Viva.com
Viva.com: Depends on the activity: Crypto. Last verified October 17, 2026.
- 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)
- Bank of Greece / FCA ·
Where it takes companies from
- 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
Products it publishes
Company cardsSays it offers this
Accepting card paymentsSays it offers this
Choose from next-generation card terminals or compatible partner devices, all seamlessly integrated with the Viva.com Terminal app for smooth payments.
Turn your phone into a mobile card terminal
Bulk payoutsSays it offers this
Merchant rebates, Fast refunds, Marketplace payouts
Virtual accounts for your customersSays it offers this
Split customer payments in real-time between sellers, with commission going to the marketplace owner
Does not say it offers: International payments and FX, Crypto on- and off-ramp, Safeguarding account, Client money account, Escrow
As its own pages say it, each quote with the date we read it. A product it does not mention is never shown as one it does not offer.
Currencies it holds
Holds EURa balance; account details of its own in this currency
Account with IBAN (GR) with unlimited free incoming transfers:
Through SEPA Credit Transfer ... Applies to any Euro bank account
Currency ... Euro
Holds GBPa balance; account details of its own on the local payment system
Eligible new UK merchants are automatically assigned a GB IBAN & Sort Code during onboarding.
Viva.com customers operating in the United Kingdom are provided with a local GB IBAN.
Does not say it holds: CAD, SGD, HKD, AUD
Only currencies its own pages name, each quote with the date we read it. A currency it does not mention is never shown as one it does not hold.
Policy by industry
| Industry | Status | Checked |
|---|---|---|
| Crypto | Depends on the activity | |
| Unlicensed financial services | No |
No published rule (read in full on October 9, 2026): AI and SaaS
Rules for companies registered in some countries only
From the list below, which categories of customers or industries are subject to EDD and/or are restricted, or prohibited by the Entity's FCC programme? … Virtual Asset Service Providers … Prohibited
Customers outside of VIVA’s AML Risk Appetite due to industry risk, such as customers operating within the following industries: … Virtual Currency
From the list below, which categories of customers or industries are subject to EDD and/or are restricted, or prohibited by the Entity's FCC programme? … Gambling customers … Always subject to EDD
Pornographic Material and Services. … Pornography and Escort or Dating services.
Financial or Other Products, Services, Securities and Mortgage-backed Securities … stocks, bonds or other related financial products, securities, shares of collective investment associations
VIVA BANK offers card acquiring services to e-commerce platforms (“Marketplaces”) and the merchants operating through them, for the sale and purchase of products and services.
Has this rule changed? Tell us
Fees
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
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.
If you are not satisfied with the response you receive or the solution suggested to you, you can appeal within one (1) year from the date of filing the complaint to Vivabank, to the Hellenic Financial Ombudsman
Account closed or frozen? What Viva.com’s terms say
Rules about countries
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
What we read
- Acceptable use and prohibited activities
- Read · vivadotcom.cdn.prismic.io/vivadotcom/rG… · vivadotcom.cdn.prismic.io/vivadotcom/Z-… · vivadotcom.cdn.prismic.io/vivadotcom/iE… · vivadotcom.cdn.prismic.io/vivadotcom/66… · vivadotcom.cdn.prismic.io/vivadotcom/af…
- Help pages on particular industries
- Read · euhelp.viva.com/en/articles/9978822-why… · euhelp.viva.com/en/articles/5972755-que… · euhelp.viva.com/en/articles/5913497-que… · euhelp.viva.com/en/articles/7181784-que…
- Countries it takes
- Read · developer.viva.com/about-viva · euhelp.viva.com/en/articles/10221575-vi… · vivadotcom.cdn.prismic.io/vivadotcom/iE… · vivadotcom.cdn.prismic.io/vivadotcom/af…
- Countries it refuses
- Searched, none published
- Rules on owners and directors
- Searched, none published
- Prices
- Read · viva.com/en-ie/pricing · viva.com/en-gb/pricing · viva.com/en-de/pricing · euhelp.viva.com/en/articles/9406007-sub…
- Terms on closing accounts
- Read · vivadotcom.cdn.prismic.io/vivadotcom/rG… · euhelp.viva.com/en/articles/4866579-how…
- Complaints
- Read · viva.com/en-eu/complaints · vivadotcom.cdn.prismic.io/vivadotcom/rG… · vivadotcom.cdn.prismic.io/vivadotcom/Z-…
- Licence register
- Read · euclid.eba.europa.eu/register/cir/entit… · register.fca.org.uk/s/firm