European alternatives to Visa

Global payment technology company.

Visa Inc. · Outside Europe

About Visa

Company: Visa Inc.
HQ: United States
Zone: Outside Europe

Key concerns

Non-European ownershipSubject to US CLOUD Act

bunq

83 · Strongly European

Netherlands · Payments & banking

Dutch mobile bank focused on sustainability. Plant trees with every payment. Full EU banking licence, no hidden fees.

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Freemium · from Free Free tier 🇪🇺 EU

★ Popular

Mollie

83 · Strongly European

Netherlands · Payments & banking

Dutch payment processor trusted by 250,000+ European businesses. Founded in 2004 by Adriaan Mol who remains CEO and majority shareholder. Supports iDEAL, Bancontact, SEPA and all major European payment methods.

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Paid · from No monthly fee Free tier 🇪🇺 EU

Wise

43 · Not Very European

United Kingdom · Payments & banking

UK-founded money transfer service with transparent fees and real exchange rates. EU-licensed through Wise Europe SA.

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Freemium · from Free Free tier European

Looking for all European Payments & banking alternatives? Browse the full list →

Did you know? Storing data on European servers does not protect you from US law if the company is American-owned.

Why avoid United States-owned services?

CLOUD Act

Allows US authorities to compel American companies to hand over data stored anywhere in the world.

FISA Section 702

Permits mass surveillance of non-US persons' data held by US tech providers, without a warrant.

GDPR vs US law

Transferring personal data to US companies may conflict with EU data protection rules under GDPR.

These concerns apply to all United States tech companies — see our full analysis →