Bivial AG

What Bivial AG does

Bivial AG is a Swiss fintech company incorporated in Zug in 2019, operating as a deposit-taking financial institution authorised by the Swiss Financial Market Supervisory Authority (FINMA) under Article 1b of the Swiss Federal Banking Act. The company provides multi-currency Swiss bank accounts and global payment infrastructure targeted at digital businesses, with a stated footprint spanning 18 currencies (CHF, EUR, USD, GBP, AED, AUD, CAD, DKK, HKD, HUF, JPY, MXN, NOK, PLN, SEK, TRY, ZAR, CZK, SGD). Its product portfolio centres on Swiss IBAN-based accounts (Business, Entrepreneur, Merchant Payment, and Client Funds variants), supplemented by virtual and physical debit cards, virtual and personalised IBANs, and the Bivial Authenticator app launched in October 2025.

The platform combines a self-serve onboarding flow via dashboard.bivial.com with payment rails for inbound acceptance (global bank transfers, SEPA direct debits, Visa/Mastercard, alternative payment methods, wallets) and outbound disbursement (international SWIFT, local instant, alternative payouts). Notable technical differentiators include Personalised Swiss IBANs - branded account numbers that clients can reserve for visibility - and Virtual IBANs designed to reduce reconciliation errors. The platform is PCI DSS Level 1 certified and supports multi-factor authentication, 3D Secure for card payments, and fraud-detection algorithms.

Bivial monetises through two primary streams: transaction fees on inbound and outbound payments across the supported rails, and recurring fees on account services. Customer segmentation is hybrid: startups below 2M CHF in revenue, established corporates and non-profits above 2M CHF, digital businesses and e-commerce operators, regulated entities needing client-fund segregation, and (on a limited basis) individual entrepreneurs. Distribution is predominantly digital self-serve, with direct enterprise sales for larger clients and a structured partner program layered on top. Total disclosed funding across two rounds (November 2020 and May 2022) aggregates to approximately $4.08 million; revenue and customer count are not publicly disclosed.

Name

Bivial AG

Legal name

Bivial AG

Website

https://bivial.ch

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Bivial AG is a Zug-based, FINMA-authorised Swiss fintech providing multi-currency Swiss bank accounts, virtual and personalised IBANs, cards, and global payment acceptance and disbursement infrastructure for digital businesses, startups, established corporates, and regulated entities.

Ownership category

akta.pro rank

Product category

Digital Banking Services

NAICS

Commercial Banking (52211)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industries

Merchant Cross-Border Collections (Pay-ins) & Local Payment Methods (FSAGAKAD), In-App / Online Checkout Wallets (FSAMAEAH)

Keywords

• Multi-currency accounts
• Cross-border payments
• Digital business banking
• Payment processing
• Swiss IBAN accounts

Headquarters

HQ city

Zug

HQ country

Switzerland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Transactional Banking Services: Revenue generated from processing inbound and outbound payments, including bank transfers, card payments, direct debits, and international SWIFT transactions across multiple currencies.
2. Account Services: Fees associated with various account types including Business Accounts, Entrepreneur Accounts, Merchant Payment Accounts, Client Funds Accounts, and Personalised IBANs.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Bivial AG provides multi-currency Swiss bank accounts with global payment acceptance and disbursement infrastructure for digital businesses, entrepreneurs, and regulated entities. The platform offers Business, Entrepreneur, Merchant Payment, and Client Funds accounts complemented by Virtual and Physical cards, Virtual and Personalised IBANs, and inbound/outbound payment rails (bank transfers, card acceptance, direct debits, SWIFT) across 18 currencies.

Product overview

Bivial AG offers a modular Swiss banking platform with multiple integrated products designed for digital businesses, entrepreneurs, and regulated entities. The portfolio centres on Swiss IBAN accounts (Business, Entrepreneur, Client Funds, and Merchant variants) supplemented by Virtual and Physical card products, and enhanced by Personalised IBANs for brand visibility. Payment infrastructure spans inbound acceptance (Bank Transfers, Cards, Alternative Payment Methods, Wallets) and outbound capabilities (International SWIFT, Local Instant, Alternative Payouts). The platform is modular, allowing businesses to combine Business Accounts, Virtual IBANs, and Merchant Payment Accounts according to their operational needs.

Differentiator

Problem solved

Functional benefit

Brands

• Bivial Authenticator: A secure digital transactions app featuring biometric authentication and privacy protections, available on major app stores.

Products and services

• Business Accounts Dedicated and personalised Swiss IBAN accounts designed for the daily banking needs of businesses, including established corporates, non-profits, and startups.
• Entrepreneur Accounts Personal Swiss accounts for entrepreneurs and executives requiring reliable access for global remittances, supporting multiple currencies. Currently offered on a limited basis to individuals with an existing relationship with Bivial corporate account holders.
• Merchant Payment Accounts Payment accounts ensuring higher acceptance rates and quick onboarding for merchants and e-commerce operators.
• Client Funds Accounts Specialised solution for regulated businesses requiring client fund account management and segregated accounts.
• Virtual Cards All-in-one virtual cards offering unlimited flexibility for digital payments and business transactions.
• Physical Cards Bivial debit card providing security and freedom for card transactions.
• Virtual IBANs Virtual International Bank Account Numbers designed to reduce error rates and simplify reconciliation for businesses.
• Personalised IBANs Exclusive personalised Swiss account numbers allowing businesses to brand their bank account identifiers for enhanced brand visibility and reduced payment errors.
• Bivial Authenticator App Mobile application providing secure digital transactions with biometric authentication and privacy protections, available on major app stores.
• Global Bank Transfers International SWIFT transfer capabilities for sending and receiving funds across borders in multiple currencies.
• Direct Debit Collections SEPA Direct Debit payment collection functionality for merchant transactions.
• Card Acceptance Acceptance of VISA and Mastercard payments for merchants with higher acceptance rates and quick onboarding.

Quantifiable outcome

• Enhanced brand visibility through personalised Swiss IBANs
• +1 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Qonto: European business-only neobank offering IBAN accounts, cards, payment acceptance and integrations for SMEs and freelancers. Comparable to Bivial's Business/Entrepreneur Account proposition and SMB digital onboarding flow.
• Holvi: Finland-based licensed digital bank for entrepreneurs, freelancers and SMBs offering IBAN accounts and business banking tools. Closely comparable to Bivial's entrepreneur/SMB banking focus within the European market.
• Revolut: Global multi-currency digital bank offering IBANs, multi-currency accounts, cards and cross-border transfers for individuals and businesses. Directly comparable to Bivial on Swiss/EU IBAN-based multi-currency banking for digital businesses and entrepreneurs.
• Mercury: US-based digital business bank with multi-currency support, virtual cards, and APIs targeted at startups and tech companies. Comparable to Bivial's startup and SMB segment focus, modular product (accounts + cards) and self-serve motion.
• N26: European licensed digital bank offering multi-currency accounts, cards and SEPA payments to consumers and freelancers. Comparable to Bivial's regulated European multi-currency account + card offering for individual entrepreneurs.
• Bunq: EU-licensed digital bank providing multi-currency IBAN accounts, business banking and cards across Europe. Closely comparable to Bivial on regulated EU IBAN-based business banking with modern self-serve onboarding.
• Wise: Cross-border payments specialist with multi-currency account holding (including non-resident IBANs) for individuals and businesses. Overlaps with Bivial's outbound SWIFT, local payments and multi-currency wallet proposition for digital merchants.

Emerging players

• SumUp: European payments and merchant account provider serving SMBs and online sellers with card acceptance and business accounts. Comparable to Bivial's Merchant Payment Accounts and card-acceptance value proposition for digital SMEs.
• Pleo: European business spend management platform issuing virtual/physical cards and offering accounts for SMBs. Comparable to Bivial's business card and account offerings, though Pleo leans more into expense management than core banking.

Broad incumbents

• Stripe: Global payments infrastructure platform serving online businesses with card acceptance, payouts and multi-currency treasury. Comparable to Bivial's merchant payment acceptance and cross-border disbursement layer, though Stripe is a broader incumbent.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bivial AG