Bivial's Q3 & Q4 In Review

As we close out 2025 with significant momentum, marked by product innovation, enhanced payment capabilities, and inspiring sporting achievements. The second half of the year showcased the company’s commitment to empowering customers with faster, safer, and more flexible financial tools, while also supporting local talent on the world stage.

Personalised IBANs.

Rounding out the year, Bivial debuted Personalised IBANs, allowing customers to choose IBAN formats tailored to their identity or business branding. This unique feature reflects Bivial’s dedication to personalisation, transparency, and customer empowerment, delivering a financial experience that's not just functional but memorable, trustworthy, and uniquely yours.

Authenticator App.

Security and user autonomy took a major leap forward with the release of the Bivial Authenticator App, designed to offer seamless two-factor authentication for everyday digital actions and transactions, including logins, fund transfers, card transactions, and sensitive approvals. This proprietary solution marks another step in Bivial’s broader initiative to strengthen account security while maintaining an effortless user experience.

Physical Visa Debit Cards.

Responding to growing customer demand for versatile payment options, Bivial rolled out its new Physical Visa Debit Cards. The cards offer global acceptance and high-end security features. Together with Bivial’s virtual card capabilities, customers now benefit from a comprehensive, modern card suite for both online and in-person spending.

Entrepreneurs Gain Apple Pay Integration.

In Q4, Bivial expanded its support for entrepreneurs by enabling Apple Pay. This enhancement gives founders and teams a streamlined, faster, and more secure way to make contactless purchases using their iPhone or Apple Watch devices.

Instant 24/7 CHF Payments.

One of the most anticipated releases of the year arrived in Q3 when Bivial activated Instant 24/7 Swiss Franc (CHF) payments. Clients can now send and receive CHF transfers within seconds, anytime, any day of the year. This upgrade dramatically enhances user convenience while aligning Bivial with the latest banking standards for real-time payments.

Expanded reach with dedicated CZK & SGD Accounts.

Bivial has expanded its international payment capabilities with the launch of dedicated CZK and SGD Accounts, enabling online businesses to collect, store, and disburse payments in Czech Koruna and Singapore Dollar globally through their Bivial Account. Combined with Bivial’s IBAN Accounts, SEPA and SWIFT access, and support for over 160 countries and 90+ currencies, this addition enhances flexibility and control for companies managing cross-border payments via Bivial’s all-in-one dashboard.

Celebrating Success.

Best Use of Tech in Business Payments.

Bivial has won the “Best Use of Tech in Business Payments” award at the PayTech Awards 2025, recognising its API-driven platform that delivers seamless cross-border payments, Swiss IBANs, and real-time financial management for digital businesses. The award highlights Bivial’s secure, scalable infrastructure, real-time payments, and automated compliance, as well as its rapid growth since launching in 2022, achieving profitability within six months and a 110% increase in annual profit in 2024.

Bivial Celebrates Alicia Pfyffer von Altishofen’s Top-10 Mini Transat Finish.

In a proud display of Swiss spirit and adventure, Bivial announced its sponsorship of Swiss Atlantic sailor Alicia Pfyffer von Altishofen, supporting her through one of the world’s most demanding solo offshore challenges. The partnership reflects Bivial’s alignment with determination, resilience, and forward-thinking ambition, qualities that define both its customers and its corporate mission.

Alicia delivered exceptional results this fall, securing a top-10 finish, standing as the only woman among the leading sailors in one of the world’s most demanding solo offshore races. Bivial celebrated this milestone as a testament not only to Alicia’s skill and perseverance but also to the strength of representation in international sailing. Her journey continues to inspire the Bivial community and reinforces the impact of supporting local talent.

Looking Ahead.

With significant product releases, enhanced payment capabilities, security innovations, and a celebrated sporting partnership, 2025 has been a defining year for Bivial. These advancements set a strong foundation for continued growth as the company enters 2026 with renewed ambition and a focus on expanding its impact across Switzerland and beyond. Talk to us.