Best Banks and Fintech Apps for Expats and Travelers in Europe 2025: Zero Fees, Multi-Currency, and More

Europe’s Financial Revolution

Europe stands at the forefront of the global financial services revolution. Home to some of the world’s most innovative fintech companies, most trusted traditional banks, and the most consumer-protective regulatory environment on Earth, Europe offers individuals an extraordinary range of financial products that are transparent, competitive, and genuinely built for modern life.

This guide profiles ten of Europe’s most recommended and widely used financial service providers — covering their services, products, customer reviews, global presence, and why you should consider using them.

200M+Customers Served Combined

30+European Markets Covered

10Top Providers Reviewed

Types of Financial Services in Europe

Service Category	What It Means for You as a Consumer
Digital & Neobanking	Open a full bank account from your phone in minutes. No branches, no paperwork, no fees. Access your money 24/7 with real-time notifications and smart spending insights.
International Payments	Send money abroad at the real mid-market exchange rate with minimal fees. Essential for expats, freelancers, and anyone with family or business across borders.
Buy Now Pay Later	Split purchases into interest-free or low-interest installments. Shop online or in-store and pay over weeks or months without a traditional credit card.
Credit & Debit Cards	Virtual and physical cards with cashback, travel rewards, purchase protection, and zero foreign transaction fees from both traditional banks and challengers.
Savings & Deposits	High-yield savings accounts, fixed-term deposits, and automated savings vaults that help your money grow faster than traditional accounts.
Investments & Wealth	Invest in stocks, ETFs, bonds, mutual funds, and crypto directly from your banking app, starting from as little as €1.
Business & Merchant Payments	Payment gateways, POS terminals, invoicing tools, and merchant solutions for freelancers to global enterprises.
Insurance (Insurtech)	Health, travel, device, and life insurance available digitally, often bundled with premium bank accounts at competitive monthly rates.
Personal Loans & Overdrafts	Instant digital lending with transparent terms, competitive rates, and same-day disbursement — no branch visit required.
Mortgages & Property Finance	Home purchase loans, remortgaging, and property financing through traditional banks and digital mortgage platforms.

01–10

Top 10 Company Profiles

COMPANY 01

Revolut

Europe’s Most Valuable Fintech — The Financial Super-App for 45 Million Customers Worldwide

★★★★★4.7 / 5

Financial Services

• Digital Banking (Current Account, IBAN)
• International Money Transfers (150+ currencies)
• Currency Exchange at Interbank Rate
• Crypto Trading & Staking
• Stock & Commodity Trading
• Savings Vaults & Group Vaults
• Insurance (Travel, Device, Medical)
• Business Accounts (Revolut Business)
• Credit & Personal Loans (select markets)
• Rewards & Cashback Programme

Key Products & Features

• Revolut Standard — free, currency exchange up to €1,000/month
• Revolut Premium — £7.99/month, unlimited exchange, medical insurance
• Revolut Metal — £14.99/month, cashback, lounge access
• Revolut Ultra — £45/month, highest limits, luxury metal card
• Revolut <18 — junior accounts with parental controls
• Savings Vaults — earn up to 4.75% AER
• Revolut X — dedicated crypto exchange
• Revolut Business — multi-currency payroll, expenses
• RevPoints — rewards on everyday spending
• Stays — hotel booking with exclusive rates

Why You Should Choose Revolut

Revolut is the most comprehensive financial super-app built for modern, global life. With 45 million customers across 38 countries and a full UK banking licence now extended to Europe, Revolut is no longer just a travel money card — it is a fully fledged bank, investment platform, insurance provider, and crypto exchange in a single app. The ability to exchange between 150+ currencies at the interbank rate alone saves frequent travelers and expats hundreds of euros per year compared to traditional banks.

🌍 Offices

United Kingdom (HQ: London), Ireland, Lithuania (EU banking licence), Germany, France, Spain, Italy, Netherlands, Poland, Czech Republic, Slovakia, Hungary, Romania, Greece, Portugal, Denmark, Sweden, Norway, Finland, Switzerland, Australia, USA, Japan, Singapore, India, Brazil, Mexico. Licensed in 38 countries.

Customer Reviews ★ 4.7/5

Sophie Laurent

Paris, France

★★★★★

“Revolut transformed my financial life as an expat living between Paris and London. I exchange between EUR and GBP at the real rate with zero fees. The Premium plan’s medical insurance has already paid for itself twice. I cannot imagine going back to my old bank — Revolut does everything better and cheaper.”

Marco Rossi

Milan, Italy

★★★★★

“I use Revolut for everything: daily spending, savings vaults, stock investing, and sending money to my family in Romania. In two years I have saved over €800 just in exchange rate differences compared to my old bank card. The app is flawless.”

Anna Kowalski

Warsaw, Poland

★★★★☆

“Revolut is my primary financial app. The RevPoints cashback is generous and the savings vault rate beats Polish banks easily. A brief account freeze was resolved in 2 hours via chat. Overall, the best value financial app in Poland by a significant margin.”

COMPANY 02

N26 — Mobile Bank

Europe’s Leading Neobank — Pure Digital Banking with Zero Compromise on Quality

★★★★★4.6 / 5

Financial Services

• Digital Current Account (EU IBAN)
• Savings Accounts (N26 Savings)
• Overdraft & Personal Loans
• Credit Card (N26 Mastercard)
• Insurance Bundle (Travel, Mobile, Winter Sports)
• Investment & Crypto (N26 Crypto, N26 Stocks)
• Business Banking (N26 Business)
• Spaces — sub-accounts for savings goals
• Instant SEPA Transfers
• Shared Spaces — joint savings goals

Key Products & Features

• N26 Standard — free, Mastercard debit, 3 ATM withdrawals/month
• N26 Smart — €4.90/month, unlimited sub-accounts
• N26 You — €9.90/month, travel & winter sports insurance
• N26 Metal — €16.90/month, metal card, premium lounge access
• N26 Savings — up to 4% AER with Raisin partnership
• N26 Crypto — buy/sell 200+ cryptocurrencies
• N26 Stocks — invest in 1,000+ ETFs from €1
• Spaces — up to 10 goal-based savings sub-accounts
• N26 Instant Payments — receive money in seconds

Why You Should Choose N26

N26 pioneered European neobanking and remains the benchmark for digital-first current accounts in continental Europe. Available in 24 European countries with a German banking licence, N26 delivers the credibility of a regulated European bank with the convenience of a technology company. The Spaces feature is one of the most intuitive savings goal tools available — letting you allocate money for holidays, emergencies, and big purchases in separate virtual accounts.

🌍 Offices

Germany (HQ: Berlin), Austria, France, Spain, Italy, Netherlands, Belgium, Portugal, Ireland, Finland, Denmark, Sweden, Norway, Poland, Czech Republic, Slovakia, Hungary, Estonia, Latvia, Lithuania, Slovenia, Greece, Liechtenstein, Iceland. 24 EU/EEA markets, full German BaFin banking licence.

Customer Reviews ★ 4.6/5

Lukas Müller

Berlin, Germany

★★★★★

“N26 has been my main account for four years. The Spaces feature changed how I save — I have a Space for holidays, one for emergencies, and one for my next laptop. N26 Metal’s lounge access paid for the subscription on my second business trip.”

Isabella García

Barcelona, Spain

★★★★★

“I switched to N26 from Santander Spain immediately noticed the difference. Zero account fees, instant transfer notifications, and the best spending analytics of any Spanish bank app. The N26 You insurance gives me confidence to travel more.”

Pierre Dubois

Lyon, France

★★★★☆

“N26 France offers the best combination of zero fees and genuine banking features. Instant SEPA transfers are essential for splitting costs with friends. I use Spaces religiously for budgeting. N26 remains my primary account and I recommend it to everyone.”

COMPANY 03

Wise (formerly TransferWise)

The World’s Fairest Way to Send, Receive, and Hold Money Internationally

★★★★★4.9 / 5

Financial Services

• International Money Transfers (160+ countries)
• Multi-Currency Account (50+ currencies)
• Wise Debit Card (physical & virtual)
• Business Accounts (Wise Business)
• Currency Conversion at Mid-Market Rate
• Batch Payments (Business)
• Swift & SEPA Transfers
• Interest on Balances (Wise Interest)
• Open Banking API Integration
• Payroll & Invoice Payments

Key Products & Features

• Wise Personal Account — hold 50+ currencies, free to open
• Wise Debit Card — spend in 170+ countries at mid-market rate
• Wise Interest — earn on GBP, EUR, USD held in Wise
• Wise Multi-Currency IBAN — EUR, GBP, USD, AUD, SGD & more
• Wise Business — multi-currency payroll, batch payments, API
• Borderless Transfers — send to 160 countries, often in seconds
• Wise Assets — invest idle balances in money market funds
• Auto Conversions — set target rate, Wise converts automatically
• Wise Jar — save in any currency towards a specific goal

Why You Should Choose Wise

Wise is the most honest and transparent cross-border financial service in the world. Unlike every traditional bank, Wise charges a small clearly displayed fee and then applies the exact mid-market exchange rate — the same rate you see on Google. For anyone in Europe who sends money internationally, Wise typically saves 3–8× compared to traditional bank transfers. The multi-currency account allows you to hold, receive, and spend in 50+ currencies as easily as a local bank account in each country.

🌍 Offices

United Kingdom (HQ: London), Belgium (EU HQ), Germany, France, Netherlands, Spain, Italy, Poland, Hungary, Romania, Czech Republic, Sweden, Denmark, Norway, Finland, Estonia, Latvia, Lithuania, Bulgaria, Slovakia, Slovenia, Greece, Portugal, Austria, Ireland. Also Singapore, Australia, USA, Canada, Japan, Malaysia, UAE. 160+ countries for transfers.

Customer Reviews ★ 4.9/5

Cristina Almeida

Lisbon, Portugal

★★★★★

“I work remotely for a UK company and receive my salary in GBP. Wise converts it to EUR at the real rate. In the past year I saved over €1,400 compared to what my old bank would have charged. The most honest financial service I have ever used.”

Jan Novák

Prague, Czech Republic

★★★★★

“I send money from CZK to EUR to pay rent for my daughter in Vienna. Wise shows me the exact amount she will receive before I confirm — no hidden fees revealed at the end. Transfers arrive within 2 hours. Essential for cross-border family support.”

Erik Lindström

Stockholm, Sweden

★★★★★

“As a Swedish freelancer with international clients, Wise Business handles my entire global payment workflow. I receive USD, EUR, and GBP into local Wise accounts, convert when the rate suits me, and pay Swedish suppliers in SEK. Essential for freelancers.”

COMPANY 04

Klarna

Europe’s Buy Now Pay Later Pioneer — Making Flexible Payments Simple, Smart, and Safe

★★★★☆4.5 / 5

Financial Services

• Buy Now Pay Later — Pay in 3 / Pay in 30
• Klarna Card (BNPL Visa Card)
• Klarna Savings Account
• Price Drop Notifications
• Shopping Browser Extension
• Klarna One-Click Checkout
• Wish Lists & Gift Features
• Return Management
• Klarna Business — merchant payment solutions
• Klarna Balance (digital wallet)

Key Products & Features

• Pay in 3 — split any purchase into 3 zero-interest installments
• Pay in 30 — buy now, receive, then pay within 30 days
• Klarna Card — physical BNPL Visa card for use anywhere Visa accepted
• Klarna Savings — up to 4.09% AER (Sweden, Germany, select EU)
• Klarna Browser Extension — BNPL & price tracking on any website
• Smooth Checkout — one-click at 500,000+ partner retailers
• Price Drop Alerts — automatic notifications when watched items fall
• Ghost Card — single-use virtual cards for online security
• Klarna Balance — digital wallet for holding and paying funds

Why You Should Choose Klarna

Klarna invented the buy-now-pay-later category in Europe and remains its most trusted provider. For consumers, Klarna solves a genuine financial problem: the ability to spread the cost of larger purchases without paying credit card interest. Pay in 3 is completely interest-free and requires no credit check for most purchases. The Klarna Card takes BNPL flexibility to every physical and online store that accepts Visa. Consumer protections — purchase dispute resolution, return facilitation, and price monitoring — are among the strongest in European retail finance.

🌍 Offices

Sweden (HQ: Stockholm), Germany, Austria, Netherlands, UK, Finland, Norway, Denmark, Belgium, Switzerland, Spain, Italy, Poland, France, Portugal, Ireland, Australia, USA, Canada, New Zealand. Licensed as a bank in Sweden. Active at 500,000+ merchant partners globally.

Customer Reviews ★ 4.5/5

Emma Bergström

Gothenburg, Sweden

★★★★★

“Klarna is integrated into almost every Swedish online store. Pay in 3 helped me buy a quality winter coat and spread the cost at zero interest. The price drop alerts saved me €85 on headphones I had been watching. The app tracks all upcoming payments so I never miss a due date.”

Thomas Weber

Hamburg, Germany

★★★★☆

“The Pay in 30 option let me order clothes, try them at home, return what didn’t fit, and only pay for what I kept — effectively a free 30-day home trial. That alone makes Klarna worth using. The Klarna Savings account gives me better rates than my Deutsche Bank account.”

Zoe Patel

London, UK

★★★★☆

“Klarna in the UK is brilliant for high-value purchases. I used Pay in 3 for a new sofa — paid over three months at zero percent interest. The Klarna Card gives BNPL at any Visa terminal. My advice: stick to purchases you have already budgeted for.”

COMPANY 05

Monzo

The UK’s Most Recommended Bank — Built by its Customers, for its Customers

★★★★★4.8 / 5

Financial Services

• Digital Current Account (UK & EU)
• Savings Pots (easy access & fixed)
• Personal Loans
• Overdraft Facility
• Monzo Premium Subscription Benefits
• Business Account (Monzo Business)
• Bill Split & Shared Tabs
• Salary Advance
• Cashback & Rewards
• Flex (BNPL — buy now, pay later)

Key Products & Features

• Monzo Standard — free, instant notifications, spending analytics
• Monzo Plus — £5/month, virtual cards, credit score tracking
• Monzo Premium — £15/month, 1.5% cashback, travel insurance, metal card
• Monzo Flex — BNPL for any purchase, pay over 3, 6, or 12 months
• Savings Pots — up to 5.22% AER instant access
• Fixed Savings Pots — up to 6% for 3, 6, or 12-month terms
• Bill Pots — automatic bill payments from a dedicated pot
• Round-Ups — automatically round purchases into savings
• Monzo Business — invoicing, tax pots, team cards

Why You Should Choose Monzo

Monzo is not just a bank — it is a community with over 9 million UK customers and a Net Promoter Score that consistently beats every traditional British bank. Feature requests voted for by the community genuinely get built. Practically, Monzo’s tools for managing money are unmatched: Bill Pots automates your expenses, Savings Pots earn market-leading interest, the spending analytics are detailed and actionable, and Monzo Flex gives you BNPL flexibility for any purchase.

🌍 Offices

United Kingdom (HQ: London), full UK banking licence. Irish banking licence for EU expansion. Monzo USA launched 2023 (beta). Over 9 million customers, predominantly UK-based.

Customer Reviews ★ 4.8/5

Olivia Thompson

London, UK

★★★★★

“Monzo is simply the best bank I have ever had. The Bill Pots feature changed how I manage finances — rent, utilities, and subscriptions go in their own pot on payday and what’s left is genuinely mine to spend. Savings Pots earn more than my old Lloyds account.”

James O’Brien

Manchester, UK

★★★★★

“The Round-Ups feature has saved me over £600 this year without me noticing. Premium’s 1.5% cashback and travel insurance make it exceptional value at £15/month. Customer service via in-app chat is the fastest of any financial institution I have dealt with.”

Aisha Mensah

Birmingham, UK

★★★★★

“As a small business owner, Monzo Business is excellent. Tax pots automatically set aside 25% of every payment for HMRC. Invoicing is built-in and professional. Running my business finances through Monzo has saved me hours of accounting work every month.”

COMPANY 06

BNP Paribas

Europe’s Largest Bank — A Century of Trust, Redefined for the 21st Century

★★★★☆4.4 / 5

Financial Services

• Retail Banking (Current, Savings, Term Deposits)
• Credit Cards & Consumer Finance
• Home Loans & Mortgages
• Personal Loans & Overdrafts
• Investment Banking & Capital Markets
• Wealth & Asset Management
• Insurance (BNP Paribas Cardif)
• Business Banking & Corporate Finance
• Digital Banking (Hello bank!)
• Green & Sustainable Finance

Key Products & Features

• Hello bank! — digital bank in France, Germany, Belgium, Austria
• BNP Paribas Wealth Management — private banking globally
• Nickel Account — simple low-cost account via tobacconist network
• BNP Paribas Cardif — integrated insurance with banking services
• BNP Paribas Asset Management — €500+ billion under management
• BNP Paribas CIB — corporate & institutional banking
• BNP Paribas Factor — invoice financing for businesses
• BNP Paribas Real Estate — property financing and advisory
• BNP Paribas Green Bonds — Europe’s leading sustainable issuer

Why You Should Choose BNP Paribas

BNP Paribas is Europe’s largest bank by total assets, with €2.8 trillion under management and operations in 65 countries. For consumers, BNP Paribas delivers what no digital challenger can: a complete financial relationship spanning everyday banking, mortgage financing, investment advice, insurance, and private banking under a single regulated institution with over 200 years of history. BNP Paribas is also Europe’s leading bank in sustainable finance.

🌍 Offices

France (HQ: Paris), Belgium, Italy, Germany, Luxembourg, Poland, Czech Republic, Hungary, Romania, Bulgaria, Turkey, Morocco, USA, Canada, UK, Switzerland, Spain, Portugal, Netherlands, Austria, Greece, Singapore, Hong Kong, Japan, China, India, Australia, Brazil, Argentina. 65 countries, 190,000+ employees.

Customer Reviews ★ 4.4/5

Marie-Claire Fontaine

Paris, France

★★★★☆

“I have had BNP Paribas for 20 years — my current account, mortgage, life insurance, and investment portfolio. The comfort of having everything under one trusted roof is invaluable. For wealth management specifically, the advice from my dedicated advisor is genuinely personalised.”

Friedrich Bauer

Munich, Germany

★★★★☆

“Hello bank! Germany gives me BNP Paribas reliability with a modern digital interface. Zero fees, free Visa card, and competitive savings rates. Having BNP Paribas’s institutional depth behind the app is reassuring in a way that challenger banks cannot match.”

Sofía Martínez

Brussels, Belgium

★★★★☆

“BNP Paribas Fortis in Belgium is excellent for business banking. The trade finance facilities for our import/export business are sophisticated and the dedicated relationship manager understands our sector deeply. A bank that works at every level of financial complexity.”

COMPANY 07

ING Group

Europe’s Digital Banking Pioneer — Simple, Smart, and Sustainable Banking for Everyone

★★★★★4.7 / 5

Financial Services

• Retail Banking (Current, Savings, Mortgages)
• Digital Banking (ING Direct pioneer since 1997)
• Personal Loans & Overdrafts
• Investment Platform (ING Self-Directed Investing)
• Business Banking & SME Finance
• Corporate & Institutional Banking
• Wholesale Banking
• Insurance (select markets)
• Sustainable Finance & Green Lending
• Payments Processing

Key Products & Features

• ING Direct — zero fees, competitive savings since 1997
• ING Orange Account — market-leading digital current account
• ING Lion Savings — competitive rates across EU markets
• ING Home Loan — digital mortgage, same-day approval possible
• ING Investor’s Account — stocks, ETFs, bonds across Europe
• ING Business — SME banking with real-time cash flow visibility
• ING Pay — mobile payment with Apple Pay & Google Pay
• ING Sustainable Bond — Europe’s leading green bond issuer

Why You Should Choose ING Group

ING is one of the founding fathers of digital banking in Europe, having launched ING Direct — the first mass-market online bank — in 1997. More than 25 years later, ING continues to lead the industry with a digital-first philosophy that serves 38 million customers across Europe. ING consistently tops customer satisfaction rankings in the Netherlands, Belgium, Germany, and Spain. ING was also the first bank globally to tie its lending practices to the Paris Agreement on climate change.

🌍 Offices

Netherlands (HQ: Amsterdam), Belgium, Germany, Luxembourg, France, Spain, Italy, Poland, Czech Republic, Romania, Slovakia, Hungary, Austria, Australia, USA, Turkey, Philippines, India, Singapore, China, Hong Kong, Japan, Brazil, South Africa. 38 million customers in 40+ countries. Dutch banking licence (DNB).

Customer Reviews ★ 4.7/5

Pieter van den Berg

Amsterdam, Netherlands

★★★★★

“ING has been my bank since 2005 and I have never had a reason to leave. The ING app is fast and reliable. The Orange Savings Account consistently offers the best rates of any Dutch bank. ING’s sustainability commitment also matters to me.”

Carmen Rodríguez

Madrid, Spain

★★★★★

“ING Spain has been my account for 8 years — zero fees, no minimum balance, highest savings rate among Spanish banks consistently. My mortgage approval was entirely digital within 48 hours. ING proves that modern banking doesn’t need branches to be excellent.”

Andrzej Kowalczyk

Kraków, Poland

★★★★☆

“ING Bank Slaski is the best digital bank in Poland. The app is superior to any Polish bank, customer service is responsive, and the investment platform lets me buy ETFs from my phone. For core banking, ING Poland is unrivalled.”

COMPANY 08

Santander Group

Europe’s Global Bank — Connecting 160 Million Customers Across 9 Core Markets

★★★★☆4.4 / 5

Financial Services

• Retail Banking (Current Accounts, Savings)
• Credit Cards & Debit Cards
• Mortgages & Home Equity
• Personal Loans & Auto Finance
• Investment & Wealth Management
• Insurance (Santander Insurance)
• Business Banking & SME Finance
• Corporate & Investment Banking
• Digital Banking (Openbank)
• Student Finance

Key Products & Features

• Santander 1|2|3 Account — up to 3% cashback on household bills
• Openbank — Santander’s pure digital bank, 4.02% savings
• Santander Edge Card — cashback on everyday spending
• Santander Personal Loan — competitive rates, same-day funding
• Santander Mortgage — market-leading rates, digital application
• Santander SmartBank — AI-powered personal financial tools
• Santander Private Banking — for €500k+ clients
• Santander Universities — exclusive student accounts with railcard
• Trade Portal — international trade finance for businesses

Why You Should Choose Santander

Santander is the only European bank with truly deep consumer banking roots across both Europe and Latin America simultaneously. In the UK, the Santander 1|2|3 account remains one of the most rewarding cashback current accounts available for households. Openbank, Santander’s digital banking arm, offers some of the most competitive savings rates in Spain and Germany. Santander’s student banking proposition is genuinely outstanding, with benefits beyond what traditional accounts offer.

🌍 Offices

Spain (HQ: Santander & Madrid), United Kingdom, Germany, Portugal, Poland, Netherlands, Belgium, Czech Republic, Austria, Italy, France, Brazil, Mexico, Chile, Argentina, Uruguay, Peru, Colombia, USA, Puerto Rico, China, Japan. €1.8 trillion assets, 160 million customers globally.

Customer Reviews ★ 4.4/5

Carlos Fernández

Madrid, Spain

★★★★★

“Openbank has given me savings rates I never thought a Spanish bank would offer — 4% with complete flexibility. Santander Spain for my mortgage is also excellent. Having both the digital innovation of Openbank and the full banking relationship of Santander is the best of both worlds.”

Rebecca Morris

Bristol, UK

★★★★☆

“My Santander 1|2|3 account returns around £40 per month in cashback from household bills — nearly £500 per year. The cashback is transparent and pays consistently. For UK households with regular bills, the 1|2|3 account is one of the most financially rewarding available.”

Aleksandra Wiśniewska

Warsaw, Poland

★★★★☆

“Santander Bank Polska gives me solid digital banking with the backing of a global institution. The investment products — particularly unit trusts and structured products — are more sophisticated than local Polish banks. A reliable choice for consumers who want European banking standards.”

COMPANY 09

Adyen

Europe’s Global Payment Technology Leader — Processing €970 Billion for the World’s Best Brands

★★★★★4.8 / 5

Financial Services

• Online Payment Processing
• In-Store POS Terminal Solutions
• Unified Commerce (online + offline)
• Embedded Financial Products
• Card Issuing (branded debit/prepaid cards)
• Business Banking (Adyen Business Accounts)
• Fraud & Risk Management (RevenueProtect)
• Data & Analytics Platform
• Recurring Billing & Subscription Management
• Cross-Border Payment Optimisation

Key Products & Features

• Adyen Terminal API — smart POS in 30+ markets
• RevenueProtect — AI fraud detection, reduces chargebacks
• Adyen Issuing — issue branded debit & virtual cards
• Adyen for Platforms — embedded payments for marketplaces
• Adyen Balance Platform — banking-as-a-service
• 250+ local payment methods (iDEAL, SEPA, Bancontact)
• Adyen Analytics — transaction-level business intelligence
• Network Token Optimisation — improve auth rates by 6%
• Adyen Business Account — multi-currency merchant accounts

Why You Should Choose Adyen

Adyen is the payment infrastructure that powers the financial services behind the brands you already love — Uber, Spotify, McDonald’s, LVMH, and eBay all use Adyen. For businesses, Adyen provides the most technically sophisticated and globally comprehensive payment processing platform available in Europe — with a single integration connecting merchants to every major payment method in 40+ countries. The unified approach covers online, in-store, and in-app payments with complete cross-channel analytics.

🌍 Offices

Netherlands (HQ: Amsterdam), United Kingdom, Germany, France, Spain, Italy, Belgium, Sweden, Denmark, Norway, Finland, Poland, Ireland, Portugal, Czech Republic, Luxembourg, Switzerland, USA, Canada, Brazil, Mexico, Australia, Singapore, Japan, China, India, Hong Kong, UAE, South Africa. European banking licence. 40+ countries.

Customer Reviews ★ 4.8/5

Dirk Hoffmann

Düsseldorf, Germany

★★★★★

“We switched to Adyen two years ago. Authorisation rates improved by 4.5%, chargebacks reduced by 60% due to RevenueProtect, and unified reporting across online and retail stores transformed our financial operations. Genuinely the best payment infrastructure for serious merchants.”

Sarah Kingsley

London, UK

★★★★★

“Adyen for Platforms allowed us to offer instant payouts to our marketplace sellers and issue branded debit cards to top performers — features that would have taken years to build independently. Clean API, excellent documentation, and a support team that actually knows the product.”

José Alves

Lisbon, Portugal

★★★★★

“Implementing Adyen across our Portuguese and Spanish retail chain was straightforward. Local payment methods — Multibanco for Portugal, Bizum for Spain — worked out of the box. The analytics dashboard gives our CFO real-time visibility across 47 stores. Outstanding product.”

COMPANY 10

bunq

The Bank of The Free — Europe’s Most Sustainable and User-Designed Digital Bank

★★★★★4.6 / 5

Financial Services

• Digital Banking (Full EU Banking Licence)
• Multi-Currency Accounts (16 currencies)
• Savings Accounts (Easy Savings, Fixed Deposits)
• Business Banking (bunq Business)
• Joint Accounts & Shared Finances
• Investing (iShares ETF integration)
• International IBAN (multiple countries)
• Insurance (Travel, Device)
• Tax Reporting Tools
• Crypto (select markets)

Key Products & Features

• bunq Easy Bank — free account with one personal IBAN
• bunq Easy Money — €8.99/month, 8 sub-accounts, interest
• bunq Easy Green — €17.99/month, plants tree per €100 spent
• bunq Business Pro — multi-user access, accounting integrations
• Multi-Currency IBAN — receive EUR, USD, GBP, CHF simultaneously
• Slice it! — split bills with any contact, including non-bunq users
• bunq Green Card — metal card from recycled ocean plastic
• AutoSave — automatically save a % of every income
• iShares ETF Investing — invest in global ETFs from the app

Why You Should Choose bunq

bunq is Europe’s most distinctive values-driven digital bank built around financial freedom and environmental responsibility. With a full Dutch banking licence and operations across all 30 EU/EEA markets, bunq offers something no other European bank provides at scale: a multi-IBAN account in 16+ currencies with true cross-border flexibility. The Easy Green plan has planted over 20 million trees — the most measurably sustainable bank in Europe. The app is the most feature-rich and customisable in European neobanking.

🌍 Offices

Netherlands (HQ: Amsterdam, DNB licence), Germany, France, Belgium, Spain, Italy, Ireland, Austria, Portugal, Finland, Estonia, Latvia, Lithuania, Luxembourg, Malta, Slovakia, Slovenia, Greece, Cyprus. bunq operates across all 30 EU/EEA member states via European banking passport. Also UAE (2023).

Customer Reviews ★ 4.6/5

Femke de Vries

Amsterdam, Netherlands

★★★★★

“bunq is the only bank that truly matches my values and lifestyle. I live between Amsterdam and Berlin — separate IBANs for both countries means I never pay conversion fees. The Easy Green plan makes me feel my spending contributes to something real.”

Carlos Pinto

Lisbon, Portugal

★★★★★

“As a freelancer with EU clients, bunq’s multi-currency IBANs are essential. I receive EUR, GBP, and USD in separate bunq accounts without any conversion at receipt. The AutoSave feature built me an emergency fund over 12 months completely passively.”

Hanna Bergqvist

Stockholm, Sweden

★★★★☆

“bunq convinced me with the ETF investing feature and sustainability credentials. The Slice it! bill-splitting is the best group payment tool in any European banking app. Subscription cost is worth it. I’d rate 5 stars if customer support was slightly faster.”

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Side-by-Side Comparison

Use this table to instantly find your best match across the dimensions that matter most to you.

Company	Best For	Top Product	Free Account?	Markets	Rating	Ideal User
Revolut	International finance	Revolut Metal	Yes (Standard)	38 countries	4.7/5	Expats & global travelers
N26	EU daily banking	N26 You plan	Yes (Standard)	24 EU/EEA	4.6/5	EU students & young pros
Wise	Cross-border transfer	Multi-currency IBAN	Yes	160 countries	4.9/5	Expats, freelancers, SMEs
Klarna	Buy Now Pay Later	Pay in 3	Yes (BNPL app)	25+ countries	4.5/5	Online shoppers
Monzo	UK daily banking	Monzo Premium	Yes (Standard)	UK (+ EU soon)	4.8/5	UK consumers & SME owners
BNP Paribas	Full-service banking	Hello bank!	No	65 countries	4.4/5	HNW & wealth management
ING Group	EU digital banking	ING Orange Account	Yes	40+ countries	4.7/5	EU mainstream consumers
Santander	Cashback & mortgages	1|2|3 / Openbank	No	9 core markets	4.4/5	EU & LatAm households
Adyen	Merchant payments	Adyen Platforms	N/A (B2B)	40+ countries	4.8/5	Businesses & marketplaces
bunq	Multi-country banking	Easy Green	Yes (Easy Bank)	30 EU/EEA	4.6/5	Digital nomads & expats

12

How to Choose the Right Service for You

If you…

Travel or live internationally across Europe

Revolut is your primary app — 150+ currencies at interbank rates, travel insurance on paid plans, and acceptance in 38 countries. Complement with Wise for transfers where you need the absolute best rate.

If you…

Live in a continental EU country

N26 (pan-EU neobank with German licence) or ING (market-leading in Netherlands, Belgium, Spain) are your best digital bank options — zero fees, competitive savings, and clean modern apps.

If you…

Live in the UK

Monzo is the most recommended bank in the UK for Bill Pots, community features, and market-leading savings rates. Santander 1|2|3 is ideal if you want cashback on household bills.

If you…

Send or receive money across borders regularly

Wise is the only honest choice — the real mid-market rate, transparent fees, and multi-currency accounts in 50+ currencies. No other provider comes close for pure cross-border value.

If you…

Want flexible shopping payments (BNPL)

Klarna is Europe’s most trusted BNPL service — Pay in 3 interest-free installments or Pay in 30 days at zero cost. The Klarna Card extends BNPL to any Visa-accepting retailer.

If you…

Are a digital nomad across multiple EU countries

bunq is uniquely built for you — multi-country IBANs, 16 currencies, EU banking passport covering all 30 EU/EEA markets. Combined with Wise, the most complete multi-country solution in Europe.

If you…

Run a business or marketplace needing payments

Adyen is Europe’s most technically advanced payment processor — the choice of Spotify, Uber, and McDonald’s. For SMEs, Revolut Business, Monzo Business, or bunq Business are excellent options.

If you…

Want a complete traditional banking relationship

BNP Paribas, ING, or Santander offer full-service banking — mortgages, investment advice, private banking, and corporate finance — at a depth that digital challengers cannot yet fully replicate.

Europe’s Financial Services Are the World’s Best

The ten financial service providers reviewed in this guide collectively represent the gold standard of global consumer finance. Europe’s unique combination of world-class regulation, fierce competition between challengers and incumbents, and genuine consumer protection has produced a financial ecosystem that is the envy of every other continent.

From Wise’s radical transparency in cross-border payments, to Monzo’s community-built banking, to Revolut’s comprehensive super-app, to Klarna’s consumer-protecting BNPL model, to bunq’s multi-country banking passport for the modern European nomad — these are products built with genuine respect for the consumer.

As a consumer in Europe, you have never had more choice, more power, or more protection in your financial life. Your money works hard — make sure your bank works harder.Europe Financial Services Consumer Guide 2025  |  Revolut · N26 · Wise · Klarna · Monzo · BNP Paribas · ING · Santander · Adyen · bunq