Entrepreneur Accounts for Business Use.

A personal Swiss account with Bivial.

Streamline your business finances with the flexibility of a personal account built for professional use. Secure international payments, multi-currency management, and comprehensive account oversight are available via an all-in-one Dashboard.

*Bivial Entrepreneur Accounts are currently available on a limited basis and are offered only to individuals who have an existing relationship with our corporate account holders.

"We're committed to empowering entrepreneurs, propelling their businesses to new heights worldwide."

Personal IBAN accounts under your name.

Open one or multiple IBAN accounts connected with your Entrepreneur Account. Effortlessly separate funds for clients, projects, or regions while keeping control through a single, intuitive Dashboard.

Visa debit cards connected to your account.

Link your Visa debit cards to your Entrepreneur Account for secure purchases. Pay online or in-store worldwide, track every transaction in real time, and keep your business expenses neatly organised.

Account Management and Beyond.

Manage your finances across several accounts with ease and choose supported currencies that best match your needs. With an Entrepreneur Account, receiving personal income or client payments, transferring funds internationally, and converting currencies have never been easier.

Global transfers.

Send and receive funds through SIC, SEPA, SWIFT, or ACH, no matter where in the world you are. An Entrepreneur Account also enables instant, fee-free payments between Bivial accounts—ideal for frequent business transactions with regular partners or suppliers.

Safety of Funds.

Bivial is authorised by the Swiss Financial Market Supervisory Authority (FINMA) and stores your funds in a world-renowned jurisdiction recognised for strong financial protections and robust oversight.

Privacy.

Bivial complies with the strictest privacy regulations worldwide. All transactions are protected by advanced encryption, multi-factor authentication, and continuous monitoring to detect and prevent fraudulent activity, so your business finances remain secure at every stage.

Personal Visa debit cards linked to your account.

Enhance your Entrepreneur Account with a personal Visa debit card for borderless, secure payments. It's an easy way for you to buy, send, and withdraw—no hidden fees. Online transactions are protected with 3D Secure and two-factor authentication.

No hidden fees.

3D Secure for online purchases.

Two-factor authentication.

Dedicated Support team.

FAQs.

What is an entrepreneur account?

A Bivial Entrepreneur Account is a personal business account that allows entrepreneurs, UBOs, or the Management team of a company that already holds a Bivial Corporate Account to manage finances from a convenient, all-in-one platform. You can connect your Visa debit cards to the account, oversee finances via the Dashboard, transfer funds globally, and rest assured that all transactions remain secure.

What do I need to open an Entrepreneur Account?

To apply online for an Entrepreneur Account, you must have an existing relationship with one of Bivial's corporate account holders. During onboarding, you will need to provide valid identification, proof of address, and details of your business activity. Once verified, you'll receive access to the Bivial Dashboard, where you can manage accounts, send international payments, and track all financial activity.

Can I open multiple accounts?

Yes, you can open multiple accounts under your main Entrepreneur Account. By doing so, you can allocate accounts for different clients, projects, or regions. All data can be monitored through a single Dashboard. Control cash flow and minimise accounting errors with absolute transparency.

Can I use a personal account to receive client payments and run a business?

Yes, however, the business activity may be limited; that's why an Entrepreneur Account is a better option when using a personal account for business. It gives you access to dedicated payment solutions and cash access services that personal accounts alone may not offer. It also makes receiving money abroad easier and more secure, since payments are processed in line with financial services regulations.

Does my client need a Bivial account to send me money?

No, not necessarily. Clients can send funds from any financial institution directly to your open personal account via SIC, SEPA, SWIFT, or ACH. If your client also has an account with Bivial, transfers would be instant and fee-free—an excellent benefit for regular partners or suppliers.