Viva.com

Who it's for

Viva.com is built for merchants and platforms accepting online payments with the local methods European customers expect. It operates with a full banking licence - deposit-guaranteed accounts and credit products are on the table. Verified stand-outs: local IBANs in GR; published entry pricing (from 2.06%/tx (0% w/ cashback card)).

Sovereignty profile

• Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
• Company origin: EU core (Greece)
• Ownership / control: no change of control on record
• Local IBANs: GR
• Client funds: deposits at a credit institution - deposit guarantee scheme applies (up to EUR 100,000)

What Viva.com does

Capabilities & rails

• Local-payments coverage: Regional / pan-European
• Local payment schemes: iDEAL, Bancontact, Przelewy24, Klarna
• E-commerce integrations: Shopify, WooCommerce, Magento, PrestaShop
• Payment rails (documented): SCT · SCT Inst
• Account model: Dedicated
• Account currencies: EUR
• Entry price: from 2.06%/tx (0% w/ cashback card) (as of verification - confirm at source)

Verified licence profile

Viva.com (Greece) - payments, card issuing and business accounts across the EEA-31 and UK; ALL account IBANs are Greek (GR) - help centre (Jan 2026): "the option to select or issue a local IBAN is not supported" (earlier local-IBAN positioning withdrawn; the account product page no longer mentions IBANs at all). Greek banking licence (VIVABANK SA) + EMI, Bank of Greece; JPMorgan majority owner.

Verified 2026-07-20. How we verify → · Official website: viva.com · Spotted something out of date? Report a correction.

Official register entries

• E-money institution (EMI) - Central Bank of Hungary · Ref 27919750 · Active (EBA PSD2 register, as of 2026-09-18)
• E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 989273 · Active (FCA Financial Services Register, as of 2026-09-18)

Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.

Timeline

• 2026-01-19 [product] Help centre confirms all IBANs issued are Greek (GR) for all customers - "the option to select or issue a local IBAN is not supported"; earlier local-IBAN positioning across EEA markets withdrawn.