Provider profile

Viva.com

EU business account

3.9on Trustpilot· 2,102 reviews

Greek tech bank for merchants across Europe: a EUR business account with a Greek IBAN, card payments settled into it instantly, Mastercard debit cards for the company and staff, and SEPA transfers. Plans from €4.99 a month.

  • Greece
  • Bank
  • Business account
  • Merchants
  • Europe

Regulated by

  • Bank of Greece · Greece
  • Financial Conduct Authority · United KingdomNo. 989273
Provider type
Bank
IBAN
Greek IBAN
Payment rails
SEPA, SEPA Instant, IRIS
Cards
Virtual and physical Mastercard debit
Safeguarding
Greek deposit guarantee up to €100,000
Non-residents
Not published
Remote opening
Yes
Video identification or national eID
Support languages
Greek, English
Support channels
In-app chatPhoneEmail

Overview

Viva.com, at a glance.

Viva.com is a bank headquartered in Greece, regulated by Bank of Greece, Financial Conduct Authority. Business accounts cost from €4.99 a month. Opening an account takes 3–5 days.

Vivabank is a Greek bank, so deposits are covered by the Greek Deposit Guarantee Scheme up to €100,000 per account holder.

Why businesses pick Viva.com

  • A licensed bank, with deposits protected up to €100,000
  • Open to companies in 28 European countries, entirely online
  • Card takings settle into the account instantly
  • Free transfers between Viva.com accounts
  • Debit Mastercards for the company and its staff

Watch out for

  • Euro only, SEPA only: no SWIFT payments
  • Every customer gets a Greek IBAN; local IBANs are not offered
  • Incoming transfers cost €0.50 to €4.50 unless you add the €10 unlimited-incoming option
  • Human support costs extra: the default is an AI chat
  • Card payments in other currencies cost 3%

Business fit

Will Viva.com 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 Viva.com's published rules

Likely no

Viva.com does not list United Kingdom among the countries where it accepts companies.

Viva.com 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
See all my matches

Who it works with

Accepted and not accepted.

What Viva.com publishes about the businesses it takes on.

Who Viva.com serves

  • E-commerce
  • Travel
  • Healthcare
  • Startups and SMEs

Not supported

Industries and countries Viva.com does not accept, from its own published lists.

Industries

  • Casinos and betting companies operating without license or supervision, including online betting companies.
  • Virtual Banks and Financial Services providers not legally licensed
  • Natural Persons or legal entities who provides pawn broker services
  • Weapons: Firearms, ammunition, as well as other items including but not limited to firearms, disguised, detectable or Switchblade knives, martial arts weapons, silencers, ammunition, weapons and tear gas.
  • Pyrotechnic Devices and Hazardous Materials: Fireworks and related products. Toxic, flammable and radioactive materials and substances, gunpowder and explosives.
  • Pornographic Material and Services: Pornography and Escort or Dating services. Pornographic material involving minors, or any content that may be construed as pedophilia.
  • Drugs and Pharmaceutical Compounds: Controlled substances, drugs, illegal drugs and drug paraphernalia, including psychoactive and plant-based drugs, such as salvia and magic mushrooms, as well as any materials for promoting their use. Legal substances, such as plants or herbs, which if ingested, inhaled, extracted or otherwise used give a compound producing the same effects as of an illegal drug.
  • Gaming/Gambling: Lotteries, sports betting non legitimately licensed, participations-register in direct game connection, as well as any other related content.
  • E-money Products and Services: E-money Cards as well as any other related products & services.
  • Financial Services and Payments Instruments: e.g. indicatively but not limited to Crowdfunding services, trading of Bitcoins etc.
  • Precious Materials: Massive sale of rare or precious metals or stones.
  • Prescription Drugs and Medical Devices: Medicines or other products requiring prescription by an authorized physician or veterinarian. Medical devices requiring special license for their distribution. Drugs tested as aids.
  • Miraculous Treatments: Unfounded treatments or other items as easy solutions for health.
  • Mass Marketing Tools: E-mail lists, software or other products permitting unsolicited e-mail messages (spam).
  • Animals & Plant Seeds: Animal parts, blood or fluids and toxic weeds. Any seeds of plants or other organisms are prohibited (including derivatives endangered or protected by law).
  • Copyright and Software: Copies of books, music, films and any other non-licensed material, including copies Unauthorised copies of software, video games and more.
  • Devices or Techniques for Circumvention of the Technical Protection Measures: Mod chips or other devices for circumvention of the technical protection measures for digital devices, as well as for the unlocking of iPhones.
  • Financial or Other Products, Services, Securities and Mortgage-backed Securities: Investments, refinancing or transfer of non-collectible debt, stock market disbursements, payment orders, traveler’s checks, stocks, bonds or other related financial products, securities, shares of collective investment associations, credit services, services regulated or prohibited according to the applicable laws.
  • Government IDs, Documents or Uniforms: Government IDs, passports, diplomas, titles of nobility, as well as uniforms.
  • Hacking and Cracking Materials: Manuals, guides, information or equipment violating the laws impairing or permitting unauthorized access to software, servers, web pages or other protected items.
  • Human Parts: Organs or other parts of the human body, body fluids, stem cells, embryos.
  • Stolen Goods: Materials, products or information for the promotion of illegal goods or illegal acts, movement of goods that they do not own or for which they have no power of sale, as well as products produced in violation of any rights of third parties. Contraband goods and motor vehicles subject to transfer restrictions, goods listed in public registers (such as real property), the transfer of which requires formalities that may not be completed, from a legal aspect, online.
  • Illegal Telecommunications Equipment: The aids intended for the acquisition of cable and satellite signals for free. The cable descramblers and black boxes, access cards, smart access cards and unloopers, illegal tools or products for modification of mobile phones and other devices, deemed illegal by the competent regulatory authorities of the country where such goods are offered for sale.
  • Multi-level Marketing and Wealth Creation Programs: Multi-level marketing (including online payment randomizers), matrix, pyramid and Ponzi schemes, wealth creation programs, as well as all similar programs.
  • Offensive Goods: Goods, literature, products or other materials that: Defame or slander any person or groups of people based on their race, ethnicity, national origin, religion, gender or other factors. Defame or slander any person or groups of people protected against defamation or slander by the applicable legislation. Encourage or incite violent acts. Promote bigotry and hatred. Encourage or support participation in terrorist groups or other organizations prohibited by law. Promote revisionist theories prohibited by the applicable legislation. Violate accepted principles of morality.
  • Criminality: Photographs, images or items, such as personal belongings, associated with criminals or criminal acts.
  • Adjustable Goods: Airbags and batteries containing mercury, freon or similar substances of cooling, chemical and industrial solvents. Medical procedures. Vehicle titles, vehicle number plates, police badges, medical devices, pesticides and insecticides, and more.
  • Protected Cultural Items and Works of Art: Material covered by the 1970 Convention of UNESCO on prohibition and prevention of illicit import, export and transfer of ownership upon cultural property, as well as of any other relevant good, the sale, export or transport of which is restricted by law. Artifacts, cave formations (speleothems, stalactites, stalagmites etc.) and tombs related to items protected by national and federal laws.
  • Traffic Devices: Radar jammers, signs, traffic signal converters and related products.
  • Academic Papers and Test-taking Services: Dissertations and academic papers. Offers for test-taking services.

Countries

  • Not published

Coverage

Where can you use Viva.com?

Coverage is a starting point. It does not confirm that every business in these markets is eligible.

Supported currencies

EUR only

Payment reach

Not published

Who can apply

Company incorporation countries28 countries · show list
  • Austria
  • Belgium
  • Bulgaria
  • Cyprus
  • Czechia
  • Germany
  • Denmark
  • Estonia
  • Spain
  • Finland
  • France
  • Greece
  • Croatia
  • Hungary
  • Ireland
  • Italy
  • Lithuania
  • Luxembourg
  • Latvia
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Sweden
  • Slovenia
  • Slovakia

Owner nationality

Not published

Owner residency

Not published

Company types

Limited companies, Sole traders and professionals

Pricing

What does Viva.com 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

Free

Monthly fee

€4.99–19.99

depends on plan

  • Default

    Lowest cost

    €4.99 per month

    €0 setup · €59.88 in year one

  • Standard

    €12.99 per month

    €0 setup · €155.88 in year one

  • Premium

    €19.99 per month

    €0 setup · €239.88 in year one

Transaction fees

Transaction fees
CostListed amountHow it is charged
Incoming
SEPA€0.5–4.5Fixed fee; varies by plan · By amount; free with the €10 a month unlimited-incoming option
Outgoing
SEPA€0.8Fixed fee · After the free transfers in your plan
SEPA Instant€0.8Fixed fee
SWIFT / internationalNot offeredNot available
To another Viva.com accountFreeNo charge · To other Viva.com accounts

Ranges span the plans; higher plans pay the lower end.

Other fees

Cards

Cards
CostListed amountHow it is charged
Card FX3%Percentage of the amount

Onboarding

From application to live account.

Opening an account typically takes three to five business days.

  1. 1

    Apply

    Start the application online or through the sales team.

  2. 2

    Company and people

    Give the company's registration details, directors and owners.

  3. 3

    Checks

    Upload the documents requested and complete identity verification.

  4. 4

    Account live

    Once approved, the account is opened and you receive its details.

Documents you need

Not published

FAQ

Your questions, answered.

Is Viva.com a bank?

Yes. Vivabank Single Member Banking S.A. is a credit institution authorised by the Bank of Greece and serves other EU countries under the freedom to provide services. Deposits are covered by the Greek Deposit Guarantee Scheme up to €100,000.

How much does the Viva.com account cost?

Plans cost €4.99, €12.99 or €19.99 a month with 4, 15 or 30 free SEPA transfers. Extra SEPA transfers cost €0.80; incoming transfers cost €0.50 to €4.50 unless you pay €10 a month for unlimited incoming transfers.

Who can open a Viva.com account?

Companies and sole traders established and registered in one of 28 European countries where Viva.com operates. UK businesses are served by a separate UK e-money institution.

Which businesses does Viva.com not accept?

Its list includes unlicensed gambling and financial services, pawnbrokers, weapons, hazardous materials, adult content, drugs, e-money products, crowdfunding and crypto trading, and bulk sales of precious metals.

Alternatives

How Viva.com compares.

If Viva.com is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.

Viva.com and similar providers
ProviderLicensed inKnown for
Viva.comThis pageBankMerchantsEurope
QontoPayment institutionFreelancersInvoicing tools
FinomE-money institutionFreelancers and small companiesInvoicing
Revolut BusinessBankCards and spend controlsStartups and SMEs
bunq BusinessBankDeposit protectionFreelancers

Not sure which one fits? Your profile ranks them for your business, with the reason behind each.

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  1. 1

    Describe your business once

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  2. 2

    See who fits, and why

    Your matches, each with the reason behind it, so you know who would turn you down before you apply.

  3. 3

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