Every money option in Europe, in one place.

Knowwhat'sactuallyonthemarket.

Ranked by what it really costs you — not who pays us. Free, no account needed to compare.

What do you want to do?I just want to browse

Free · No account needed · No affiliate bias

WBEST VALUE

International Transfer

Wise

FX Spread

0.41%

RJUST LAUNCHED

Premium Card

Revolut

Cashback

TRNEW RATE

Investment

Trade Republic

Annual rate

4.00%

✓ Best fit

BEST VALUE

International Transfer

Wise

FX Spread

0.00%

JUST LAUNCHED

Premium Card

Revolut

Cashback

NEW RATE

Investment

Trade Republic

Annual rate

0.00%

Live FX rates

LIVE FX RATES

Revolut

Wise

Trade Republic

Klarna

N26

Monzo

Starling Bank

Chase UK

BBVA

Santander

ING

Bunq

Younited Credit

Intesa Sanpaolo

UniCredit

Tide

Qonto

PayPal

Western Union

Kraken

eToro

Revolut

Wise

Trade Republic

Klarna

N26

Monzo

Starling Bank

Chase UK

BBVA

Santander

ING

Bunq

Younited Credit

Intesa Sanpaolo

UniCredit

Tide

Qonto

PayPal

Western Union

Kraken

eToro

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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

All your options in Europe

Click any category to see every option available — not just the popular ones.

Cards

Find the right card for travel, daily spending, or earning rewards

15 options in Europe

Saving

Grow what you don't need right now

2 options in Europe

Sending money

Send money abroad without losing it to fees

36 options in Europe

Bank accounts

Day-to-day accounts — modern apps or traditional banks

7 options in Europe

Investing

Make your money work for you over time

28 options in Europe

Borrowing

Buy now, pay over time — see the real cost

1 option in Europe

For business

Money tools for freelancers and small teams

10 options in Europe

Family

Money for kids, partner, parents

6 options in Europe

Insurance

Protect what matters — without overpaying

15 options in Europe

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 · Europe

What's actually winning right now.

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

Trade Republic Savings

Trade Republic · Savings

Best for High yield

Interest rate

4.0% per year

↓ best

Minimum deposit

€1

Deposit protection

€100,000

Open accountGo

Interest rate

4.0% per year

↓ best

Minimum deposit

€1

Deposit protection

€100,000

Revolut Money Transfer

Revolut · Transfers

Best for Free P2P

Fee

Free - 1.5%

↓ best

Speed

Instant - 3 days

Corridors

150+ countries

Visit providerGo

Fee

Free - 1.5%

↓ best

Speed

Instant - 3 days

Corridors

150+ countries

Klarna Flexible Loan

Klarna · Loans

Best for BNPL users

APR

3.9% - 11.9%

↓ best

Amount

€500 - 50,000

Term

6 - 72 months

Check my rateGo

APR

3.9% - 11.9%

↓ best

Amount

€500 - 50,000

Term

6 - 72 months

International TransferPayn ranking

Wise

0.41%

FX Spread

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 rank Read the founder story

products live

providers tracked

European markets

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

New this month in Europe

Stuff that wasn't here last time you looked.

RATE CHANGE

Trade Republic raised cash rate to 4.0%

Earn passively on EUR deposits, no minimum required.

See offer