Arival

Arival is a Puerto Rico International Financial Entity. OCIF licence IFE-065. That is not a national bank and it is not FDIC. The pricing FAQ says so. The licence also bars Puerto Rico residents and PR-incorporated firms. Use it as a foreign-SME rail if the file fits. Keep salary and treasury at a chartered bank.

Arival Bank International Corp. sits at 1250 Ponce de León, San Juan. OCIF IFE, not OCC. Directories dump it next to SoFi because the word ‘Bank’ is on the tin. This desk does not. Settlement-partner FDIC language is a pitch, not a scheme. If the homepage says ‘US-licensed bank’, read the IFE number.

Arival lists International Financial Entity — Arival Bank International Corp., licence #IFE-065 under Puerto Rico OCIF in Puerto Rico / United States. On safeguarding we currently write: Not FDIC, FSCS or DGS. Arival Bank International Corp. is not directly insured. Settlement-partner FDIC is a pitch — read the live pricing FAQ, not the homepage.. Holder / issuer line: Arival Bank International Corp. (IFE, not a national bank). An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Business plans — confirm live; FX Corridor pricing, not mid-market magic; ATM Not a consumer ATM product. This desk would open it for: Non-PR companies that want a named Puerto Rico IFE and already keep operating cash at a real bank.

What it does well: Named OCIF IFE #IFE-065; Honest on the FAQ that it is not FDIC; Built for foreign SMEs. What to watch: Not FDIC / FSCS / DGS; Cannot serve Puerto Rico residents; IFE is not a national bank. Desk score 6.4 / 10 (safety 5.6, fees 6.4, features 7.0, app 6.8). Last verified 2026-08-28. Headquartered in San Juan, United States; founded 2020. None of this is advice — it is a file so you can read the entity before the card colour.