Bilderlings (Bilder) alternative for iGaming, crypto and fintech businesses

Bilderlings Pay is a UK e-money institution authorised by the FCA, now trading as Bilder. Narvi is a Finnish e-money institution supervised by FIN-FSA and passported across the EEA. Here's how they compare.

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The short answer. Choose Narvi if you want your e-money institution authorised inside the EEA, with a Finnish IBAN and a dedicated offer for iGaming or crypto businesses. Consider Bilder if you need UK Faster Payments and CHAPS, a wide list of payout currencies, or a published price list for your plan.Bilder and Narvi serve many of the same industries, so the differences are in licence, rails and pricing model. Every Bilderlings fact below comes from Bilderlings' own documents as of 3 November 2026, linked at the end.
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Table comparing Bilder and Narvi on licence, account, payment rails, SEPA Instant, pricing, crypto and iGaming. Details are in the text below.
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At a glance

Bilderlings vs Narvi at a glance

Each number in brackets links to its source; the full list is at the end of the page.Licence
  • Bilderlings Pay Limited (London): e-money institution authorised by the UK Financial Conduct Authority under the Electronic Money Regulations 2011, register number 900637. Its Latvian payment-institution registration was withdrawn in 2018, and EU business moved under the UK licence. Since 2025 it trades as Bilder [1][2][6][11]
  • Narvi (Narvi Payments Oy Ab): e-money institution supervised by the Finnish Financial Supervisory Authority (FIN-FSA), registration 3190214-6, passported across the EEA [12]
Who it serves
  • Bilder: international businesses including wholesale, affiliate marketing, consulting, IT and iGaming, plus licensed fintechs such as e-wallets, processors, crypto exchanges and forex brokers [3][4]
  • Narvi: business accounts, Banking-as-a-Service and white label, with dedicated offers for iGaming and Web3 and crypto businesses [13][14][15]
Industry policy
  • Bilder: iGaming accepted for operators licensed in the UK, US, an EU member state, Australia, Curaçao or a Canadian province; privacy coins, ICOs and binary options prohibited [5]
  • Narvi: iGaming operators, platforms and affiliates, and crypto exchanges, custodians and OTC desks, go on a custom enterprise plan priced after compliance review [14][15][13]
Account
  • Bilder: direct IBAN for business accounts; virtual IBANs in end users' names for fintech clients, in EUR [4][8]
  • Narvi: dedicated IBAN in your company's name, starting with FI, under Narvi's own BIC NARYFIH2 [16]
Payment rails and currencies
  • Bilder: Swift, SEPA, SEPA Instant up to EUR 100,000 for most clients, UK Faster Payments and CHAPS; a long list of incoming and outgoing currencies [3][9]
  • Narvi: SEPA and SEPA Instant 24/7, Instant at the SEPA price up to EUR 100,000 per payment, and Swift under Narvi's own BIC [17]
Pricing
  • Bilder: published plans from €20 a month, with a €350 monthly gaming plan and a €350 plan for UK and EU-licensed crypto-asset service providers; Swift from €75 [3]
  • Narvi: one-time onboarding fee, a monthly fee by risk tier with three months paid up front, and a minimum balance of three monthly fees [13]
Crypto
  • Bilder: stablecoin payments are provided by its US group company, Bilderlings US, Inc., not by the UK e-money institution [10]
  • Narvi: a crypto OTC desk converts crypto to fiat and pays it into your account; IBANs hold fiat only [18]
Protection of your money
  • Bilder: client funds are safeguarded; the UK Financial Services Compensation Scheme doesn't apply [7]
  • Narvi: client funds are safeguarded separately from Narvi's own money, as EU e-money rules require [12]
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Licence

Where the licence sits

Bilderlings Pay Limited is a UK e-money institution. It has served EU clients under its UK licence since its Latvian registration was withdrawn in 2018 [1][6]. As of 3 November 2026 its terms name the UK company as your contracting party [1].Narvi is authorised in Finland and passported across the EEA [12]. If your auditors, payment partners or regulator ask where your provider is supervised, that's the difference you'll be explaining.
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Pricing

Similar industries, different pricing models

Bilder publishes its plans: a gaming plan at €350 a month plus a 0.50% fee on incoming payments, and a plan for licensed crypto-asset service providers at €350 a month plus 0.15% on incoming payments [3]. That makes it easy to estimate costs before you apply.Narvi prices high-risk industries on a custom enterprise plan after compliance review, so the number depends on your volumes and flows [13]. Ask for both quotes on the same payment profile before you decide.
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When to stay

When Bilder is the better choice

If you're UK-focused and need GBP over Faster Payments and CHAPS, Bilder has it in the account [3]. Its outgoing currency list is long, including CAD, AED, TRY, ZAR and MXN [9]. If you need stablecoin rails through a US entity, Bilder's group offers that [10]. And if a published price list matters more than a custom quote, Bilder gives you one [3].
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How to switch

Switching from Bilderlings to Narvi

What to prepare. You'll need your company documents, details of your directors and owners, and a short description of where your money comes from and goes. The full document list is in our help centre.
  1. Book a short call with the onboarding team for a pricing estimate based on your business profile.
  2. Complete the online application, which takes about 10 minutes (step-by-step guide).
  3. Our compliance team reviews your documents and sends a priced offer.
  4. Fund the account: the onboarding fee, three months of monthly fees and a minimum balance of three monthly fees [13].
  5. Run both accounts in parallel. Move one payment flow at a time (customers, PSPs, payroll, suppliers) and send each counterparty your new IBAN and the BIC NARYFIH2.
  6. Close the old account only after the last inbound payment has landed, and check your Bilder agreement for notice periods and closing fees first.
Talk to the onboarding team
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FAQ

Frequently asked questions

No. Bilderlings Pay Limited is authorised by the UK Financial Conduct Authority. Its Latvian payment-institution registration was withdrawn in 2018, and its group company in Latvia provides IT support.

Yes. Since 2025 Bilderlings has used the trade name Bilder.

No. Narvi Payments Oy Ab is an e-money institution authorised by the Finnish Financial Supervisory Authority and passported across the EEA. It holds client funds separately from its own money, as EU e-money rules require.

Yes. Narvi has dedicated account offers for both. Crypto exchanges, payment services and other high-risk businesses go on a custom enterprise plan, priced after compliance review.

Yes, and we recommend it. Run both accounts in parallel and move your payment flows one at a time, so nothing stops while counterparties update your details.

Narvi charges a one-time onboarding fee and a monthly fee set by your risk tier, with three months of fees paid up front. Enterprise clients are priced after compliance review. The tiers are on the pricing page.
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Get a dedicated FI IBAN in your company's nameOpen an account or talk to the onboarding team about your industry and payment flows.
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Sources

Sources

Last checked: 3 November 2026. Also compare Narvi with ConnectPay, Stable.com, payabl., IBAN4U, Genome, Paxum, Neteller or Kontist, or read our comparison of Wise, Revolut and other alternatives.
  1. Bilderlings terms and conditions
  2. Bilder about us
  3. Bilder business accounts
  4. Bilder for fintech
  5. Bilderlings risk appetite statement (29 September 2026)
  6. Bilderlings: operating in Latvia under the UK licence (2018)
  7. Bilder help: is Bilder a bank
  8. Bilder help: direct IBAN
  9. Bilder help: incoming and outgoing currencies
  10. Bilder US stablecoins
  11. FCA register, Bilderlings Pay Limited
  12. FIN-FSA register of supervised entities
  13. Narvi pricing
  14. Narvi for iGaming
  15. Narvi for Web3 and crypto
  16. Narvi dedicated IBAN
  17. Narvi SEPA Instant
  18. Narvi FAQ
  19. Narvi Banking-as-a-Service
  20. Narvi multi-user access
  21. Narvi for non-resident and cross-border companies
Swift is a trademark of S.W.I.F.T. SC.
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Narvi Payments Oy Ab is an Authorized Electronic Money Institution (EMI). Narvi’s EMI license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3190214-6. Narvi’s license is passportised to all European Union countries.
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