A SEPA banking account for your business
Get a euro IBAN account under your company's name to send and receive payments instantly across Europe.
Digital Banking
A digital online account
Your euro IBAN account can be accessed digitally anytime and anywhere. Your account includes:
A dedicated IBAN account number
Send and receive SEPA payments the same day
Narvi IBANs have built-in Smart Routing Technology
Add an unlimited number of users to help manage your account
Download bank statements and accounting view-only files online
IBAN features
A modern banking solution tailored to your business
Stop wasting money on banking and transaction fees
Don’t wait days for your payments to arrive
Don’t get lost in highly complicated and unclear systems
Narvi's IBANs are connected to the SEPA systems to process SEPA instant payments, credit transfers, and direct debits.
What is SEPA?
All you need to know about SEPA
SEPA stands for the Single Euro Payments Area. All bank payments and transfers in this zone are treated as local bank transfers.
The SEPA system allows for seamless payments in euros across 36 countries. You can read more about which countries take part in the SEPA system below.
The SEPA Zone
The SEPA zone is larger than the Euro zone.
The SEPA zone comprises 36 countries and overseas territories of former European colonial powers including crown dependencies in as far away places as the Caribbean Sea and the Pacific Ocean. A majority of them are members of the European Union but some are also part of the European Economic Area (EEA) and some are non-members.
19 EU countries that use the euro as their national currency
8 EU countries whose national currencies are not the euro
3 countries who are members of the European Economic Area (EEA)
6 non-EEA countries • 4 territories of European countries
10+ territories and crown dependencies
SEPA Countries
The full list of the 36 SEPA countries:
EU countries of SEPA
Austria
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Estonia
Finland
EU countries of SEPA
France
Germany
Greece
Hungary
Ireland
Italy
Latvia
Lithuania
Luxembourg
EU countries of SEPA
Malta
Netherlands
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden
EEA countries (non EU)
Iceland
Liechtenstein
Norway
Non-EU/EEA SEPA Countries
Andorra
Monaco
San Marino
Switzerland
United Kingdom
Vatican City State
Non-EU/EEA territories
Saint-Pierre-et-Miquelon
Guernsey
Guadeloupe
Jersey
Isle of Man
Mayotte
Martinique
Réunion
Saint Pierre and Miquelon
Saint Martin
Saint Barthelemy
At Narvi we stand for three core values
Building seamless technology for the best user experience
Being regulated in Finland to provide world class compliance and adherence to EU regulations
Taking Security extremely seriously to protect our customers
SEPA FAQs
Frequently Asked Questions
Can I sign up for a SEPA account if my company is not registered in Europe?
It is possible to open an account with Narvi and get a SEPA IBAN account even if your company is registered outside of Europe. You can check our country guide to see if we are able to onboard your company. It should be noted that opening accounts from outside of Europe may require additional time to verify your documents.
Can I receive payments from outside of Europe to my SEPA IBAN account?
Luckily, Narvi's IBANs are not only connected to the SEPA system but also to the SWIFT Network so you can send and receive funds from all over the world. you can find more information about this on our SWIFT euro IBAN page. It should be noted that euro payments from countries that are not in the SEPA country list will be sent via the SWIFT network and are not SEPA payments.
Can I have more than one SEPA IBAN?
You can request additional IBANs under the same company name or open up separate accounts if you have multiple companies and businesses. You can access all your accounts from your dashboard via the dropdown menu at the top.
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