EU Credit Card Marketplace
Independent comparison of public credit card offers.
Payn does not issue cards or process applications.
We don’t issue cards or process applications. Payn redirects you to official provider websites.
Best overall choice
Wise
Wise Debit Card
Best for FX transparency
- Spend at the real exchange rate
- Low, transparent conversion fees
- Hold and convert over 50 currencies
No monthly fee
Multi-currency
Travel & FX
Revolut
Revolut Standard
Best for travel & multi-currency
- Multi-currency accounts in-app
- No FX fees on weekdays up to exchange limits
- Full control over your card in the app
Multi-currency
Travel & FX
Online payments
N26
N26 Standard
Best for everyday EU banking
- German IBAN for direct debits and payments
- Free ATM withdrawals in your home country (fair use)
- Modern mobile banking app with budgeting tools
No monthly fee
Popular in EU
bunq
Easy Bank
Best for freelancers & expats
- Get multiple IBANs (DE, NL, ES, FR, IE)
- Business-friendly features and automation
- Instant payments and requests
Premium
Multi-currency
Freelancers & remote work
Curve
Curve Card
Best for card aggregation
- Combine all your cards into one
- Go back in time and change payment card
- Earn 1% cashback on selected retailers
Rewards
Travel & FX
No monthly fee
Wirex
Wirex Card
Best for crypto & travel
- Spend crypto and fiat currencies
- Earn Cryptoback™ rewards on purchases
- Free international ATM withdrawals (limit applies)
Crypto rewards
Multi-currency
Vivid Money
Vivid Card
Best for cashback & everyday spending
- Get cashback on brands you love
- Sub-accounts (Pockets) with their own IBANs
- Invest in stocks and crypto from €0.01
Cashback
Premium
Paysera
Paysera Visa Card
Best for basic EU account
- Multi-currency account for cheap transfers
- Contactless debit card for payments
- IBAN account for receiving salary and payments
Low cost
Multi-currency