Viva.com review
Updated October 12, 2026 · DebitCue Editorial Team
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Our verdict
Viva.com is the first tech bank in Europe offering an all in one platform that joins payments, bank accounts and business tools for firms across 29 markets. For owners who want one business account to run sales and banking together, it supports daily operations rather than personal spending.
Key facts
- Best for
- Businesses wanting banking and payments in one place
- Official website
- viva.com
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Combines payments, bank accounts and business tools in a single European platform
- Serves businesses across 29 markets with pan European banking infrastructure
- Offers omnichannel sales support from in person devices to online marketplace flows
- Works with more than 450 technology partners on software and hardware solutions
Cons
- Designed for businesses, so it gives little to personal current account holders
- Centres all activity in one platform, which limits choice if you prefer separate providers
- Focuses on Europe, so firms operating mainly outside the region gain less
Who it suits
- Restaurants and hotels taking varied customer payments
- Retailers and supermarkets managing till and online sales
- Growing firms wanting banking and payments together
Who should look elsewhere
- People seeking a personal everyday account
How Viva.com compares
Frequently asked questions
What is Viva.com?+
Viva.com is the first tech bank in Europe. It provides an all in one platform that joins payments, banking services and business solutions. You can use one system to take payments, hold a bank account and run daily operations with efficiency at scale.
Who can use Viva.com?+
Viva.com provides value driven services to businesses across Europe. It suits restaurants and hotels, supermarkets and convenience stores, and ticketing and entertainment businesses. You can create an account fast and manage payments, banking and business operations from a single platform.
Which countries does Viva.com serve?+
Viva.com operates as pan European banking infrastructure across 29 markets. It connects directly to Multibanco, Portugal's payment network, for MB and MB WAY payments in Portugal and throughout Europe. It also holds a Cyprus state payment services contract covering electronic payments to the Cypriot state.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Card type, Protection.