Tantum vs Narvi: A Multi-Currency Corporate Account in the EEA

A multi-currency corporate account in the EEA — and how it compares to Narvi

What to look for in an EEA business account

Choosing a regulated payment institution for your business is rarely about one feature. It's about whether the account fits how your money actually moves: the currencies you invoice and pay in, the IBAN your counterparties expect, whether you receive payments from end customers as well as other businesses, and how the provider is supervised. The right question isn't „which is cheaper" — it's „which is built for what your business actually does."

Tantum is built for businesses that need their EEA account to work across currencies, jurisdictions, and payment flows — not just within one of each.

What Tantum offers

Tantum is a corporate operating account for EEA businesses, designed for companies that need their payments to work without compromise. It's regulated by the Financial Market Authority (FMA) Liechtenstein and passported across the European Economic Area, so the account that opens for your business in Liechtenstein works the same way across the EEA.

Multi-currency support

EUR, USD, GBP and CHF as the current standard set, with additional currencies available on request. Invoice in dollars, pay suppliers in sterling, hold Swiss franc balances — without forcing every transaction through the euro.

Dedicated IBANs in your company name

Real IBANs that belong to your business, not pooled account numbers. Euro IBANs issued across multiple European jurisdictions, with a Swiss franc IBAN issued in Liechtenstein.

Built for operative use

Payroll, supplier payments, client receipts, and consumer-facing payments — the day-to-day flows of a working business — sit naturally in one account.

Mass payouts and API access

Bulk payment runs via CSV upload or API. Real-time balance and transaction dashboard. API-first architecture for businesses that want to integrate their account into their own systems.

Regulated in Liechtenstein

Licensed and supervised by the FMA, a long-established European financial regulator. EEA-passported under the EU Electronic Money Directive, with Liechtenstein's professional ecosystem around corporate and trustee structures behind it.

Dedicated account manager

A named contact who knows your business, rather than a generic ticket queue. Particularly relevant for businesses where context matters.

About Narvi

Narvi Payments Oy Ab is a Finnish Electronic Money Institution, supervised by the Financial Supervisory Authority of Finland (FIN-FSA) and passported across the EEA. Narvi offers euro business accounts with dedicated Finnish IBANs, SEPA Instant and SWIFT payments, an API-driven platform, and multi-user access. Their business is organised into five tiers — European Startups, International Companies, Medium Risk, High Risk, and Enterprise — with onboarding and pricing tailored to each.

For EEA-incorporated businesses with a straightforward low-risk profile that operate primarily in euros within the SEPA zone, Narvi is a clean, well-regarded option.

Where Tantum and Narvi differ

1. Multi-currency support

Tantum supports EUR, USD, GBP and CHF as standard, with additional currencies available on request — all within a single corporate account with dedicated IBANs.

Narvi: offers euro business accounts. Businesses that need to hold or transact in USD, GBP or CHF will need separate arrangements.

2. IBAN jurisdictional range

Tantum issues euro IBANs across multiple European jurisdictions, plus a Swiss franc IBAN in Liechtenstein. Useful for businesses whose clients or counterparties expect a local-jurisdiction IBAN.

Narvi: issues Finnish (FI) IBANs. A single jurisdiction for all account holders.

3. Consumer-facing payments

Tantum corporate accounts are designed for operative business use, including payments from end customers (C2B and B2C), alongside B2B and operational flows.

Narvi: states on its own pricing page that Medium Risk and High Risk accounts „are not eligible for C2B and B2C payments" — consumer-facing payments are reserved for the Enterprise tier.

4. Jurisdiction

Tantum is regulated by the FMA in Liechtenstein — a long-established European financial centre with a professional ecosystem around corporate and trustee structures.

Narvi: regulated by FIN-FSA in Finland. Both are EEA-passported under the EU Electronic Money Directive.

At a glance

Details about Narvi are taken from Narvi's own public website and pricing page, accurate as of the publication date. Verify current terms directly with Narvi before deciding.

A multi-currency corporate account, regulated where it matters

Open a Tantum corporate account with multi-currency support and dedicated IBANs across multiple European jurisdictions — regulated by the FMA Liechtenstein, with EEA passporting.

Explore Tantum Corporate Accounts

Frequently asked questions

What currencies does Tantum support?

Tantum corporate accounts support multi-currency operations, with EUR, USD, GBP and CHF as the current standard set and additional currencies available on request. Dedicated IBANs are issued in your company's name.

Is Tantum a regulated EMI?

Yes. Tantum AG is an Electronic Money Institution licensed and supervised by the Financial Market Authority (FMA) Liechtenstein, with passporting rights across the European Economic Area. Tantum is not a bank and does not accept deposits or provide lending; accounts are e-money accounts under the EU E-Money Directive.

Can I accept payments from end customers with a Tantum account?

Yes. Tantum corporate accounts are designed for operative business use, including receiving payments from end customers, paying suppliers, and running payroll. By comparison, Narvi states on its own pricing page that its Medium Risk and High Risk business accounts are not eligible for C2B and B2C payments; consumer-facing functionality is reserved for Narvi's Enterprise tier.

How does Tantum compare to Narvi for international businesses?

Both are regulated European EMIs offering business accounts with dedicated IBANs. Tantum supports multi-currency operations (EUR, USD, GBP, CHF as standard, with more on request) and issues IBANs across multiple European jurisdictions; Narvi offers euro business accounts with Finnish IBANs. For businesses operating in more than one currency, or whose counterparties expect IBANs in their own jurisdiction, Tantum is generally the broader product.

Where is Tantum regulated?

Tantum AG is regulated by the Financial Market Authority (FMA) Liechtenstein, with passporting rights across the European Economic Area. Liechtenstein is a long-established European financial centre with a strong professional ecosystem around corporate and trustee structures.

Tantum AG is a regulated e-money institution under the supervision of the FMA Liechtenstein. Tantum does not offer banking services or bank accounts as defined by Liechtenstein or EU banking law; all accounts referred to are e-money accounts used for payment services under the E-Money Directive. Tantum is not authorised to accept deposits or provide lending.

This page contains a comparison with another payment institution. The content of this page has not been reviewed or approved by Narvi Payments Oy Ab. All statements about Narvi Payments Oy Ab are drawn from publicly available information on their own website and may not reflect their current offering — please verify directly with the provider before deciding.

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