Viva.com review
Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 28, 2026
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Our verdict
Viva.com suits businesses managing team spend for daily purchases and cash access with debit cards issued on Mastercard. ATM allowance of £1,000 with conversion fee of 3%, issued by Viva Wallet.com Limited under Financial Conduct Authority authorisation, backed by support across chat, phone and help centre.
Key facts
- Best for
- Business teams managing everyday card spend
- Monthly fee
- £0 to £2.99↗
- Currency conversion fee
- 3%↗
- Free ATM withdrawals
- £1,000↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Legal entity
- Viva Wallet.com Limited↗
- Support channels
- Chat, Phone, Help-centre↗
- Features
- Virtual card, Travel
- Audience
- Business
- Official website
- viva.com
Facts checked September 28, 2026, 3 sources
Pros and cons
Pros
- ATM allowance of £1,000 for business cash access.
- Debit cards issued on Mastercard as shown by debit.
- Support across chat, phone and help centre for day to day queries.
Cons
- Conversion fee of 3% adds cost on foreign currency spend.
- Business focus shown by business limits fit for personal spending.
Who it suits
- Firms choosing Viva.com over eToro for staff debit cards issued on Mastercard.
- Teams choosing Viva.com over Bitpanda for ATM allowance of £1,000 and business controls.
Who should look elsewhere
- Personal shoppers who may prefer Bitpanda for a personal card rather than business cards aimed at business.
- Travellers with heavy foreign spend who may prefer eToro after weighing conversion fee of 3%.
How Viva.com compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.2Monthly fee is €0, which may suit readers comparing card costs across providers.
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.3
9.2 vs 8.9
9.2 vs 8.6
9.2 vs 9.2
9.2 vs 8.4
9.2 vs 8.5
9.2 vs 8.8
9.2 vs 9.0
9.2 vs 8.6
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.0- 9.2 vs 8.0
Where Viva.com is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Spain, Sweden, United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (989273), checked September 28, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is the monthly fee?+
Monthly fee runs £0 to £2.99. The lower end allows a free entry point, while the upper end applies where paid plan terms apply. Check which plan matches team size and card needs before applying.
How much cash can be withdrawn from ATMs?+
ATM allowance is £1,000. Cash access follows plan limits, so regular cash users should match expected withdrawals to the allowance. Terms for amounts above the allowance depend on the selected plan.
What does foreign spending cost?+
Currency conversion fee is 3%. It applies when spending in a currency other than the account currency. Travellers and firms paying suppliers abroad should include this fee when comparing total card cost.
What type of card is offered?+
Card type is debit on Mastercard. Cards draw on available funds rather than a credit line. Mastercard acceptance allows use for in store and online business purchases where that network is accepted.
Is Viva.com for business or personal use?+
Audience is business. Features include virtual card and travel, with virtual cards for online use and travel related spending. It suits firms issuing cards to staff rather than households seeking a personal card.
Who provides the card and how is support contacted?+
Viva.com operates through Viva Wallet.com Limited under Financial Conduct Authority authorisation shown by 989273. Support is available across chat, phone and help centre for account and card queries during use.
Sources
- viva.com/en-gb/about/the-company checked September 28, 2026
Backs: Legal entity, Licences
“Viva Wallet.com Limited (trading as Viva.com) is an Electronic-Money Institution”
- viva.com/en-gb/pricing checked September 28, 2026
Backs: Free ATM withdrawals, Currency conversion fee, Monthly fee, Support channels
“first 3 withdrawals or first £1.000 per calendar month: FREE - viva.com Account”
- viva.com/en-gb/product/issuing checked September 28, 2026
Backs: Audience, Card type, Features, Card network
“Issue your business cards instantly - Viva.com Mastercard debit cards”
Compiled from 3 source pages, checked September 28, 2026. We did not open an account.
Not confirmed yet: Protection.