Hello everyone,

I’m living in Germany and looking for a good PayPal alternative. I mainly need it for:

  • Sending money to friends
  • Paying online, especially to small vendors
  • Ordering food and everyday purchases

I’ve heard about Bunq, Klarna, Revolut, and N26, but I’m not sure which one would be best for my needs. Has anyone had experience with these services in Germany? Which would you recommend and why?

Thanks in advance!

  • souldog666@lemm.ee
    1·
    1 day ago

    Wise processes through Visa, a US company. That makes them as “EU alternative” as your bank’s card.

    • boonhet@lemm.ee
      1·
      21 hours ago

      Wait, how do SEPA transfers go through Visa? Do you just mean the card payments?

    • sloppychopsEnglish
      1·
      1 day ago

      Ah. Well, I’ll be closing that account, then… What about Skrill?

      I typically use Wise for foreign transfers. Would that still use Visa? If so, any non US backed alternatives? I typically transfer from Canada to family and personal bank accounts in the UK.

      • boonhet@lemm.ee
        2·
        21 hours ago

        I don’t think your use for Wise uses Visa, as Visa is a card company. If you use Wise for card payments, those go through Visa.

        Wise is about the only mainstream way to get funds in Canadian or American domestic payment systems and immediately get that money into the European banking network that I know of. Revolut only gives me Swift details for USD, not wire or ACH routing numbers.