Best European Alternatives to Apple Pay (2026)
Apple Pay puts Apple between you and your bank every time you tap your phone. Apple says it doesn't keep what you buy, but every payment still runs through a US company's wallet, and Apple charges banks a fee on every payment. Wero is Europe's own wallet, run by European banks, and is starting to work in shops.
Replace Apple Pay with a private payments app based in Europe. Compare Wero, Klarna, Satispay and more, all operated under European privacy law.
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Wero (Belgium)
Send money to friends instantly, split bills and pay online straight from your bank account. Europe's own payment app, run by a Belgian company owned by European banks.
✓ Free tier
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Klarna (Sweden)
Swedish payments app that lets you pay online, split purchases into instalments, or send money to friends.
✓ Free tier -
Satispay (Italy)
Pay at shops, split bills and send money to friends from your phone. An Italian alternative to PayPal and Apple Pay.
✓ Free tier -
N26 (Germany)
German digital bank with a free account. Manage your money, send payments and keep a budget with no monthly fees.
✓ Free tier -
Wise (United Kingdom)
Send money abroad at the real exchange rate and hold money in many currencies. A British alternative to PayPal for international payments.
✓ Free tier -
Revolut (United Kingdom)
Digital bank account with a free plan. Send money to friends instantly, split bills and pay abroad without high fees.
✓ Free tier
Replacing more than Apple Pay?Swipe through the apps you use and get a step-by-step switch plan. No account needed.
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