The Modern Swiss Account.
A globally connected payment infrastructure designed for entrepreneurs and businesses - from startups to supervised entities with demanding structures.
Core Products.
Share Capital Accounts
A fast way to deposit and evidence paid-in share capital for Swiss company formations.
Learn MoreBuilt For High-Growth & Regulated Businesses.
Startups.
For startups with revenue less than 2M CHF, Bivial provides financial services structured to support the operational demands of early-stage growth.
Individuals.*
Entrepreneurs and executives require reliable access to a platform for global remittances. Bivial enables entrepreneurs to send and receive funds across multiple currencies.
*Bivial Entrepreneur accounts are currently available on a limited basis and are allowed for individuals with an existing relationship with our corporate account holders.
Bivial is a financial institution authorised by the Swiss Financial Market Supervisory Authority (FINMA) under the Swiss Federal Banking Act (Article 1b). The platform is also Level 1 PCI DSS certified, meeting the highest international standards for payment security.
Payment and Connectivity Capabilities.
Inbound Payments
Outbound Payments
Integrations
Inbound Payments
Accept payments via Bank Transfers, Cards, Alternative Payment Methods and Wallets.
Transactional Banking
Merchant Payments
Latest News.
Bivial Introduces a Fully Digital Share Capital Account for Faster Account Opening in Switzerland
Read More
About Bivial.
Bivial AG was established in order to address a recognised problem: online businesses of all sizes often struggle with the complexities of sending and receiving money internationally, as well as managing funds reliably. Our platform addresses this need by making cross-border transactions simple and fast.
Why Bivial Was Created.
Online Businesses
Lack of access to efficient transactional banking
Traditional Banks
Lack of modern technical infrastructure and operational focus
Bivial bridges the gap between online businesses and traditional banks by providing digital merchants with modern transactional banking and digital disbursement solutions.
Trusted by 600+ businesses. Here’s what they say.
Card Issuing
At Wallester, we truly value our partnership with Bivial - a collaboration that blends operational reliability with a genuinely human approach. Their consistent support and shared commitment make this partnership seamless and trusted.
Artur Lemming
Chief Administrative Officer
Payment Services
In today’s complex and tightly regulated financial landscape, success relies on banking partners who integrate strong governance with agility and business intelligence. From the outset, Bivial has demonstrated transparency, clarity and understanding of our operating environment. Their unwavering support and swift, solution-oriented responsiveness set them apart as a trusted and valued partner.
Irina Zuyeva Anikin
Finance Controller & DPO
Brokerage Services
Our clients at Exante expect a seamless experience regardless of where they are in the world. Supporting that expectation requires partners who can combine operational excellence with deep expertise. What truly sets Bivial apart, however, is the balance they strike: you get the efficiency of a cutting-edge platform alongside a dedicated team offering genuine human support. Bivial doesn’t just provide a service; they provide the expertise and personal touch needed to run a truly global business.
Zane Kotane
Chief Operations Officer
Events.
FAQs.
Yes, Bivial is a deposit-taking financial institution authorised and regulated by the Swiss Financial Market Supervisory Authority (FINMA), under the Swiss Federal Banking Act, Article 1b.
Bivial ties the trust of Swiss banking with the innovation of fintech platforms. Our finance automation solutions are designed to help companies streamline digital transactions, eliminating the hassles associated with traditional banks.
Bivial offers Swiss accounts for digital businesses and individuals, supporting seamless electronic transactions in over a dozen currencies: CHF, EUR, USD, GBP, AED, AUD, CAD, DKK, HKD, HUF, JPY, MXN, NOK, PLN, SEK, TRY, ZAR, CZK, and SGD.
Yes, Bivial serves clients worldwide. Businesses can open an online account and send and receive money across international borders stress-free. Click here to view the complete list of forbidden and restricted countries. Please contact Bivial Support to enquire if any other possible payment routes are available.
Bivial strictly adheres to Swiss financial regulatory acts. Our digital platform follows the applicable laws and incorporates top-grade security features, including two-factor authentication, 3D Secure for card transactions, and algorithms designed to thwart fraudulent transactions.
Bivial is led by an experienced executive team and governed by a board of directors with extensive experience in the finance industry. We're incorporated in Zug, Switzerland (ID - CHE-402.707.584) and regulated by the Swiss Financial Market Supervisory Authority (FINMA).
The process to open a Swiss account on Bivial is noticeably easy. The process can be started through the Bivial website, followed by a structured onboarding process.
Bivial welcomes partnerships with forward-thinking companies and professionals. Interested companies and individuals can create a Partner account by filling out the required information. The Bivial team will review the submission and respond within a few business days.