Best European Alternatives to PayPal (2026)

PayPal has been criticised for freezing accounts without warning and has published a list of hundreds of third parties it can share data with. Its parent company is in the US and subject to US financial surveillance laws. European payment services are regulated under European financial law, with strong consumer protections and clear rules on data use.

Replace PayPal with a private payments app based in Europe. Compare Wero, Klarna, Satispay and more, all operated under European privacy law.

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
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

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Best European Alternatives to PayPal (2026)

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