors and owners.
- 3
Checks
Upload the documents requested and complete identity verification.
- 4
Account live
Once approved, the account is opened and you receive its details.
Documents you need
Not published
FAQ
Your questions, answered.
Is Arival Bank a bank?
Arival Bank International Corp. is licensed in Puerto Rico as an international financial entity, licence IFE-065. It is not an FDIC-member bank; eligible US dollar balances may receive pass-through FDIC insurance through its settlement partners.
How much does Arival Bank cost?
Standard costs $99 a month and Premium $199. Incoming payments are free, and currency exchange costs 0.1% to 0.3% depending on plan and volume.
Can non-US companies open an Arival account?
Yes. Arival serves international companies and holding structures, subject to its restricted-jurisdictions policy and compliance review.
Does Arival accept crypto businesses?
Yes. Crypto and mining companies are among the businesses it serves.
Alternatives
How Arival Bank compares.
If Arival Bank is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
| Arival BankThis pageInternational financial entity |  | Crypto-friendlyNon-residents accepted |
 MercuryFintech company |  | US business accountNon-residents accepted |
 BluevineFintech company | | US business accountNon-residents accepted |
| JetonbankBank |  | Offshore bankNon-residents accepted |
 BCB GroupPayment institution |   | Crypto-friendlyInstitutional |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.