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PaynGanz Europa

Finanzprodukte mit marktabhängiger Verfügbarkeit, sichtbaren Preisen und transparenter Ranglogik vergleichen.

Gebaut von Fintech-Profis mit globaler Banking-Erfahrung

Payn kann bei manchen Partnern Provision erhalten, aber Vergütung allein bestimmt die Reihenfolge nicht.

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Leihen

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Impact-Site-Verification: 947cb54d-d0de-4e29-b31f-5560a22cba3c

Europas vollständiges Finanzinventar

DuhastmehrMöglichkeiten,alsdudenkst.

Von Cashback-Karten bis zum Tesla-Leasing, von 4% Sparzinsen bis zu Krediten, von denen du nicht wusstest — sieh, was in Europa verfügbar ist.

Alles ansehenI just want to browse

In Sekunden vergleichen · Keine Filter · Ohne Anmeldung

WBESTPREIS

International Transfer

Wise

FX Spread

0.41%

RGERADE GESTARTET

Premium Card

Revolut

Cashback

1%

TRNEUER ZINS

Investment

Trade Republic

Annual rate

4.00%

✓ Best fit
BESTPREIS
W

International Transfer

Wise

FX Spread

0.00%

GERADE GESTARTET
R

Premium Card

Revolut

Cashback

0%

NEUER ZINS
TR

Investment

Trade Republic

Annual rate

0.00%

Live FX rates
LIVE-INVENTAR · TÄGLICH AKTUALISIERT
RevolutWiseTrade RepublicKlarnaN26MonzoStarling BankChase UKBBVASantanderINGBunqYounited CreditIntesa SanpaoloUniCreditTideQontoPayPalWestern UnionKrakeneToroRevolutWiseTrade RepublicKlarnaN26MonzoStarling BankChase UKBBVASantanderINGBunqYounited CreditIntesa SanpaoloUniCreditTideQontoPayPalWestern UnionKrakeneToro
Bald für iPhone & Android — jetzt auf die Warteliste

00What do you want to do?

Pick the one that sounds like your day.

We'll show you the cheapest, fastest option — for that specific thing — in plain numbers. No jargon, no upsell.

I'm going abroad

Pay anywhere with no extra fees on top of your bill.

See best travel cards

I send money to family or friends abroad

Find the route that loses the least to fees.

Compare transfer options

I have savings sitting in a regular account

Move them somewhere that actually pays you (3-4% a year).

See savings accounts

I want to buy something I can't pay cash for

Compare loans — see the total cost upfront.

Compare loans

I'm self-employed or running a small business

Lower fees on payments, payroll, and currency conversion.

See business tools

I want insurance that fits my situation

Travel, health, car, home — side by side.

Compare insurance

I want to see if there's a better account for me

App-based accounts with no monthly fee — same deposit protection.

See banking alternatives

Money stuff for the family

Pocket-money apps for kids, joint accounts, family plans.

See family options

00Browse by type

Alle deine Optionen in Europa

Klick auf eine Kategorie, um alle verfügbaren Optionen zu sehen — nicht nur die beliebten.

Karten

Finde die richtige Karte für Reisen, Alltag oder Cashback

Revolut
Curve
Wise

15 Optionen in Europa →

Sparen

Lass dein Geld arbeiten, wenn du es gerade nicht brauchst

Revolut
Lightyear

2 Optionen in Europa →

Geld senden

Geld ins Ausland senden, ohne Gebühren zu verschenken

XE
Wise
Revolut

36 Optionen in Europa →

Bankkonten

Konten für den Alltag — moderne Apps oder klassische Banken

Deblock
Revolut
Monese

7 Optionen in Europa →

Anlegen

Lass dein Geld langfristig für dich arbeiten

Enky Invest
ActivTrades
YouHodler

28 Optionen in Europa →

Kredite

Jetzt kaufen, später zahlen — sieh die wahren Kosten

PayPal

1 Option in Europa →

Für Unternehmen

Finanztools für Freelancer und kleine Teams

Airwallex
SumUp
Wallester

10 Optionen in Europa →

Familie

Geldlösungen für Kinder, Partner und Eltern

GoHenry
Revolut
Emma

6 Optionen in Europa →

Versicherung

Schütze, was dir wichtig ist — ohne zu viel zu zahlen

SafetyWing
AXA
World Nomads

15 Optionen in Europa →

00See the real cost

What banks quietly charge you — and what you'd pay through Payn.

Same product, different provider. The difference is what you don't see on your statement.

Annual cost

High-street bank€320
Cheapest on Payn€41

You saved per year

000€

See transfers on Payn

Illustrative annual costs based on published provider terms. Your actual amounts depend on eligibility, market, and usage.

Top picks this week · Europa

What's actually winning right now.

Three offers leading our market across cost, speed, and eligibility. Updated whenever providers publish new terms.

Trade Republic

Trade Republic Savings

Trade Republic · Savings

Am besten für High yield

Interest rate

4.0% per year

↓ best

Minimum deposit

€1

Deposit protection

€100,000

Konto eröffnenGo

Interest rate

4.0% per year

↓ best

Minimum deposit

€1

Deposit protection

€100,000

Revolut

Revolut Money Transfer

Revolut · Transfers

Am besten für Free P2P

Fee

Free - 1.5%

↓ best

Speed

Instant - 3 days

Corridors

150+ countries

Anbieter öffnenGo

Fee

Free - 1.5%

↓ best

Speed

Instant - 3 days

Corridors

150+ countries

Klarna

Klarna Flexible Loan

Klarna · Loans

Am besten für BNPL users

APR

3.9% - 11.9%

↓ best

Amount

€500 - 50,000

Term

6 - 72 months

Rate prüfenGo

APR

3.9% - 11.9%

↓ best

Amount

€500 - 50,000

Term

6 - 72 months

International TransferPayn ranking

Wise

0.41%

FX Spread

vs

PayPal

2.99%

FX Spread

Payn found the cheaper option — ranked by true cost, not commission.

This is Payn

We rebuiltfinancial comparisonfor people whoactually do the maths.

Every other site sorts by who pays them most. We sort by what the product actually costs you — fees, FX spreads, APRs, all in. Then we tell you which links pay us anyway.

How we rankRead the founder story

0+

products live

0+

providers tracked

0

European markets

0h

max rate refresh

Live offers
Wise0.41% FX spreadTransfers
Trade Republic4% AERSavings
Revolut Metal1% cashbackCards
bunq3.11% AERSavings
Plum4.73% AERSavings
Lightyear€1 / monthInvestments
N26€0 monthly feeCards
Klarna CardPay in 3Cards
CurveCashback on topCards
Wise0.41% FX spreadTransfers
Trade Republic4% AERSavings
Revolut Metal1% cashbackCards
bunq3.11% AERSavings
Plum4.73% AERSavings
Lightyear€1 / monthInvestments
N26€0 monthly feeCards
Klarna CardPay in 3Cards
CurveCashback on topCards

Diesen Monat neu in Europa

Sachen, die letztes Mal noch nicht hier waren.

ZINSÄNDERUNG

Trade Republic raised cash rate to 4.0%

Earn passively on EUR deposits, no minimum required.

See offer