The Best Apps to Send And Receive Payments in Europe

It's easier than ever to send money all over the world - but it can still be daunting. Here are the best apps to send and receive payments.

More and more people use mobile apps to send money abroad to their friends and relatives. From this article, you’ll get to know about the best solutions that are available to European residents when they send and receive payments.

When you want to transfer money to another person in Europe, a mobile app will be one of the easiest, quickest, and safest methods to do it. In this article, you’ll find brief descriptions of the most popular, functional, and reliable solutions that you might want to consider.



Initially, this app was known as Transferwise but was rebranded. It is compatible with more than 50 currencies and offers a debit Mastercard.

Over 9 million customers rely on this app when transferring funds across more than 1,000 routes (the term “route” in this context denotes a country combination).

Transfers might take from a few hours up to three days. The fee for each transaction will be calculated as a percentage of the sum that you send. Besides, for certain transfer routes, there might be flat fees.

For international transfers, interbank exchange rates will be applied.

On the flip side, be ready to pay fees if you add money through credit or debit card as well as ACH.

No travel insurance will be linked to your travel card and no interest will be paid on your Borderless Account.



The best thing about Revolut is that it promises to carry out your transfers instantly, regardless of currency and destination.

Plus, you’ll be able to use payment splitting tools and manage your debit or prepaid cards right in the app. When you go abroad, you’ll be able to spend money there with the Revolut Visa Card using real exchange rates.

This app has more than 15 million customers and supports around 30 currencies. The interbank exchange rate will be applied to your transfers.

The other fees include 0.5% for anything above $1,000 each month and a flat mark-up on weekends and certain currencies. To reduce fees, you might want to switch to a premium account, starting with €7.99 per month.

Revolut is famous for its anti-fraud system that keeps fraudulent transactions under 0.01%.

The biggest drawback of this system consists in the fact that customer accounts can be temporarily frozen due to security reasons.



This app can boast a wide global presence: it supports more than 150 currencies and enables you to transfer funds to more than 150 countries. You’ll be able to choose from the following payment methods.

  • Debit, credit, and prepaid cards
    Bank transfers
    Apple Pay
    Klarna (Sofort)
    Mobile Money

The transfer can take up to 3 days. Depending on which method you choose, transfer fees might vary considerably. In general, the fees are affordable and transparent.

Yet if you spend some time and effort on comparing the Worldremit conditions to what its competitors offer, you might find more lucrative options for some types of transfers. Also, this app imposes limits on large transfers to selected destinations.



In this app, you can choose between Economy and Express sending options. The former features the lowest transfer fees and you’ll need to pay with your bank account to send and receive payments.

The latter is faster and you’ll be able to pay with your debit or credit card. The transfer might take up to three days. If the recipient fails to get the funds on time, Remitly will pay you the fee back.

This solution is compatible with over 40 currencies. You can send money from 17 countries to more than 100 countries. In certain states, there are restrictions on how you can send funds and how the beneficiary can receive them.

Also, Remitly imposes daily and monthly limits on how much you can send. If you want to send more, you can apply for an increase (at no cost). The team of the service might lift your limits, although there are no guarantees.

The rates and fees of this app might vary depending on which currency and destination you use. In some cases, you might want to look for cheaper options. The credit card transfer fees might amount to 3% of the transaction.



Originally, this brand made a name for itself as an online currency converter. Today, its audience exceeds one million people. XE supports around 100 currencies and enables you to send funds to over 130 countries.

If you need a consultation, professional customer support will be ready to attend to you 24/7 and they won’t make you wait long for a reply.

In this app, you can open two types of accounts: personal and business (both at no charge). The exchange rate will cost you around 1.5-2% per transfer.

Plus, there might be fixed fees. Compared to other apps, XE might not be the cheapest option. The maximum time that the recipient might need to wait for the funds is two days. However, the money might be delivered within a few hours.

As for the shortcomings, XE features no cash pick-up. Card payments are limited to Europe, the UK, and the US. The exchange rate will be offered only when you transact.



A meaningful competitive edge of Genome is that you can apply for an account right through this app and get approved right away.

You’ll be able to open up to 15 multi-currency accounts within minutes and transfer money online nearly instantly with debit cards, money transfer services, SEPA, or SWIFT.

The app supports more than 40 currencies. You’ll need to pay a 1% flat fee over the interbank rate when you send money abroad, regardless of the sum. There will be no markups or hidden surcharges during non-bank hours.

Your accounts will allow you to easily share dinner checks, rides, and bills with your friends. You’ll be able to manage all of your personal finance in this app as you send and receive payments.

If you run a business, you can open a merchant account through Genome quickly and easily. Plus, an exclusive Genome Card is coming soon.

The competition in the sector is very tough and you should examine the conditions of different apps very carefully. All the solutions from this article are exceptionally safe, fast, and reliable. Feel free to install any of them to transfer money in Europe!

You have the apps to send and receive payments, but what if your phone needs fixing? Well we are here to help!

Common iPhone Issues and How to Fix Them

Support us!

All your donations will be used to pay the magazine’s journalists and to support the ongoing costs of maintaining the site.


paypal smart payment button for simple membership

Share this post

Interested in co-operating with us?

We are open to co-operation from writers and businesses alike. You can reach us on our email at and we will get back to you as quick as we can.

Where to next?

The Influence of Music on Memory and Cognition

The parts of the brain responsible for memory retrieval, linguistic analysis, emotional processing, and reward anticipation are all revitalized through musical engagement and production. Music aids in recalling previously taught…