European payment & banking apps
European fintech, neobanks, and payment tools that keep your money in European hands.
These are the apps and banks you use to hold and move money. Your payment history is some of your most sensitive data. European banks and fintechs keep it under EU rules and European banking law. N26 and bunq are fully licensed European banks. Wise makes sending money abroad cheap and clear. Your account, and your money, stay inside Europe's financial system.
Carefully selected European alternatives, some links may earn us a small commission.
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.
Amsterdam-based, publicly-listed (Euronext Amsterdam) payments company built full-stack: Adyen owns and operates its entire payment infrastructure on its own data centres, and European card data is kept in Europe. A single platform for online, in-app and in-person payments used by large enterprises. PCI DSS Level 1 certified and independently audited as a licensed European bank.
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
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
London-founded neobank for spending, transfers and FX. Its EU business runs through Revolut Bank UAB, licensed in Lithuania and supervised by the ECB, so EU customers bank under EU law – but the group is headquartered in the UK (outside the EU) and runs on AWS rather than its own infrastructure.
Replaces: Paypal , Western Union , Moneygram
UK-founded money transfer service with transparent fees and real exchange rates. EU-licensed through Wise Europe SA.
Replaces: Paypal , Western Union , Moneygram , Visa , Mastercard , American Express
UK digital bank, cloud-native on AWS since day one and regulated by the FCA/PRA. Caveat: it is UK-only, with no EU entity or EU banking licence, and post-Brexit both the bank and its AWS hosting sit under UK jurisdiction rather than the EU.
Replaces: Paypal
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