# viva.com — Use your viva card for 0% fees > Business finance and card management app with merchant account, sales tracking, and expense reporting. (iPhone/iPad app by VIVA WALLET HOLDINGS - SOFTWARE DEVELOPMENT SA.) - Source: https://appshunter.io/ios/app/vivacom/id1450362680 (this page in markdown: same URL + `.md`) - Developer: [VIVA WALLET HOLDINGS - SOFTWARE DEVELOPMENT SA](https://appshunter.io/developer/450121838) - Category: Finance, Business - Price: Free - Rating: 4.80/5 from 82 App Store ratings · 28 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 149 MB - Languages: American English, Bulgarian, Croatian, Czech, Danish, Dutch, Estonian, Finnish, French (France), German (Germany) and 13 more - Released: 2019-07-18 - Data updated: 2026-07-29 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/vivacom/id1450362680/reviews.md ## What is viva.com? The viva.com is the money management app for using your viva.com cards and more. Get started • Open your merchant account easily from your phone with no waiting time or delays. Sales history and reports • Monitor your business performance at a glance • Issue refunds to your customers • View real-time Sales history • View details for Sales transactions Manage your expenses and money • Send and receive money • Create and manage Digital and Physical cards for you or your employees • Add your cards to Wallet and make payments with Apple Pay • Match receipts with transactions to make expense reporting effortless Other features • Instant push notifications for account activity and transactions • Switch between personal and business accounts • Verify your account • Bill payments via mobile Viva.com Saver Account*: A fully online business savings account that helps you earn interest—while keeping you in control with easy access to your funds anytime you need them. *Available where applicable. Supported languages: • English • Bulgarian • Croatian • Danish • Finnish • French • German • Dutch • Greek • Hungarian • Polish • Romanian • Portuguese • Spanish • Italian • Swedish • Czech • Norwegian • Estonian • Latvian • Slovenian • Slovakian • Lithuanian Questions? We're here to help: https://www.viva.com ## Key features - Merchant account opening - Real-time sales history and reports - Refund processing - Send and receive money - Digital and physical card management - Expense reporting with receipt matching - Online business savings account ## Recent user reviews (10 of 28) All indexed reviews: https://appshunter.io/ios/app/vivacom/id1450362680/reviews.md ### 1/5 — Annoying overlay *2025-07-11, version 1.71.0* You now have to start the app twice, cause an imposed banner will not go away unless you close the app. Great idea! ### 1/5 — Can’t log in since re installed the app *2024-10-20, version 1.60.0* Verification and log in has stopped on app , viva wallet team fix ASAP ### 1/5 — THE WORST COMPANY EVER *2024-10-18, version 1.60.0* They take way too long to do account verification, even though I submitted all the documents requested, they keep rejecting without giving any explanation. Reached out to the customer service, they're not very helpful either. NOT RECOMMENDED AT ALL. Viva.com is a JOKE ### 1/5 — THE WORSE bank ever! *2024-09-05, version 1.59.1* This is the worst bank on this planet! Don’t waste your time and go elsewhere. They can’t fix simple issues… I asked for the IBAN to be activated and was told that there needs to be money on my account (there was) and that’s why the request was rejected several times and of course they’re unable to help…don’t keep your money here, better go to Eurobank so elsewhere ### 1/5 — You need to be a registered business *2024-07-12, version 1.58.0* What they don’t make crystal clear on the download and signup pages is to use this service you need to be a fully registered business, ie you can’t just be a hobbyist making and selling stuff below the threshold of needing to register with HMRC in order to use this service. So you enter all your personal details, and only after you’ve done that discover it’s useless to you, and have to then jump through the hoops of getting them to delete your personal details. ### 1/5 — Viva is a big scam and stealing from their customers *2024-04-02, version 1.55* Viva Wallet are stealing money from their customers as I was with them, had my own money in my own account, and they refuse to give me back because my company was dissolved although the money I had in my account was way too much before the company dissolved, and I try to contact them and make complain more than doesn’t times but I refuse to give me back the money so they are stealing money in daylight, from everybody never use them again ### 5/5 — Excellent service *2024-04-02, version 1.55* Very easy and efficient ### 1/5 — App no longer works *2023-12-29, version 1.52.1* Just blinking login button now, n Can’t login, can’t do anything uninstall and reinstall does not fix it ### 1/5 — Not the best *2023-11-16, version 1.51.0* You will need to be a mathematician when transfers from your account as it doesn’t deduct 80p for you and will keep denying your transfer until you manually subtract 80p from your transfer total for the fee. The App Store says 0 fees and this is not true it’s one of the most expensive card machines to have instead use lowpay. ### 1/5 — 80p charge to transfer money. *2023-10-22, version 1.50.0* Don’t like having to pay viva wallet .80p every time I want to transfer my money to my bank account. This is why I don’t use this payment system very often. ## Frequently asked questions about viva.com ### What does the viva.com app do? The viva.com app is a comprehensive money management tool for businesses. It allows users to open merchant accounts, monitor sales performance with real-time history and reports, issue refunds, send and receive money, and manage digital and physical cards for themselves and their employees. ### What are the key features of the viva.com app? Key features include easy merchant account opening, detailed sales history and reports, the ability to issue refunds, send and receive money, create and manage digital and physical cards, add cards to mobile wallets for payments, and match receipts with transactions for effortless expense reporting. It also offers an online business savings account with interest in Eurozone countries. ### Is the viva.com app free to use? The app itself is free to download and use. However, as it is a financial management tool for businesses, there may be associated fees for transactions or specific services offered through the platform, such as the viva.com Saver Account. The description indicates it has in-app purchases. ### What languages does the viva.com app support? The viva.com app supports a wide range of languages, including Bulgarian, Croatian, Czech, Danish, Dutch, English, Finnish, French, German, Greek, Hungarian, Italian, Norwegian, Polish, Portuguese, Romanian, Spanish, and Swedish, making it accessible to a global user base. ### Who is the target audience for the viva.com app? This app is designed for business owners and entrepreneurs, particularly those operating small to medium-sized businesses. It is ideal for individuals who need to manage their merchant accounts, track sales, handle expenses, and control their business finances efficiently from a mobile device. ## Version history (last 5 releases) ### 1.78.7 — 2026-07-28 We implemented our regular improvements for a more stable and smooth user experience across the app. ### 1.78.6 — 2026-07-23 We implemented our regular improvements for a more stable and smooth user experience across the app. ### 1.78.5 — 2026-07-08 We implemented our regular improvements for a more stable and smooth user experience across the app. ### 1.78.4 — 2026-06-22 We implemented our regular improvements for a more stable and smooth user experience across the app. ### 1.78.3 — 2026-06-10 We implemented our regular improvements for a more stable and smooth user experience across the app. ## Apps similar to viva.com | App | Rating | Price | Category | | --- | --- | --- | --- | | [NBG Mobile Banking](https://appshunter.io/ios/app/nbg-mobile-banking/id342152889) | 4.7 (1,834) | Free | Finance | | [tbi bank](https://appshunter.io/ios/app/tbi-bank/id1503656555) | 4.8 (176) | Free | Finance | | [yellow](https://appshunter.io/ios/app/yellow/id1541297879) | 5.0 (4) | Free | Finance | | [myAlpha Mobile](https://appshunter.io/ios/app/myalpha-mobile/id378674531) | 4.7 (1,291) | Free | Finance | | [Eurobank Mobile App](https://appshunter.io/ios/app/eurobank-mobile-app/id364587747) | 4.8 (1,370) | Free | Finance | | [myAADEapp](https://appshunter.io/ios/app/myaadeapp/id6452675995) | 4.3 (6) | Free | Finance | ## More apps by VIVA WALLET HOLDINGS - SOFTWARE DEVELOPMENT SA - [viva.com Terminal](https://appshunter.io/ios/app/vivacom-terminal/id1510538423) All apps by VIVA WALLET HOLDINGS - SOFTWARE DEVELOPMENT SA: https://appshunter.io/developer/450121838 ## Related topics [Viva Wallet](https://appshunter.io/ios/topics/viva-wallet) · [viva finance](https://appshunter.io/ios/topics/viva-finance) · [mifinity](https://appshunter.io/ios/topics/mifinity) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-29.*