**Helpful Links**

 ##### **Notification for non-Swiss users** You are about to enter the Bivial AG website and it looks like your IP address is located outside of Switzerland. Please read the regulatory information below if you are not located in Switzerland. If you are located in Switzerland, you can proceed by clicking **“Continue”** to access the Bivial AG website. ##### **Regulatory Information** Bivial AG is a deposit-taking institution regulated under the Swiss Federal Banking Act Article Art. 1b. and supervised by the Financial Market Supervisory Authority (FINMA). The products and services on this website are authorised for sale in Switzerland. Unless authorised by the supervisory authority of that country, Bivial AG may not promote its products and services abroad. Clicking **“Continue”** to visit this website from outside Switzerland implies that you have read and understood the above information, and you are doing so on your own initiative without any active promotion or solicitation on the part of Bivial AG. Continue Products Use Cases Pricing Partnerships Company Talk to Us [Login](https://dashboard.bivial.com/) Get Started # FAQs. ## General [Who is Bivial AG?](https://www.bivial.com/faq#FAQ-001) Founded in 2019, [Bivial AG](https://www.bivial.com/about) is a deposit-taking financial institution offering online businesses access to Swiss multi-currency [IBAN accounts](https://www.bivial.com/virtual-iban-accounts), [global payment acceptance](https://www.bivial.com/cross-border-payments), and [digital disbursement solutions](https://www.bivial.com/api). [Why was Bivial AG founded?](https://www.bivial.com/faq#FAQ-002) 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. [Which businesses does Bivial serve?](https://www.bivial.com/faq#FAQ-003) [Businesses we can serve](https://www.bivial.com/use-cases): Affiliate Networks, Marketplaces, Affiliates, Marketers, Social Influencers, Online Merchants, Fintechs & PSPs. [How is Bivial AG regulated?](https://www.bivial.com/faq#FAQ-004) [Bivial AG](https://www.finma.ch/en/~/media/finma/dokumente/bewilligungstraeger/pdf/fintech.pdf?la=en) is a deposit-taking financial institution authorised by the Swiss Financial Market Supervisory Authority (FINMA) under the Swiss Federal Banking Act, Article 1b. [What differentiates Bivial from an EMI?](https://www.bivial.com/faq#FAQ-005) 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. [Where is Bivial AG located?](https://www.bivial.com/faq#FAQ-006) Bivial AG is located in Zug, Switzerland. You can find our full contact details [here](https://www.bivial.com/impressum). [Is Bivial available globally?](https://www.bivial.com/faq#FAQ-007) You can click [here](https://www.bivial.com/pdf/Bivial%20AG%20-%20Appendix_forbidden%20countries%20list%20directive%20combating%20money%20laundering%20&%20terrorism%20financing.pdf) to view the complete list of forbidden and restricted countries. Please contact your [Customer Support Agent](mailto:support@bivial.com) to enquire if any other possible payment routes are available. ## Account [How can I open an account with Bivial?](https://www.bivial.com/faq#FAQ-008) You can fill in the form [here](https://www.bivial.com/talk-to-us) or email us directly at [accounts@bivial.com](mailto:accounts@bivial.com). [Where can I find the prices?](https://www.bivial.com/faq#FAQ-009) You can find information about Bivial’s pricing plan by emailing us directly at [accounts@bivial.com](mailto:accounts@bivial.com). [How can I add a new user to my account?](https://www.bivial.com/faq#FAQ-010) You can add new users to your account by logging in to your [Bivial dashboard](https://dashboard.bivial.com/auth/login) 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. All new account requests must be digitally signed by the account’s authorised person. Please note that a new Board of Directors resolution will be required if new authorised persons are added to the account. The [Bivial Support team](mailto:support@bivial.com) can provide a template document. [How can I update my primary email address?](https://www.bivial.com/faq#FAQ-011) To change your primary email, you will have to log in to your [Bivial dashboard](https://dashboard.bivial.com/auth/login), click on your name on the right-hand side, go to your personal profile and update the email. [How can I change my company’s details?](https://www.bivial.com/faq#FAQ-012) To update the company details, you will have to log in to your [Bivial dashboard](https://dashboard.bivial.com/auth/login), click on _‘Contract Management’_, seen on the left-hand side, and then click on _‘Business details’_; from there, you can make the necessary changes. [Is a CHF account mandatory?](https://www.bivial.com/faq#FAQ-013) 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. [How can I open a EUR, USD, GBP or any other foreign currency account?](https://www.bivial.com/faq#FAQ-014) If you already have an active account with Bivial, you may simply click “Add New Account” on your [Bivial dashboard](https://dashboard.bivial.com/auth/login). Alternatively, please fill in the form [here](https://www.bivial.com/talk-to-us) with your request or email us directly at [support@bivial.com](mailto:support@bivial.com), and our team will be in touch with you shortly. [Which payment methods does Bivial support?](https://www.bivial.com/faq#FAQ-015) 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 Disburse Funds (Outgoing Payments) - 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) Please contact the [Bivial Support team](mailto:support@bivial.com) if you wish to find out more. [What are the supported currencies for Cross-Border Payments?](https://www.bivial.com/faq#FAQ-016) 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](