BivialBivial AG is a Swiss deposit-taking financial institution regulated by FINMA that provides modern Swiss accounts for global digital businesses. It offers multi-currency business accounts with inbound and outbound payments, currency exchange, card acceptance, and merchant services, including virtual and personalised IBANs and Visa cards. It enables platform integrations and cross-border payouts across 160+ countries, offering global bank transfers, local and alternative payouts, and push-to-card options to bank accounts, cards, wallets, and other payment methods.