Viva.com vs Xapo Bank: what each publishes
As of October 17, 2026, Xapo Bank takes these industries by its own published rules: Crypto, 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
Xapo Bank
- United Kingdom
- EU / EEA (western & northern, plus Spain, Italy, Portugal)
- EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
- Switzerland / Liechtenstein
- Developed Asia-Pacific
- United Arab Emirates
- Latin America
- Middle East & North Africa
- Africa
- CIS / Central Asia / Caucasus
- Other
The regions its own documents name, read on October 9, 2026
Policy by industry
| Industry | Viva.com | Xapo Bank |
|---|---|---|
| Crypto | Depends on the activity | With conditions |
| iGaming | Rule for some countries only | Depends on the activity |
| Adult | Rule for some countries only | No |
| Unlicensed financial services | No | No published rule |
| Marketplace | Rule for some countries only | No |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | Rule for some countries only | No published rule |
Where owners must live
Viva.com
No published rule
Xapo Bank
No published rule
Rules about countries
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
Xapo Bank
Xapo Bank is unable to onboard institutions that are registered, operating or controlled by persons located in countries that Xapo Bank deems to be high-risk
You may register a user account, access and use our Services as an individual or on behalf of a corporation, partnership, limited liability company, or business entity of any kind established under the laws of Gibraltar or a foreign jurisdiction other than the United States of America (collectively, “Entity”).
Fees
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 |
Xapo Bank
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Institutional | Not stated | Annual Platform Fee set per client, also payable monthly ('An Annual Platform Fee (also payable monthly) will apply based on your specific requirements'); no minimum balance ('There is no minimum balance required for these accounts or wallets') | · Source |
Closing an account
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.
Xapo Bank
18.5 Xapo Bank is entitled to close your Xapo Account and terminate our Agreement by providing you with two months’ written notice.
Licence
| Licensee | Viva.com | Xapo Bank |
|---|---|---|
| Licensee | 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) | Xapo Bank Ltd · credit institution regulated by the Gibraltar Financial Services Commission (Financial Services Act 2019) · some services passported to the UK |
| Regulator | Bank of Greece / FCA · | Gibraltar Financial Services Commission · |