BAWAG vs Viva.com: what each publishes
As of October 17, 2026, BAWAG takes these industries by its own published rules: iGaming, with conditions; Unlicensed financial services, with conditions. We hold no such rule from Viva.com.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Viva.com
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czechia
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Ireland
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
- United Kingdom
Its own list of countries, quoted below with its source and date
Policy by industry
| Industry | BAWAG | Viva.com |
|---|---|---|
| iGaming | With conditions | Rule for some countries only |
| Unlicensed financial services | With conditions | No |
| Crypto | No | Depends on the activity |
| Adult | No | Rule for some countries only |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No published rule | Rule for some countries only |
| Marketplace | No published rule | Rule for some countries only |
Where owners must live
BAWAG
No published rule
Viva.com
No published rule
Rules about countries
BAWAG
Nein, wenn der Sitz der Geschäftsleitung des Unternehmens im Ausland ist, ist leider keine online Kontoeröffnung möglich. Alternativ können Sie ein BAWAG Businesskonto in einer Filiale eröffnen. … Die BusinessBox Starter ist das ideale Firmenkonto für Start-Ups und junge Unternehmen in Österreich.
Viva.com
with a presence in 29 countries in Europe. … Our Presence in Europe … Austria … United Kingdom
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom
Fees
BAWAG
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| BusinessBox Starter (companies up to 12 months after founding or entry in the commercial register; for 12 months, then BusinessBox Dynamic) | Not published | EUR 0.00 for at most 12 months, then BusinessBox Dynamic ('BusinessBox Starter (maximal 12 Monate) pro Monat € 0,00') | · Source |
| BusinessBox Dynamic | Not published | EUR 9.90 ('BusinessBox Dynamic pro Monat'), with 20 electronic transactions included ('20 Stück pro Monat inklusive') and the turnover-based handling fee only above EUR 5.000 a month ('Manipulationsentgelt bis EUR 5.000,- pro Monat') | · Source |
Viva.com
All 10 fee lines, by plan and country
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Zero plan (Ireland) | Not published | EUR 0.00, with a EUR 4.99 minimum monthly charge ('min monthly charge €4.99') | · Source |
| Default plan (Ireland) | Not published | EUR 4.99 ('Default: €4.99') | · Source |
| Standard plan (Ireland) | Not published | EUR 12.99 ('Standard: €12.99') | · Source |
| Premium plan (Ireland) | Not published | EUR 19.99 ('Premium: €19.99') | · Source |
| Account with a GR IBAN and unlimited free incoming transfers (Ireland, on top of a plan) | Not published | EUR 10.00 ('10.00 € (monthly fee)'); the alternative account has 'no monthly fee' and charges per incoming transfer | · Source |
| Zero plan (UK) | Not published | GBP 0.00, with a GBP 3.99 minimum monthly charge ('min monthly charge £3.99') | · Source |
| Default plan (UK) | Not published | GBP 3.99 ('Default: £3.99') | · Source |
| Standard plan (UK) | Not published | GBP 10.99 ('Standard: £10.99') | · Source |
| Premium plan (UK) | Not published | GBP 15.99 ('Premium: £15.99') | · Source |
| Account with unlimited free incoming transfers (UK, on top of a plan) | Not published | GBP 10.00 ('Account with unlimited free incoming transfers: £10.00 (monthly fee)'); the alternative is an 'Account with a fee per incoming transfer (no monthly fee)' | · Source |
Closing an account
BAWAG
1. Ordentliche Kündigung in der Geschäftsverbindung mit Unternehmern Z 22. Soweit keine Vereinbarung auf bestimmte Zeit vorliegt, können das Kreditinstitut und der Kunde die gesamte Ge- schäftsverbindung oder einzelne Teile davon (auch Kreditverträ- ge und Rahmenverträge für Zahlungsdienste wie insbesondere Girokontoverträge) jederzeit unter Einhaltung einer angemesse- nen Frist kündigen.
Viva.com
Either VIVA BANK or the User has the right to terminate this agreement for convenience and with immediate effect, provided that the termination has been notified in writing to the counterparty.
Licence
| Licensee | BAWAG | Viva.com |
|---|---|---|
| Licensee | BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft · credit institution supervised by the European Central Bank and the Austrian Financial Market Authority (FN 205340x, Handelsgericht Wien) | VIVABANK BANKING S.A. · credit institution licensed by the Bank of Greece · VIVA WALLET.COM LTD · electronic money institution authorised by the FCA (FRN 989273) |
| Regulator | European Central Bank / FMA Austria · | Bank of Greece / FCA · |