Vialet — Phone number and contact

Vialet Key Facts

• Customer service phone: 22502155682
• Service hours: Monday-Friday, 9am-6pm
• Languages: French, English, Spanish
• Contact methods: Phone, Email, Mobile App, Live Chat

About Vialet

Background and history of Vialet

Vialet is a B2B neobank founded in Lithuania, a country that has become one of Europe's leading fintech hubs thanks to a regulatory framework particularly favorable to financial innovation. Since its creation, Vialet has established itself as an essential player for businesses, freelancers, and professionals seeking a modern, fully digital banking solution adapted to the realities of international trade. Vialet's story is part of the extraordinary dynamism of Lithuania's fintech sector, where hundreds of electronic money institution licenses have been issued by the Bank of Lithuania over the past decade.

Vialet's adventure began in Vilnius, the Lithuanian capital, within an ecosystem where the European Central Bank and local regulators actively encourage the creation of new digital banking players. The Vialet bank obtained its electronic money institution license from the Bank of Lithuania, granting it the right to operate throughout the European Economic Area. This license is a mark of credibility and regulatory compliance, as it imposes strict requirements regarding capital adequacy, anti-money laundering measures, and the protection of client funds.

Vialet's positioning is firmly oriented toward the B2B segment. Unlike many neobanks that primarily target individuals, Vialet made the strategic choice to focus its efforts on the specific needs of businesses. This choice stems from the observation that traditional banks often struggle to offer services suited to SMEs, startups, and sole proprietors, particularly when it comes to speed of account opening, international transaction fees, and the flexibility of financial management tools.

Lithuania, as a member of the eurozone, offers Vialet a considerable advantage: the ability to provide accounts in euros with Lithuanian IBANs recognized throughout Europe. This strategic geographic positioning allows Vialet's clients to benefit from fast and affordable SEPA transfers while accessing an integrated European banking network. The Vialet account has thus become a reference for businesses wishing to operate on a European scale without the constraints of traditional banks.

Over the years, Vialet has developed a comprehensive range of financial services for professionals. From online account opening to multi-currency management, through professional bank cards and integrated accounting tools, the platform has evolved to meet the growing expectations of its clientele. The Vialet application has become the central point of this user experience, enabling users to manage all their professional finances from a smartphone or computer.

Vialet's history is also marked by its ability to attract an international clientele. Thanks to its 100% digital approach and its policy of openness to non-residents, Vialet has appealed to entrepreneurs from around the world who seek simple and rapid access to the European banking system. This international openness is a major asset in a world where economic borders are fading and businesses need flexible, accessible banking solutions from any country.

Lithuania's regulatory environment has played a decisive role in Vialet's development. The Bank of Lithuania has established an environment particularly conducive to innovation, with fast licensing procedures, support for project leaders, and modern technological infrastructure. This favorable framework has enabled Vialet to develop rapidly while maintaining high standards of compliance and security. For any questions regarding the company's history, it is possible to contact support via the Vialet application.

Vialet is part of a broader trend in which B2B neobanks are gaining market share from traditional banking players. This trend is driven by several factors: the accelerated digitalization of businesses, growing expectations regarding pricing transparency, the demand for multi-currency solutions, and the need for integrated, high-performance financial management tools. In this context, Vialet has managed to stand out through a combination of competitive pricing, innovative features, and responsive customer service.

Vialet's evolution also reflects the growing maturity of the European fintech market. While the early years were marked by a race for customer acquisition and geographic expansion, the current phase is more focused on deepening services, improving the user experience, and strengthening regulatory compliance. Vialet has navigated these different phases with agility, constantly adapting its offering to market developments and user feedback. The Vialet customer service plays a central role in this continuous improvement approach.

In summary, Vialet is the product of an ambitious entrepreneurial vision, supported by a dynamic Lithuanian fintech ecosystem and a favorable European regulatory framework. Its story is that of a neobank that identified a promising niche — B2B banking services — and built a comprehensive, competitive offering to meet the needs of modern businesses. At a time when digital transformation is reshaping the financial sector, Vialet positions itself as a partner of choice for professionals seeking a credible alternative to traditional banks.

Vialet's offers and pricing

Vialet's pricing policy stands out for its transparency and competitiveness. In a sector where banking fees are often opaque and complex, Vialet has chosen a clear and accessible pricing schedule, allowing each client to understand precisely what they are paying for and why. Vialet's prices are structured to offer excellent value for money, particularly for businesses that make regular international transactions.

Opening a Vialet professional account is a fully digitalized process that can be completed in minutes from the mobile application or the vialet.eu website. Unlike traditional banks that often require in-branch appointments, paper documents, and processing times of several weeks, Vialet offers a simplified onboarding procedure that includes online identity verification, electronic submission of supporting documents, and immediate account activation once verification is complete.

Vialet offers several subscription plans adapted to different business profiles. The basic plan provides access to essential features at a competitive monthly rate, while premium plans include additional benefits such as higher transaction limits, reduced foreign exchange fees, priority customer support, and advanced reporting tools. This segmentation allows small businesses to benefit from quality banking services at a lower cost while offering larger enterprises solutions tailored to their specific needs.

Vialet's fees for SEPA transfers are among the lowest on the market. Incoming transfers are generally free, while outgoing transfers are charged at a very competitive fixed rate, regardless of the transaction amount. This pricing policy is particularly advantageous for businesses that make a large number of monthly transfers, as the savings compared to traditional banks can be substantial over a year.

For international transactions outside the SEPA zone, Vialet applies transparent transfer fees and competitive exchange rates. The Vialet international transfer allows sending funds in many currencies worldwide, with fast processing times and full visibility on the total cost of the transaction. This transparency is a major asset for businesses that trade with partners located outside Europe and need to control their transaction costs.

The Vialet bank card is available in both physical and virtual versions. The physical card is a Mastercard or Visa debit card that allows payments at point-of-sale terminals and ATM withdrawals worldwide. The virtual card, on the other hand, is ideal for online purchases and can be created instantly from the application. Fees associated with Vialet cards are transparent and generally include an issuance fee, an annual maintenance cost, and withdrawal fees that vary depending on the chosen subscription plan.

Vialet also offers currency exchange solutions at competitive rates. The Vialet exchange rate is based on interbank rates, with a transparent margin that varies depending on the currency pair and transaction volume. For businesses that regularly perform currency exchange operations, Vialet offers the ability to lock in favorable rates or schedule automatic conversions, providing protection against currency fluctuations.

Vialet account maintenance fees depend on the chosen plan. The basic plan may include modest monthly fees, while certain specific operations (paper statement issuance, certified document requests, etc.) may incur additional charges. Vialet communicates transparently about all these fees, which are detailed in its pricing schedule accessible from the website and application. In case of doubt about a fee, clients can contact support via the application for clarification.

For businesses with high transaction volumes, Vialet offers customized Vialet business plans with negotiated pricing. These tailor-made offers include reduced transaction fees, increased limits, a dedicated account manager, and reporting tools adapted to the specific needs of the business. This pricing flexibility allows Vialet to serve a diverse clientele, from micro-enterprises to growing SMEs.

Compared to traditional banks, Vialet's pricing represents significant savings, particularly for international operations. Where a conventional bank may charge high fixed fees, marked-up exchange commissions, and hidden charges, Vialet offers simple and predictable pricing. This budget predictability is a major asset for businesses that need to control their financial costs and anticipate their banking expenses with precision.

Vialet's refund policy and cancellation terms are also transparent. Clients can cancel their subscription at any time, without excessive closure fees, and withdraw their account balance by transfer. This contractual flexibility aligns with the expectations of modern entrepreneurs who refuse to commit to rigid and constraining banking relationships. To initiate a cancellation, simply contact support via the Vialet application.

Vialet's features

Vialet's feature offering is designed to meet the daily needs of businesses in terms of financial management. The platform combines classic banking features with innovative tools that simplify treasury management, expense tracking, and collaboration within financial teams. Vialet's features cover a broad spectrum, from basic account management to advanced financial steering tools.

The Vialet multi-currency account is one of the platform's flagship features. It allows businesses to hold, send, and receive funds in multiple currencies from a single account. This multi-currency capability is essential for businesses trading internationally that need to manage financial flows in different currencies without multiplying bank accounts. Currency switching is done instantly from the application, with competitive exchange rates displayed in real time.

Vialet SEPA transfer management is optimized for speed and reliability. Standard SEPA transfers are processed within regulatory timeframes, while instant SEPA transfers enable funds to be transferred in seconds, 24 hours a day, 7 days a week. This instantaneity is a considerable advantage for businesses that need to make urgent payments or wish to optimize their treasury management by reducing transfer times.

The Vialet IBAN is a Lithuanian IBAN recognized throughout the European Economic Area. This IBAN allows sending and receiving SEPA transfers like any European bank, facilitating transactions with clients, suppliers, and business partners. A dedicated IBAN is assigned immediately upon account opening, and additional IBANs can be obtained for businesses that wish to separate their financial flows by activity or project.

Vialet virtual cards are a particularly appreciated tool for businesses. They can be created instantly from the application and used immediately for online purchases. Each virtual card can be associated with a specific budget, collaborator, or project, making expense tracking and budgetary control easier. Virtual cards can also be deactivated or deleted at any time, offering maximum flexibility in payment method management.

Vialet expense management integrates automatic categorization tools that classify transactions by expense type. This feature allows businesses to track the breakdown of their expenses in real time and quickly identify the largest cost items. Expense data can be exported in various formats for integration into accounting software or reporting tools.

Vialet offers real-time notifications for every transaction made on the account. These push notifications, sent directly to the user's smartphone, allow continuous monitoring of account activity and immediate detection of any suspicious or unauthorized transaction. Notification settings are fully customizable, allowing each user to choose the types of alerts they wish to receive and their frequency.

The Vialet batch payment feature is a major asset for businesses that need to make multiple simultaneous transfers. Rather than entering each transfer manually, users can import a file containing all payments to be made, verify the details, and validate the entire batch in a single operation. This feature is particularly useful for paying salaries, suppliers, or commissions.

The Vialet API allows businesses to integrate Vialet's banking services directly into their own IT systems. This programming interface opens the door to automation of financial processes, integration with accounting software, ERPs, or e-commerce platforms. The API is documented in detail and accompanied by development tools that facilitate technical integration.

The Vialet sub-accounts feature allows creating distinct compartments within a single main account. Each sub-account has its own balance and can be used to isolate funds intended for a specific project, subsidiary, or particular purpose. This feature significantly simplifies financial management for businesses that need to segment their cash flows.

Vialet bank statements are available in real time from the application and web portal. They can be downloaded in various formats (PDF, CSV, MT940) to facilitate integration into the company's accounting tools. The immediate availability of statements eliminates usual waiting times and allows financial teams to work with always up-to-date data.

Vialet also integrates beneficiary management tools that allow saving and managing a list of recurring beneficiaries. This feature speeds up transfer entry and reduces the risk of error by pre-filling payment information. Beneficiaries can be organized by category (suppliers, employees, partners) for even more efficient management. For any technical assistance regarding these features, it is recommended to contact support via the application.

Vialet's additional services

Beyond fundamental banking services, Vialet offers a range of additional services that enrich the user experience and provide significant added value to businesses. These complementary services reflect Vialet's ambition to position itself not simply as a payment service provider, but as a true financial partner for businesses.

The Vialet loyalty program rewards the most active clients with exclusive benefits. Depending on transaction volume and account tenure, clients can benefit from discounts on transaction fees, priority access to new features, preferential exchange rates, or invitations to exclusive events. This program is designed to encourage loyalty and reward the trust clients place in Vialet.

Vialet offers an account opening assistance service that guides businesses through the administrative procedures required to open a professional account. This service is particularly useful for foreign businesses unfamiliar with Lithuanian or European regulatory requirements. Vialet's advisors guide clients through every step of the process, from document collection to account activation. This service is accessible by contacting support via the application.

Vialet's currency exchange service goes beyond simple currency conversion. Vialet offers foreign exchange risk management tools that allow businesses to protect themselves against exchange rate fluctuations. These tools include the ability to lock in an exchange rate in advance for a future transaction, schedule automatic conversions when a target rate is reached, or receive alerts when rates move beyond a defined threshold.

Vialet offers compliance solutions that help businesses meet their regulatory obligations regarding anti-money laundering and counter-terrorism financing. These solutions include identity verification (KYC) tools, transaction monitoring, and regulatory reporting. As a regulated institution, Vialet continuously invests in its compliance systems to ensure adherence to the strictest standards.

Vialet's multilingual support is a major asset for the platform's international clientele. Customer service is available in several languages, facilitating communication with clients located in different countries. This multilingual capability also extends to the application and website interface, which are available in several languages to provide an optimal user experience for all clients, regardless of their native language.

Vialet offers accounting integration services that allow connecting the bank account to major accounting software on the market. This integration automates transaction synchronization, reduces manual data entry, and minimizes the risk of errors. Businesses can thus spend less time on administrative tasks and focus on their core activity.

Vialet's invoicing service allows businesses to create and send professional invoices directly from the platform. Invoices can be customized with the company's logo and contact details, and received payments are automatically reconciled with corresponding invoices. This feature significantly simplifies accounts receivable management and improves visibility on incoming payments.

Vialet offers a referral program that rewards clients who recommend the platform to other businesses. Both the referrer and the referred benefit from advantages such as fee reductions or credit bonuses. This referral program contributes to Vialet's organic growth while providing a tangible benefit to brand ambassador clients.

Vialet financial reports provide businesses with a comprehensive overview of their financial activity. These reports include charts, tables, and analyses that visualize cash flow trends, compare expenses from one period to another, and identify financial optimization opportunities. Reports can be generated on demand or scheduled to be sent automatically at regular intervals.

Vialet also offers a direct debit mandate service that allows businesses to use their Vialet IBAN as a direct debit address for automatic payments. This feature is useful for businesses that wish to centralize their recurring payments (subscriptions, rents, insurance) on a single account. To set up direct debit mandates or any other additional service, clients are invited to contact support via the Vialet application.

Vialet's security

Vialet's security is at the heart of the company's strategy. As a regulated financial institution, Vialet is required to comply with the strictest security standards to protect its clients' funds and personal data. Vialet's approach to security is based on several pillars: technological protection, regulatory compliance, team training, and user awareness.

Vialet's data encryption uses the most advanced protocols on the market. All communications between the application and Vialet's servers are protected by bank-grade end-to-end encryption (TLS 1.3), ensuring that data cannot be intercepted or altered during transmission. Data stored on servers is also encrypted at rest, adding an additional layer of protection against unauthorized access.

Vialet's strong authentication complies with the requirements of the European Payment Services Directive (PSD2). Each login to the application and every sensitive transaction requires two-factor authentication (2FA), combining something the user knows (password or PIN code) with something they possess (smartphone) or something they are (fingerprint or facial recognition). This dual verification significantly reduces the risk of unauthorized account access.

Vialet has implemented a fraud detection system that continuously monitors transactions to identify suspicious behavior. This system uses artificial intelligence and machine learning algorithms that analyze hundreds of parameters in real time for each transaction, including amount, location, time, beneficiary, and the user's usual behavior. When a suspicious transaction is detected, it is automatically blocked and the user is immediately alerted.

Vialet's fund protection is ensured in accordance with regulatory requirements applicable to electronic money institutions. Client funds are separated from the company's own funds and held in dedicated accounts at Tier 1 partner banks. This separation of funds ensures that clients' assets are protected even in the event of the company's financial difficulties.

Vialet conducts regular security audits to identify and remediate potential vulnerabilities in its systems. These audits are performed by independent specialized firms that assess the robustness of technical infrastructures, operational processes, and security controls. Audit results are used to continuously improve the platform's security level.

Vialet's GDPR compliance is a fundamental commitment regarding personal data protection. Vialet processes its clients' data in accordance with the General Data Protection Regulation (GDPR), which includes the right of access, rectification, erasure, and data portability. Clients can exercise their rights by contacting Vialet's Data Protection Officer via the application.

Vialet's card lock system allows users to instantly block their bank card in case of loss, theft, or suspected fraud. This feature is accessible directly from the application and takes effect immediately, preventing any unauthorized use of the card. The card can be unlocked just as quickly once the situation is resolved, avoiding the usual waiting times for replacing a lost card.

Vialet integrates customizable transaction limits that allow users to control the maximum amounts authorized for different types of transactions. These limits can be adjusted according to the business's needs and constitute an additional line of defense against fraudulent transactions. Account administrators can set specific limits for each user or card, offering granular control over expenses.

Vialet's anti-money laundering (AML) policy is rigorous and compliant with the most demanding European standards. Vialet conducts thorough identity verification (KYC) of each client upon account opening and continuously monitors transactions to detect suspicious activities. In case of doubt, Vialet may request additional information or report transactions to the competent authorities, in accordance with its legal obligations.

Vialet has also invested in IT resilience to ensure continuity of its services in all circumstances. The platform's technical infrastructure is hosted in certified data centers, with redundancy and backup systems that guarantee maximum availability. Business continuity and disaster recovery plans are regularly tested to ensure services can be restored quickly in the event of an incident. To report any security issue, clients are encouraged to contact support via the Vialet application immediately.

Vialet's customer service

Vialet's customer service is a fundamental pillar of the user experience offered by the neobank. In a sector where the quality of support can make the difference between customer retention and loss, Vialet has invested significantly in establishing a responsive, competent, and accessible customer service. Vialet's approach to support is based on the conviction that every interaction with a client is an opportunity to strengthen trust and demonstrate the platform's added value.

The primary contact channel for Vialet is the mobile application. Clients can contact support via the application to ask questions, report a problem, request help with an operation, or make a complaint. The chat integrated into the application allows real-time exchanges with an advisor and sharing of screenshots or documents to facilitate problem resolution. This communication channel is the most used by Vialet's clients and offers the fastest response times.

Vialet also offers email support for requests that require more thorough processing. Emails are handled by specialized advisors with the technical and regulatory expertise needed to answer complex questions. Email response times vary depending on the complexity of the request, but Vialet is committed to responding as quickly as possible. Premium clients generally benefit from priority response times.

Vialet's help center is a comprehensive online resource that answers clients' most frequently asked questions. Organized by topic (account opening, transfers, cards, security, etc.), the help center offers detailed articles, tutorials, and step-by-step guides that allow users to quickly find answers to their questions without needing to contact support. This knowledge base is regularly updated to reflect platform developments and new features.

Vialet's support availability is adapted to the needs of an international clientele. Customer service is available during extended hours, covering the main time zones of the markets where Vialet is active. For emergencies (card blocking, suspected fraud), an assistance service is available to allow clients to secure their account at any time. Simply contact support via the application to access this emergency service.

Vialet's complaint process is structured and transparent. Clients wishing to file a complaint can do so directly from the application or by email. Each complaint is registered, assigned to a dedicated handler, and processed within regulatory timeframes. Clients are informed of the progress of their complaint and receive a formal response detailing the investigation's conclusions and any corrective actions.

Vialet has established a client feedback system that collects user experiences after each interaction with support. This feedback is analyzed to identify areas for improvement and measure overall customer satisfaction. Satisfaction survey results are shared with teams and used to guide investments in customer service training and tools.

Vialet's onboarding for new clients includes personalized support to facilitate platform adoption. New users receive welcome communications, user guides, and personalized suggestions to get the most out of Vialet's features. For businesses subscribing to a premium plan, a dedicated advisor may be assigned to guide the company through its first steps on the platform. Throughout this onboarding phase, clients are encouraged to contact support via the application for any questions.

Continuous training of support teams is a priority for Vialet. Advisors regularly receive training on new features, regulatory developments, and customer relationship techniques. This training policy ensures that advisors are able to answer the most technical questions and provide relevant, up-to-date advice. The quality of customer service is an important differentiating factor for Vialet in an increasingly competitive market.

Vialet pays particular attention to first-contact resolution. The goal is to resolve as many requests as possible during the first interaction, without requiring follow-ups or transfers to other departments. To achieve this, advisors have powerful tools that give them a complete view of the client's file and the access needed to perform common operations directly during the conversation. This operational efficiency translates into high customer satisfaction and a first-contact resolution rate among the best in the sector. Clients can contact support via the application at any time to benefit from this fast, efficient assistance.

Customer reviews on Vialet

Vialet customer reviews are a valuable source of information for businesses considering opening an account on the platform. Analyzing feedback published on various online review platforms, specialized forums, and social media provides a nuanced picture of Vialet's user satisfaction and identifies the neobank's strengths and areas for improvement.

Among the most frequently cited positive aspects in Vialet testimonials, account opening speed stands out. Many users praise the ability to open a professional account in minutes, without having to visit a branch or submit dozens of paper documents. This administrative simplicity is particularly appreciated by entrepreneurs and freelancers who need an operational bank account quickly to launch or develop their business.

The quality of the application interface is another strength regularly mentioned in Vialet user feedback. Users appreciate the clean, intuitive design of the application, which makes navigation smooth and account management easy even for those unfamiliar with digital tools. The ability to manage all banking operations from a single application is considered a major advantage over traditional banks that often offer outdated, cumbersome online interfaces.

Positive Vialet reviews also highlight pricing competitiveness, particularly for international transfers and currency exchange. Businesses making regular cross-border transactions report significant savings compared to rates charged by traditional banks. This pricing competitiveness is a decisive argument for many clients who choose Vialet as their primary or complementary banking solution.

Some negative Vialet reviews report difficulties encountered during the identity verification process (KYC). A few users experienced longer-than-expected delays for file validation, particularly when additional documents were required. Vialet explains that these thorough checks are necessary to comply with anti-money laundering regulatory obligations and that efforts are constantly deployed to accelerate the process while maintaining an optimal level of security.

Other user feedback mentions limitations regarding certain advanced features. For example, some clients would like deeper integration with specific accounting software or more detailed reporting features. Vialet takes note of these requests and integrates them into its product roadmap, demonstrating a client-centric approach. Users wishing to suggest improvements can contact support via the application.

Vialet's rating on major online review platforms reflects generally positive satisfaction from users. Average scores are typically higher than those of traditional banks and comparable to those of leading European neobanks. This performance is the result of Vialet's constant commitment to service quality and customer satisfaction.

Vialet recommendations from satisfied users play an important role in the platform's growth. Positive word of mouth, amplified by online reviews and social media recommendations, helps attract new clients and strengthen Vialet's reputation as a credible alternative to traditional banks. Many users indicate they discovered Vialet through a recommendation from a colleague, business partner, or professional network.

Vialet has established a systematic response process for customer reviews, whether positive or negative. Each review is read and analyzed, and negative reviews receive personalized follow-up to understand the problem encountered and propose a solution. This responsiveness in review management demonstrates Vialet's commitment to customer satisfaction and continuous improvement.

Specialized fintech and entrepreneurship forums are full of discussions about Vialet, where users share their experiences, compare offers, and exchange advice. These discussions are a goldmine for businesses seeking authentic, unfiltered feedback. Vialet actively participates in these exchanges by providing factual information and answering users' questions. Interested businesses can also contact support via the application for personalized information.

Comparing Vialet with Revolut Business, Paysera, and Wise

The comparison between Vialet and its main competitors — Revolut Business, Paysera, and Wise (formerly TransferWise) — is essential for businesses seeking the banking solution best adapted to their needs. Each of these players has strengths and specificities that distinguish them, and the optimal choice depends on each business's priorities in terms of pricing, features, geographic coverage, and service quality.

The Vialet vs Revolut Business comparison highlights different philosophies. Revolut Business is a major player in the neobank market with extensive global coverage and a wide range of features. However, Revolut Business targets both individuals and professionals, which can result in a less specialized approach to specific business needs. Vialet, by focusing exclusively on the B2B segment, can offer more targeted services and support better adapted to professional realities.

In terms of pricing, the Vialet vs Revolut Business comparison reveals significant differences depending on the type of operation. Revolut Business offers subscription plans that vary based on business size, with fees that increase with transaction volume. Vialet often positions itself competitively on SEPA transfer fees and currency exchange operations, particularly for mid-sized businesses with a moderate volume of international transactions.

The Vialet vs Paysera comparison is particularly relevant as both companies are based in Lithuania and share a similar geographic positioning. Paysera is a long-established player in Lithuania's fintech landscape, with an offering covering both individuals and professionals. The comparison reveals that Vialet stands out with a more modern user interface and B2B focus, while Paysera offers a broader range of services including point-of-sale payment solutions and services for individuals.

Vialet vs Paysera fees are broadly comparable for common operations, with differences that may favor one or the other depending on the usage profile. For SEPA transfers, rates are similar, but gaps may exist in foreign exchange fees, card fees, or the cost of specific services. Businesses seeking to optimize their banking costs should carefully compare the pricing schedules of both platforms based on their specific usage profile.

The Vialet vs Wise comparison reveals complementary positioning. Wise is globally recognized for its low-cost international transfers and transparent exchange rates based on the interbank rate. Wise Business offers multi-currency accounts in a large number of currencies and the ability to hold balances in different currencies. Vialet, while offering multi-currency services, differentiates itself with a more comprehensive banking offering that includes business management features, reporting tools, and customer support adapted to the needs of European SMEs.

In terms of geographic coverage, Wise has a more extensive international network than Vialet, with the ability to send funds in over 50 currencies and hold balances in about thirty currencies. Vialet, while centered on Europe, nevertheless offers growing international coverage and adapted solutions for businesses operating primarily in the eurozone and the European Economic Area.

The table below summarizes the main differences between the four players.

Regarding user experience, Vialet stands out with a smooth, intuitive mobile application specifically designed for professional needs. Revolut Business offers a feature-rich application that may seem complex for occasional users. Paysera offers a functional but less modern interface, while Wise focuses on simplicity and transparency of its user journey for international transfers.

Customer support is an important criterion in this comparison. Vialet offers support accessible via the application with fast response times and personalized support. Revolut Business has faced recurring criticism regarding the difficulty of reaching a human advisor, although improvements have been made recently. Paysera offers multilingual customer support, including French, which can be an advantage for French-speaking businesses. Wise offers support primarily by email and chat, with variable response times. Vialet clients particularly appreciate the ability to contact support via the application in a simple and fast manner.

In terms of regulatory compliance, all four players operate under European licenses and are subject to strict requirements. Vialet and Paysera are regulated by the Bank of Lithuania, Revolut Business holds a European banking license, and Wise operates under various licenses in the countries where it is active. This common regulatory basis ensures a minimum level of protection for clients, regardless of the chosen provider.

In conclusion to this comparison, the choice between Vialet, Revolut Business, Paysera, and Wise depends on each business's specific needs. Vialet is particularly suited to European SMEs seeking a comprehensive B2B banking solution with good value for money and responsive customer service. Revolut Business will suit businesses needing a wide range of features and global coverage. Paysera is a solid option for businesses operating in the Baltic countries and Eastern Europe. Wise is the preferred choice for businesses making numerous international transfers and seeking the best exchange rates.

Case studies: three businesses using Vialet

To illustrate Vialet's advantages in real-world situations, here are three case studies featuring businesses of different profiles that chose Vialet as their professional banking solution. These examples show how Vialet's features and services can meet diverse needs and deliver measurable added value.

Case study 1: TechBaltic, an Estonian startup specializing in software development

TechBaltic is a startup founded in Tallinn, Estonia, specializing in developing software solutions for logistics sector businesses. With a team of 15 developers split between Estonia, Poland, and Ukraine, TechBaltic needed a banking solution capable of handling payments in multiple currencies, facilitating international salary payments, and offering expense tracking tools adapted to a multi-site structure.

Before choosing Vialet, TechBaltic used a traditional Estonian bank whose international transfer fees were high and processing times long. Currency conversion to pay collaborators in Poland and Ukraine involved marked-up exchange rates and additional fees that weighed on the company's profitability. TechBaltic's founder discovered Vialet at a fintech event in Vilnius and decided to open a Vialet business account to test the platform.

The results were impressive. Thanks to Vialet's multi-currency account, TechBaltic can now hold euros, Polish zlotys, and Ukrainian hryvnias in a single account. Transfers to collaborators in Poland and Ukraine are executed quickly and at competitive exchange rates, reducing transaction costs by 40% compared to the traditional bank. The batch payment feature simplified the monthly payroll process, which now requires only a single validation operation instead of fifteen individual transfers.

TechBaltic also uses the Vialet API to integrate banking data into its project management tool, enabling real-time budget tracking for each project and quick detection of variances. Vialet's customer support accompanied TechBaltic's technical team in setting up this integration, providing detailed documentation and responsive technical support. The founder simply had to contact support via the application to benefit from this assistance.

Case study 2: MediConsult, a healthcare consulting firm based in Paris

MediConsult is a consulting firm specializing in the healthcare sector, based in Paris, that supports hospitals and clinics in their digital transformation. The firm employs 8 consultants and regularly works with partners and providers located in several European countries. MediConsult's main need was to have a European professional bank account with competitive SEPA transfer fees and integrated invoicing tools.

MediConsult chose Vialet for several reasons. First, Vialet account opening could be completed entirely online, without an in-branch appointment, perfectly suited to the consultants' intensive work pace. Second, Vialet's SEPA transfer fees were significantly lower than those of the traditional bank previously used. Third, the integrated invoicing feature allowed creating and sending invoices directly from the platform, simplifying administrative management.

After six months of use, MediConsult observed a 30% reduction in annual banking fees. SEPA transfers to European partners and providers are processed faster, which improved business relationships and reduced payment delays. The invoicing feature reduced time spent on administration by 5 hours per month, a significant gain for a firm of this size.

Vialet sub-accounts were used to separate financial flows for each consulting assignment, providing clear visibility on each project's profitability. Downloadable bank statements are directly integrated into the firm's accounting software, eliminating manual data entry and error risks. The firm also appreciated the responsiveness of Vialet's customer service, which they can contact via the application at any time to quickly resolve routine banking questions.

Case study 3: BalticCraft, a Lithuanian e-commerce business

BalticCraft is a Lithuanian company specializing in the online sale of crafts and handmade products from the Baltic countries. Founded three years ago by a passionate artisan, the company experienced rapid growth and now sells in 15 European countries through its online store and marketplaces like Etsy and Amazon. BalticCraft's main challenges were managing multi-currency payments, reconciling collections from different platforms, and controlling foreign exchange fees.

BalticCraft chose Vialet as its primary bank after comparing several B2B neobanks. The Vialet multi-currency account was the deciding factor, as it allowed receiving payments in euros, British pounds, Swedish kronor, and Danish kroner in a single account. Currency conversion at the interbank rate with a transparent margin significantly reduced exchange costs compared to the previous solution.

Integrating the Vialet API with BalticCraft's e-commerce platform automated the reconciliation of received payments, eliminating a manual process that took several hours per week. Vialet virtual cards are used for purchasing raw materials from online suppliers, with a specific budget allocated to each expense category. Real-time notifications allow the founder to track collections and expenses from her smartphone, even when visiting partner artisan workshops.

After one year of use, BalticCraft saved approximately 3,000 euros in banking and foreign exchange fees. Increased visibility on financial flows optimized treasury management and anticipated financing needs related to seasonal sales variations. BalticCraft's founder regularly recommends Vialet to other e-commerce entrepreneurs and is part of the platform's referral program. For any questions about her experience, she encourages her peers to contact support via the Vialet application to discover the possibilities offered.

Vialet's expansion and outlook

Vialet's prospects are set against a backdrop of profound transformation in the European banking sector. The evolution of technologies, the maturation of the regulatory framework, and growing business expectations regarding digital financial services paint a promising horizon for B2B neobanks like Vialet. Analyzing market trends and the company's strategic directions makes it possible to outline the contours of Vialet's future development.

Vialet's geographic expansion constitutes one of the company's major strategic axes. While Vialet is currently primarily active in Europe, the growing demand for digital banking services in other regions of the world opens significant expansion opportunities. Eastern European, Central Asian, and North African markets, where business access to banking services remains limited, are potential targets for Vialet. Geographic expansion will necessarily be accompanied by obtaining new licenses and adapting the offering to the regulatory and cultural specifics of each market.

The development of new Vialet features is another pillar of the company's growth strategy. Vialet continuously invests in enriching its platform to meet emerging business needs. Among the most promising areas of innovation are artificial intelligence for predictive treasury analysis, integrated financing solutions (credit, factoring), advanced foreign exchange risk management tools, and integrations with new technology ecosystems.

Vialet's growth strategy also relies on strengthening its strategic partnerships. By partnering with complementary players — specialized fintechs, e-commerce platforms, accounting software providers, chambers of commerce — Vialet can enrich its offering, access new client bases, and strengthen its value proposition. These partnerships create an integrated ecosystem that simplifies business financial management and generates added value at every stage of the customer journey.

The evolution of the European regulatory framework is a factor that will significantly influence Vialet's prospects. The adoption of new directives on payment services, crypto-asset regulation, and the development of the digital euro are all topics that will shape the market in the years to come. Vialet, as an agile and innovative player, is well positioned to adapt to these developments and seize the opportunities they present.

Vialet's roadmap includes developing financing solutions for SMEs. By leveraging deep knowledge of its clients' financial activity, Vialet can develop tailored credit offers, factoring, or treasury financing that meet the funding needs of growing businesses. These complementary financial services represent a significant growth lever and a source of revenue diversification for the platform.

Vialet's technological innovation is an essential driver of the company's competitiveness. Vialet invests in emerging technologies such as blockchain, open banking, and artificial intelligence to improve the security, speed, and personalization of its services. Blockchain technology adoption could eventually further reduce transaction costs and accelerate international transfers. Artificial intelligence, already used for fraud detection, could be deployed more broadly to provide personalized financial recommendations and automate operational processes.

Vialet's commitment to corporate social responsibility (CSR) is an increasingly important aspect of its strategy. Business clients are increasingly attentive to the environmental and social commitments of their financial partners. Vialet can differentiate itself by adopting sustainable practices, reducing its environmental footprint, and supporting local initiatives in the communities where it operates. The complete digitalization of its services already constitutes an advantage in terms of environmental impact compared to traditional banks with their networks of physical branches.

The B2B neobank market in Europe is growing rapidly, and Vialet is well positioned to capture an increasing share of this market. Industry projections foresee a significant increase in the number of businesses that will choose digital banking solutions over traditional banks in the years ahead. This trend is driven by a generation of digital-native leaders who consider online banking the norm rather than the exception.

Vialet's future looks promising, driven by a combination of favorable factors: a growing market, a solid technological base, an experienced team, and a clear strategic vision. Investments in innovation, geographic expansion, and new service development position Vialet as a major player in the European fintech landscape in the years to come. Vialet's ability to innovate while maintaining high standards of security and compliance will be decisive in realizing these ambitions.

For businesses wishing to follow this growth or discover new features as they are launched, it is recommended to follow Vialet's news on the vialet.eu website and contact support via the application for personalized information on available offers.

In conclusion, Vialet represents a comprehensive, competitive, and innovative B2B banking solution for European businesses of all sizes. From rapid account opening to advanced financial management tools, through transparent pricing and responsive customer service, Vialet offers a credible and efficient alternative to traditional banks. The platform's constant evolution, guided by user feedback and market trends, ensures that Vialet will continue to meet business needs in a constantly changing financial environment. Entrepreneurs and decision-makers seeking to optimize their financial management, reduce banking costs, and benefit from modern, high-performance tools will find in Vialet a partner equal to their ambitions.

Complete guide to opening a Vialet account

Opening a Vialet account is a process designed to be as simple and fast as possible. In this section, we detail each step of the registration process, required documents, and practical tips to ensure a smooth, hassle-free account opening. Whether you are a sole proprietor, an SME, or a mid-sized company, this guide will accompany you through the process.

The first step is to download Vialet from mobile app stores (App Store for iOS or Google Play Store for Android) or visit the vialet.eu website to access the web platform. Vialet registration begins with creating a user profile using a professional email address and mobile phone number. A verification code is sent by SMS to confirm the applicant's identity and secure the registration process.

Once the profile is created, the user must provide information about their business: company name, registration number, registered office address, industry sector, and ownership structure. This information is necessary to satisfy Know Your Customer (KYC) regulatory requirements and is verified by Vialet's compliance teams. Supporting documents typically requested include a Kbis extract or equivalent, company articles of association, a valid ID for the legal representative, and proof of address.

To create a Vialet account, users must also complete online identity verification. This verification can be done via videoconference or by submitting photos of the ID document along with a selfie. The verification process is generally quick and can be completed in minutes. Once verification is validated, the account is activated and the IBAN is assigned immediately, enabling users to start using Vialet's services without delay.

Vialet login is secured by a strong authentication system compliant with PSD2. Users can log in to their account using their username and password, supplemented by a second authentication factor (SMS code, authenticator app, or biometrics). This enhanced security ensures that only authorized users can access the account and perform operations.

Once the account is opened, users can customize their settings, order a physical Vialet card, create virtual cards, configure notifications, and invite other users to access the account with differentiated access rights. Vialet multi-user management allows defining roles and permissions for each collaborator, which is essential for businesses that wish to delegate certain operations while maintaining control over all account activities.

For businesses encountering difficulties during account opening or with questions about required documents, it is possible to contact support via the Vialet application at any time. Advisors are trained to guide clients through this process and can provide personalized explanations based on each business's specific situation.

Vialet for freelancers and the self-employed

Freelancers and self-employed workers constitute an important part of Vialet's clientele. The Vialet neobank has developed features specifically adapted to the needs of this category of professionals, who have particular expectations regarding simplicity, flexibility, and costs. The Vialet account for freelancers offers a complete banking solution that allows managing all professional finances from a single platform.

For a freelancer, managing invoicing and collections is a daily challenge. Vialet simplifies this management with integrated invoicing tools that allow creating professional invoices in a few clicks and tracking received payments in real time. The ability to receive payments in multiple currencies without excessive fees is a considerable advantage for freelancers working with international clients.

The Vialet debit card is an essential tool for self-employed workers who make regular professional expenses. Whether purchasing supplies, paying a software subscription, or covering travel costs, the Vialet card offers a convenient payment method with automatic expense tracking. Automatic transaction categorization facilitates tax return preparation and bookkeeping.

Vialet instant transfers are particularly appreciated by freelancers who need to receive their payments quickly. When a client makes an instant SEPA transfer, funds are available in the Vialet account within seconds, significantly improving treasury management. This processing speed avoids cash flow tensions that can be problematic for self-employed workers who do not always have a significant financial reserve.

The Vialet app is designed for daily use, including on the go. The optimized mobile interface allows checking the balance, making transfers, managing cards, and downloading statements from anywhere. For nomadic freelancers working from different countries, this mobility is a major asset. If needed, they can contact support via the application for quick assistance, regardless of their geographic location.

Vialet and European regulatory compliance

Vialet's regulatory compliance is a fundamental pillar of the platform's credibility and sustainability. As an electronic money institution licensed by the Bank of Lithuania, Vialet is subject to a set of strict European regulations governing its activity and protecting its clients' interests. Understanding this regulatory framework is essential for businesses entrusting their fund management to a neobank.

Vialet's electronic money institution license authorizes the platform to issue electronic money, provide payment services, and manage payment accounts throughout the European Economic Area. This license, granted after a rigorous authorization process, attests that Vialet meets the Bank of Lithuania's requirements regarding capital adequacy, governance, risk management, and consumer protection.

The European Payment Services Directive (PSD2) requires payment service providers, including Vialet, to implement strong authentication measures to secure online transactions. Vialet fully complies with this directive by requiring dual verification for every sensitive transaction, considerably strengthening the security of operations performed on the platform.

Regarding data protection, the GDPR constitutes the reference framework. Vialet has appointed a Data Protection Officer (DPO) responsible for ensuring compliance with personal data protection principles. Vialet's privacy policies are transparent and detail the purposes of data collection, retention periods, and data subject rights. Clients wishing to exercise their data protection rights can contact support via the application.

Anti-money laundering (AML) and Know Your Customer (KYC) regulations are areas in which Vialet invests considerable resources. Vialet verification procedures include identifying beneficial owners, verifying sources of funds, and continuous transaction monitoring. These measures, while they may sometimes lengthen the account opening process, are essential for maintaining the integrity of the financial system and protecting clients against fraud and money laundering risks.

Vialet also participates in European open banking initiatives. In accordance with PSD2, Vialet allows licensed third-party providers to access its clients' account data (with their consent) and initiate payments on their behalf. This openness fosters innovation and allows businesses to benefit from enriched financial services offered by an ecosystem of fintech partners.

Optimizing financial management with Vialet

Beyond basic features, Vialet offers financial optimization possibilities that allow businesses to extract maximum value from their bank account. Strategic use of the platform's tools can generate significant savings and improve the efficiency of daily financial management.

The first optimization concerns Vialet international payments. By using the multi-currency account to receive payments in the client's currency and converting funds at the most favorable time, businesses can considerably reduce their exchange costs. Exchange rate alerts allow monitoring fluctuations and performing conversions at the optimal moment, maximizing the amount received in euros.

Vialet professional expense management can be optimized through dedicated virtual cards. By assigning a virtual card to each expense category (software, travel, supplies), businesses obtain immediate visibility on their expense breakdown and can quickly identify cost items to optimize. Budgets associated with each virtual card constitute a form of automated budgetary control that prevents overspending.

Vialet accounting export to accounting software automates the entry of accounting records and reduces time spent on administrative tasks. This automation eliminates manual data entry errors and ensures accounting data is always up to date. For businesses using popular accounting software, integration is often available natively or via connectors developed by partners.

Vialet analytical reports provide valuable insights into the company's financial flows. By analyzing cash flow trends, expense patterns, and revenue forecasts, executives can make informed decisions regarding treasury management, investment, and financing. These reports are accessible in a few clicks from the application and can be customized to each business's specific needs.

For businesses wishing to go further in optimizing their financial management with Vialet, it is recommended to contact support via the application for personalized advice. Vialet advisors can guide clients toward the features and plans best suited to their usage profile.

Frequently asked questions about Vialet

Is Vialet a real bank? Vialet is an electronic money institution licensed by the Bank of Lithuania. While this status differs from that of a full bank, it authorizes Vialet to provide payment services, issue electronic money, and manage payment accounts throughout Europe. Client funds are protected in accordance with applicable regulatory requirements.

Is Vialet available in France? Yes, Vialet in France is accessible to all French businesses wishing to open a European professional bank account. Vialet's European license allows it to operate throughout the European Economic Area, including France. French businesses benefit from a Lithuanian IBAN compatible with the SEPA network, enabling SEPA transfers without difficulty.

How to contact Vialet? Vialet contact is primarily made via the mobile application. The integrated chat allows real-time exchanges with an advisor. It is also possible to contact Vialet by email for non-urgent requests. The vialet.eu website offers a comprehensive help center to answer the most common questions. Vialet phone is not the primary contact channel; exchanges are mainly through the application chat, which guarantees optimal traceability and follow-up of requests.

What are Vialet's limits? Vialet limits vary depending on the chosen subscription plan and the account's verification level. Premium plans offer higher limits for transfers, withdrawals, and card payments. Businesses needing higher limits can make a request to customer service by contacting support via the application.

Is Vialet secure? Yes, Vialet account security relies on advanced encryption technologies, strong two-factor authentication, an AI-based fraud detection system, and strict compliance with European regulations. Funds are separated from the company's assets and held in dedicated accounts at Tier 1 partner banks.

Can Vialet be used in Europe? Vialet in Europe works throughout the European Economic Area thanks to the license issued by the Bank of Lithuania. Businesses from any EEA country can open an account and use Vialet's services without restriction. SEPA transfers to and from all countries in the zone are processed as standard.

Does Vialet offer a free account? The Vialet free plan, if available, is generally limited in features and limits. Paid plans offer better value for money for businesses making a regular volume of transactions. It is recommended to compare different plans on the vialet.eu website or contact support via the application to identify the most suitable plan.

How does Vialet's referral program work? The Vialet referral program allows existing clients to recommend the platform to other businesses and benefit from reciprocal advantages. The referrer receives a personalized referral link they can share with their contacts. When a new client registers via this link and activates their account, both the referrer and the referred receive a reward in the form of fee reductions or credit bonuses.

Is Vialet reliable? Vialet's reliability is based on its regulatory license, regular security audits, compliance with European standards, and positive feedback from its clientele. The separation of client funds, data encryption, and continuous transaction monitoring contribute to the platform's overall reliability. Customer reviews on independent platforms confirm the solidity and reliability of Vialet's services.

How to close a Vialet account? Vialet account closure can be requested at any time by contacting support via the application. The closure process includes transferring the remaining balance to an external bank account designated by the client. Closure fees, if any, are communicated transparently before validating the request. It is recommended to ensure all pending transactions are finalized before requesting account closure.

Glossary of banking terms related to Vialet

Electronic money: monetary value stored in electronic form, issued upon receipt of funds and representing a claim on the issuer. Vialet is authorized to issue electronic money in accordance with its license.

SEPA (Single Euro Payments Area): single euro payments area that harmonizes euro payments across 36 European countries. Vialet SEPA transfers allow transferring euros quickly and affordably throughout this area.

IBAN (International Bank Account Number): standardized international bank account number. The Vialet IBAN begins with the country code LT (Lithuania) and is recognized throughout Europe.

PSD2 (Payment Services Directive 2): European directive regulating payment services and requiring strong authentication. Vialet fully complies with this directive.

KYC (Know Your Customer): client identity verification process required by anti-money laundering regulations. Vialet KYC verification is a mandatory step in account opening.

AML (Anti-Money Laundering): set of measures to combat money laundering. Vialet applies rigorous AML procedures to protect the integrity of the financial system.

Open banking: regulatory framework that enables secure sharing of banking data with licensed third-party providers. Vialet participates in the European open banking ecosystem in accordance with PSD2.

Interbank rate: exchange rate at which banks trade currencies among themselves. The Vialet exchange rate is based on this rate, with a transparent margin communicated to the client before each operation.

For any questions about these terms or Vialet's services in general, clients and prospects are invited to contact support via the Vialet application or consult the help center available on the vialet.eu website. The Vialet team is available to provide detailed explanations and personalized support at every stage of the banking relationship.

Customer support and contact channels for Vialet

When searching for Vialet's contact details, the fastest way is usually to visit their official website or check the mobile app. Whether the request concerns account access, card management, transfers, fees, security settings or a complaint, the support team can guide you through the process.

Many users search for terms such as phone number, customer service, direct contact, advisor number, card opposition, transfer delay, mobile app support or account security. This page centralizes the key expressions associated with Vialet.

Contact information

Services offered by Vialet

• Current account
• Bank card
• Transfer
• Direct debit
• Savings
• Credit
• Insurance
• Customer service
• Mobile app
• Budget management
• Notifications
• Technical support

How to contact Vialet by phone

Tips for contacting Vialet

Security and data protection at Vialet

The security of your personal and financial data is a top priority for Vialet.

Enhanced authentication: Vialet uses two-factor authentication (2FA).

Data encryption: All communications are encrypted with SSL/TLS 256-bit.

Regulatory compliance: Vialet complies with applicable regulations.

24/7 monitoring: Fraud detection systems operate continuously.

Why choose Vialet?

• ✓ Intuitive and comprehensive mobile app
• ✓ Quick 100% online account opening
• ✓ Transparent and competitive fees
• ✓ Responsive and professional customer service
• ✓ Real-time notifications
• ✓ Enhanced security with biometric authentication