Overview
Bivial, at a glance.
Bivial is a swiss fintech licence (article 1b) headquartered in Switzerland, regulated by FINMA. The company behind Bivial is Bivial AG. Pricing is agreed with each client. 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.
Bivial holds a FINMA fintech licence, which allows it to accept deposits without being a bank. It says client money is safeguarded at a Swiss bank, which it does not name. Deposits with a fintech licence holder are not covered by Swiss deposit protection (esisuisse).
Why businesses pick Bivial
- Swiss IBAN accounts in 19 currencies, including CHF, EUR, USD, GBP, AED and SGD
- Virtual IBANs created from the dashboard
- Accepts foreign companies with any ownership structure
- SIC, SEPA, SWIFT, Bacs and Faster Payments, and payouts in 90+ currencies
- Built for online merchants, affiliates, marketplaces, fintechs and PSPs
Watch out for
- No prices published; Bivial sends them by email
- Fintech licence, not a bank: no Swiss deposit protection
- Companies need CHF 2 million turnover for the full account; smaller ones get a small business account
- No list of refused industries published
- Opening includes a video verification call
Business fit
Will Bivial 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 Bivial's published rules
Needs review
Bivial works with Affiliate networks, but does not publish the countries it accepts companies from.
Bivial 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 Bivial publishes about the businesses it takes on.
Who Bivial serves
- Affiliate marketing
- Marketplaces
- E-commerce
- Financial institutions
All 8 industries on Bivial's accepted list
- Affiliate networks
- Marketplaces
- Affiliates
- Marketers
- Social influencers
- Online merchants
- Fintechs
- Payment service providers
Not supported
Industries and countries Bivial does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use Bivial?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
19 currencies
- EUR
- USD
- GBP
- CHF
- CAD
- AUD
- JPY
- AED
- CZK
- DKK
- HKD
- HUF
- MXN
- NOK
- PLN
- SEK
- SGD
- TRY
- ZAR
Payouts in 90+ currencies.
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Registered companies with turnover over CHF 2 million, Freelancers and startups under CHF 2 million (small business account)
Pricing
What does Bivial 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
Not published
Business account
Custom
Transaction fees
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Create a profile and fill in the online business-account form.
- 2
Documents
Upload the certificate of incorporation, registers of directors and shareholders, articles, ownership chart, latest accounts and owners' IDs.
- 3
Video call
Book and complete a two-way video verification.
- 4
Account live
After approval, add CHF and other currency accounts and virtual IBANs from the dashboard.
Documents you need
Not published
FAQ
Your questions, answered.
Is Bivial a bank?
No. Bivial AG holds a FINMA licence under Article 1b of the Swiss Banking Act (the fintech licence), which lets it accept deposits without being a bank. Client money is safeguarded at a Swiss bank.
How much does Bivial cost?
Bivial publishes no prices; it sends its pricing by email to accounts@bivial.com.
Can a foreign company open a Bivial account?
Yes. Bivial says it serves foreign companies with diverse ownership structures and is available in over 160 countries. Companies with turnover over CHF 2 million get the full business account; freelancers and startups below that can open a small business account.
Which currencies does Bivial support?
CHF, EUR, USD, GBP, AED, AUD, CAD, DKK, HKD, HUF, JPY, MXN, NOK, PLN, SEK, TRY, ZAR, CZK and SGD, with payouts in more than 90 currencies.
Alternatives
How Bivial compares.
If Bivial is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 BivialThis pageSwiss fintech licence (Article 1b) |  | Swiss IBANNon-residents accepted |
 AmnisPayment institution |  | FX specialistExpense cards |
 YapealFintech licence | | Swiss IBANEmployee cards |
 RelioFintech licence | | Foreign ownersComplex structures |
 Wise BusinessE-money institution |   | Low FX costsStandard businesses |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.