European Payments & banking Alternatives

4 independently selected Payments & banking providers, European-owned, GDPR-compliant, ranked by EuroPoints.

Carefully selected European alternatives, some links may earn us a small commission.

N26

86 · Strongly European

Germany EU

German neobank with a full banking licence from BaFin, operating across 23 European countries. Founded in Berlin in 2013, converted to a pan-European Societas Europaea (SE) in January 2025, and fully focused on Europe after exiting the US in 2021.

Replaces: Revolut , Monzo

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bunq

83 · Strongly European

Netherlands EU

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

Replaces: Revolut , Monzo , Paypal , Visa , Mastercard , American Express

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Mollie

83 · Strongly European

Netherlands EU

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.

Replaces: Square , Stripe , Paypal , Adyen , Visa , Mastercard , American Express

See Mollie details