US-based service. Data subject to US jurisdiction
by PayPal Holdings Inc. · Founded 2009
Mobile payment app for peer-to-peer money transfers, splitting bills, and making purchases at supported merchants.
Quick answer: 4 European alternatives to Venmo are listed, from 4 countries. 3 have a free plan. Top picks: Wero, Wise and N26.
| # | Product | Country | From | Pricing | Free plan | Open source | Self-host |
|---|---|---|---|---|---|---|---|
| 1 | Wero | 🇧🇪Belgium | Not verified | No | Not verified | No | |
| 2 | Wise | 🇬🇧United Kingdom | Not verified | Freemium | Yes | No | No |
| 3 | N26 | 🇩🇪Germany | €4.90 per month | Freemium | Yes | No | No |
| 4 | Klarna | 🇸🇪Sweden | US$4.99 per month | Freemium | Yes | No | No |
A dash means we have not verified that attribute. Migration difficulty is shown only where the editor tested the switch.
by Wero
Wero is a European payment solution that allows users to send and receive money instantly across Belgium, France, and Germany. It is part of the European Payments Initiative and aims to simplify digital transactions by eliminating the need for long IBANs and transfer delays. Wero is backed by major European banks and offers a seamless experience for both personal and business transactions.
by Wise PLC
Wise (formerly TransferWise) is a London-based fintech company founded in 2011 by Estonian entrepreneurs Kristo Käärmann and Taavet Hinrikus, who were frustrated by hidden bank fees on international transfers. Wise uses the real mid-market exchange rate with transparent, low fees — typically 0.5-1.5% versus 3-5% at traditional banks. It offers multi-currency accounts in 40+ currencies, debit cards, and business accounts. Wise is publicly traded on the London Stock Exchange and holds licenses from the FCA, serving over 16 million customers worldwide.
by N26 GmbH
German mobile bank offering digital banking services with instant notifications and spending insights.
by Klarna Bank AB
Swedish fintech offering buy now pay later, smooth checkout, and shopping services for consumers and merchants.
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