FAQs.

Founded in 2019, Bivial AG is a deposit-taking financial institution offering online businesses access to Swiss multi-currency IBAN accounts, global payment acceptance, and digital disbursement solutions.

Bivial’s mission is to solve the widening gap between the transactional and payment needs of online companies and the antiquated systems, processes, and experiences offered by brick-and-mortar financial institutions.

At Bivial, we built the technology and operational focus needed by online companies by providing digital merchants with modern Swiss transactional accounts, payments and digital disbursement solutions.

Businesses we can serve: Affiliate Networks, Marketplaces, Affiliates, Marketers, Social Influencers, Online Merchants, Fintechs & PSPs.

Bivial AG is a deposit-taking financial institution authorised by the Swiss Financial Market Supervisory Authority (FINMA) under the Swiss Federal Banking Act, Article 1b.

An EMI license, or Electronic Money Institution license, is a type of financial regulation that allows a company to issue electronic money and provide payment services and is granted by a national regulatory authority, such as the Financial Conduct Authority in the UK.

Bivial is authorised by FINMA under the Swiss Federal Banking Act, Article 1b. The Swiss Federal Banking Act sets out the legal framework for Banks and Savings Banks in Switzerland.

An EMI license is a specific type of license that allows a company to engage in limited activities related to electronic payments, while the Swiss Federal Banking Act is a broader piece of legislation that establishes the legal framework for the banking industry in Switzerland.

Bivial AG is located in Zug, Switzerland.

You can find our full contact details here.

You can click here to view the complete list of forbidden and restricted countries.

Please contact your Customer Support Agent to enquire if any other possible payment routes are available.

You can fill in the form here or email us directly at accounts@bivial.com.

You can find information about Bivial’s pricing plan by emailing us directly at accounts@bivial.com.

You can add new users to your account by logging in to your Bivial dashboard and following the below steps:

1. Click on ‘Contract management’.
2. Go to the tab named ‘Team’.
3. Click ‘Invite teammate’.
4. Select the user’s role: Signatory, View and data entry, View only, Cardholder.
5. Complete the required details and submit the request.

To change your primary email, you will have to log in to your Bivial dashboard, click on your name on the right-hand side, go to your personal profile and update the email.

To update the company details, you will have to log in to your Bivial dashboard, click on ‘Contract Management’, seen on the left-hand side, and then click on ‘Business details’; from there, you can make the necessary changes.

Yes, CHF accounts are the base accounts for all our clients. Other accounts can be added upon request.

Please note that EUR, USD, GBP or any other foreign currency accounts can not be requested as base accounts.

If you already have an active account with Bivial, you may simply click “Add New Account” on your Bivial dashboard.

Alternatively, please fill in the form here with your request or email us directly at support@bivial.com, and our team will be in touch with you shortly.

Bivial supports the following payment methods:

Collect Funds (Incoming transactions)

• Bank Transfers
  • CHF (SIC)
  • EUR (SEPA, SWIFT {Target 2} )
  • USD (SWIFT)
  • GBP (BACS, Faster Payments)
• 9 other local currencies
• 456+ local payment methods globally (Kiosks, ATMs, Wallets, Vouchers)
• Card Schemes

• Bank Transfers
  • CHF (SIC)
  • EUR (SEPA, SWIFT {Target 2} )
  • USD (SWIFT)
  • GBP (BACS, Faster Payments)
  • 81 other local currencies
  • 456+ local payment methods globally (Kiosks, ATMs, Wallets, Vouchers)
  • Push-to-card
  • Card Issuing (Debit, Cashback)

Our Cross-Border International Payments service offers settlement in 90+ currencies in 160+ countries. It enables businesses to make predictable, fast, and secure global transfers for less.

AUD, CAD, CHF, EUR, GBP, JPY, NOK, NZD, SEK, USD and more. Find the complete currency list here.

The table below lists all 2026 public holidays in Zug.

You can fill in the form here or email us directly at support@bivial.com. You can also call us on +41 41 552 0093

If you are not entirely satisfied with the service provided, we would like to hear from you. We aim to rectify issues as quickly as possible, and where applicable, we will take steps to prevent any potential issues from recurring. If you are still not satisfied, please review our Complaint handling procedure.

No, Bivial offers a digital client onboarding experience with 2-way video verification.

To book a video verification, simply follow these steps:

1. Look out for our email invitation.*
2. Verify your email address and phone number as prompted.
3. Proceed to schedule your video verification at your convenience.

To schedule and join a video verification, please follow the steps below:

1. Log in to your Bivial profile.
2. Go to the “Personal onboarding” tab.
3. Fill in your profile details and complete the phone verification.
4. On the “Video verification” tab, click on the “Book time” button to open a pop-up calendar.
5. The “Go to verification” button will be enabled 10 minutes before the booked time. Click on it to join the video verification at the booked time.

If you wish to reschedule or cancel your booked video verification call, you may do so via your Bivial dashboard.

Please be aware that in case of cancellation, you must contact us as soon as possible but no later than 1 hour before the appointment. If you do not inform us that you are unable to attend the call, a fee will be applied to your account to cover preparation costs.

During the call, please have with you:

• Your ID or passport and ensure that the document is up to date
• Your mobile phone device

Our Back Office will be in touch to request all the necessary documentation.

The standard documents required are listed below:

1. Certificate of Incorporation
2. Certificate of Directors
3. Certificate of Shareholders
4. Memorandum & Articles of Association
5. Signed Group ownership structure
6. Latest audited financial statements (or latest management accounts)
7. UBO proof of ID

Yes, Bivial virtual business debit cards are supported by Apple Pay and Google Pay.
Click on the links below to find the necessary steps to add the card to your wallet:

• Apple pay
• Google pay

Register to become a Bivial Introducer by filling in this form. Our team will review your application and get back to you shortly.

For more details, please visit Bivial’s Partnership page or contact our Partnership team directly at partnerships@bivial.com.

Once your partnership relationship is verified and activated, you will receive your dedicated tracking URL, which can be shared with potential clients.

More information on Bivial’s Partnership program here or contact our Partnership team directly at partnerships@bivial.com.