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E-money institution · Switzerland
According to its official website, Bivial is a Swiss financial institution, formerly Klarpay AG, incorporated in Zug as an Aktiengesellschaft on 18 Dec 2019. The website says the company is a deposit-taking financial institution authorised by FINMA under Article 1b of the Swiss Federal Banking Act. Bivial offers digital businesses such as affiliate networks, marketplaces, affiliates, online merchants, fintechs and payment service providers Swiss IBAN accounts in 19 currencies, including CHF, EUR, USD, GBP, AED and TRY. Its products include business, share capital, merchant payment, client funds and virtual IBAN accounts; payment acceptance via cards, alternative payment methods and direct debit; bank transfers to more than 160 countries, local payouts, push-to-card and mass payouts; currency exchange; and Visa physical and virtual debit cards. Entrepreneur accounts are offered on a limited basis only to individuals with an existing relationship with corporate account holders. The website says deposits are guaranteed by the UBS Group and that accounts are opened fully online with video identification; it has a representative office in Zurich. The Swiss entity Bivial AG is listed in FINMA's list of FinTech licence holders. This information is the company's own statement.
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No complaint records have been compiled for Bivial yet, so no comparison list is shown. Below are institutions operating in the same service area whose licences are verified.
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According to the data, Bivial has 1 verified licence (FINMA); there are no classified user reports yet. This page does not express an opinion; licence records come from official registers and reports from sourced records.
Licences verified in official registers: FINMA (Switzerland).
No classified user reports about Bivial yet. Sources: Trustpilot, Şikayetvar, WikiFX, FastBull.
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Licence records are checked against official registers (last verification 25.10.2026). Complaint records are re-scanned every month on Trustpilot, Şikayetvar, WikiFX, FastBull. The institution’s details were last checked on 25.10.2026.
