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Fintech Services in Europe

Banks, payment processors, crypto cards, and fintech tools available across Europe. These services support EUR, GBP, and other European currencies with regulatory compliance across EU member states.

Updated on April 28, 2026

Mambu

Mambu Cloud Core Banking Platform for Banks & Fintechs

Banking-as-a-ServiceFintech Infrastructure

Cloud-native core banking with API-first deposits, lending, payments, 99.99% SLA, 65+ countries, and 450+ partners.

Altery

Altery Business Account: Multi-Currency & API Payments

Business BanksMoney Transfer Services

FCA & Cyprus EMI regulated. Multi-currency accounts, corporate cards, API, mass payouts, and SEPA/SWIFT/Faster Payments to 100+ destinations.

Trezor

Trezor Hardware Wallets for Secure Crypto Storage

Crypto Wallets

Open-source hardware wallets with offline key storage, EAL6+ secure element options, Trezor Suite app, and FIDO2 2FA. No monthly fees.

Banxa

Banxa Fiat-to-Crypto On-Ramp & Off-Ramp APIs

Crypto InfrastructureCrypto On-Ramps & Off-Ramps

Fiat on-ramp/off-ramp for Web3 with 100+ assets, 100+ countries, local payments, and KYC/AML compliance across AU, UK, EU, US, CA.

Coinbase Prime

Coinbase Prime for Institutional Crypto Trading

Crypto Custody Solutions

+2 more

Institutional crypto platform with smart order routing, NYDFS-regulated custody, post-trade credit, staking, and SOC 2 controls.

Paysera

Paysera Multi-Currency IBAN Accounts & Payments

Digital Banks

+2 more

Licensed EMI with 30+ currencies, IBANs, SEPA Instant transfers, Visa debit card, and an e-commerce payment gateway for businesses.

Deblock

Deblock: IBAN Current Account + Non-Custodial Wallet

Crypto Cards

Get an IBAN, Visa debit card and self-custody crypto wallet. Deposit crypto, exchange EUR/crypto, and make instant transfers with 0% fees.

Monese

Monese App: UK & EU Digital Account for Everyday Money

Digital BanksPersonal Banks

Open a Monese account to get an IBAN, card, and international payments from one app. Compare plans and apply online.

Bitstamp

Bitstamp Crypto Exchange for Secure Trading & Staking

Crypto Exchanges

Trade crypto with Bitstamp: secure exchange, transparent fees, staking, and easy deposits. Get started with BTC, ETH and more today.

Bitpanda

Bitpanda Crypto Exchange for Trading and Investing

Crypto Exchanges

Buy, sell, swap and stake crypto on Bitpanda. Trade multiple assets with one account and get started in minutes.

Brighty

Brighty App: Crypto and Fiat Banking with IBAN

Crypto Cards

Use crypto and fiat in one app with IBAN accounts, fast SEPA/SWIFT transfers, payment card access, and up to 10% APY earning options.

Firi

Firi Crypto Exchange in Norway for Easy Trading

Crypto Exchanges

Trade crypto with a Norway-based exchange. Buy, sell and store popular coins with simple tools. Explore Firi today.

Lunar

Lunar Personal Banking App with Cards & Insights

Business Banks

+3 more

Lunar personal account with card, budgeting tools, and insights. Compare plans and open an account in minutes.

NBX

NBX Crypto Exchange for Secure Bitcoin Trading

Crypto Exchanges

Trade Bitcoin and crypto on NBX with easy onboarding and secure custody options. Explore accounts and fees on NBX now.

SwissMoney

SwissMoney Crypto Cashout App with IBAN & Cards

Business Banks

+3 more

Crypto-to-fiat cashout with IBAN accounts, SEPA transfers and payment cards. Instant top-ups, no monthly fees, available in 210+ countries.

Nebeus

Nebeus Multi-Currency Accounts with Crypto-Friendly IBAN

Business Banks

+4 more

Bank of Spain regulated app for freelancers and businesses: multi-currency accounts, crypto-friendly IBAN, card spending, and invoicing.

Swapin

Swapin Crypto Payments for Businesses & Individuals

Crypto Exchanges

Swapin lets you pay, accept, and manage crypto-to-fiat payments. Explore supported rails and use cases on Swapin.com.

SpectroCoin

SpectroCoin Crypto Exchange, Wallet & Card Services

Crypto Exchanges

Buy, sell and store crypto with SpectroCoin plus card and payment options. Compare features and fees before you sign up.

Bitwala

Bitwala Card: Spend Crypto Anywhere Visa Is Accepted

Crypto Cards

Spend BTC, ETH, USDC or EUR with a virtual or physical Visa card. Instant swaps to euros, in-app controls, and ATM withdrawals.

CEX.IO Card

CEX.IO Card: Crypto Debit Card with Cashback & Mastercard

Crypto Cards

Spend 200+ cryptocurrencies via Mastercard, earn crypto cashback, add to Apple/Google Pay, and pay in 150+ countries (EEA only).

KuCoin KuCard

KuCoin KuCard: Visa Crypto Debit Card With Cashback

Crypto Cards

Spend crypto at Visa merchants with instant crypto-to-EUR conversion, Apple Pay/Google Pay support, and crypto cashback on purchases (EEA).

Plutus

Plutus Rewards Card: Earn 3–9% Back on Spending

Crypto Cards

Earn 3–9% back in PLUS rewards with the Plutus Card, plus £10/month Perks at 50+ brands. Track rewards and swap securely in-app.

Pleo

Pleo: Smart Company Cards & Business Expense Control

Expense Management Virtual Cards

Pleo offers company cards, expense tracking, reimbursements and invoices with real-time controls and accounting sync. Get started today.

Spendesk

Spendesk: Expense Management & Smart Company Cards

Expense Management Virtual Cards

Spendesk unifies company cards, expenses, invoices and approvals with real-time budgets and accounting exports. Control spend and close books faster.

Payhawk

Payhawk: Corporate Cards & All-in-One Expense Control

Expense Management Virtual Cards

Business spend platform with corporate cards, invoice capture, reimbursements, and ERP integrations. Control budgets, track receipts, scale globally.

Bankera

Bankera: Crypto‑friendly Business Accounts and IBANs

Business Banks

+3 more

Crypto‑friendly business accounts with EU compliance and global payments. See features, fees, and whether Bankera fits your company needs.

bunq

bunq: European Digital Bank for Personal & Business

Business Banks

+2 more

bunq is an EU-licensed mobile bank with multi-currency IBANs, daily interest, instant payments, and business tools. Open in minutes. Learn more.

N26

N26 Digital Bank: Mobile Accounts with European IBANs

Business Banks

+2 more

N26 is a European mobile bank with IBAN accounts, real-time alerts, Spaces sub-accounts, and a Mastercard debit. Open in minutes and compare plans.

TransferGo

TransferGo: Fast, low-cost international transfers

Money Transfer Services

Send money abroad with TransferGo. Low fees, fast delivery options, upfront FX rates, and trusted regulation. Pay by card or bank. Start your transfer today.

Worldline

Worldline: Global Payments, Acquiring and Gateways

Payment Processors

Worldline provides enterprise payment processing, acquiring and omnichannel acceptance across Europe. Support for cards, wallets and APMs with risk tools.

eToro

eToro: Social Trading & Multi-Asset Investment Platform

Crypto ExchangesInvestment Platforms

eToro offers commission-free stocks, 100+ cryptocurrencies, and CopyTrader for social investing. 40M+ users in 140+ countries. FCA, CySEC, ASIC regulated.

3s Money

3S Money | Multi-Currency Business Accounts & Global IBAN Payments

Business Banks

+3 more

3S Money offers multi-currency business accounts with local IBANs in UK, EU & UAE. Unlimited SWIFT/SEPA payments in 65+ currencies to 190+ countries.

Trade Republic

Trade Republic: Invest from €1, spend & earn 2% interest

Crypto Cards

+3 more

Earn 2% p.a. on cash, invest from €1 in stocks/ETFs/crypto, and get 1% Saveback on card spend with free savings plans.

Nebeus Card

Nebeus Card: Spend Crypto & Fiat With Multi-Currency IBAN

Business Banks

+3 more

Regulated by the Bank of Spain. Multi-currency account with crypto-friendly IBAN and card to spend crypto and fiat worldwide.

Bitpanda Card

Bitpanda Card: Visa Debit to Spend Crypto & Assets

Crypto Cards

Spend crypto, metals and stocks with a Bitpanda Visa debit card. Free card, 0% FX fees (Visa mark-up applies) and up to 2% cashback.

ZEN

ZEN Card | Multi-Currency Mastercard with Cashback & 2-Year Warranty

Business Banks

+2 more

ZEN Card is a European shopping card with instant cashback, up to 2 years extended warranty, and multi-currency support. €0-€6.90/month. 31 EEA countries.

Trustee Plus

Trustee Plus Crypto Wallet App with Payment Card

Crypto Cards

Crypto wallet app with 30+ coins, instant exchanges, Visa/Mastercard buys, 2FA and biometrics, plus EU-issued card for Google/Apple Pay.

Holyheld

Holyheld Onchain Debit Card for Non-Custodial Wallets

Crypto Cards

Use an onchain crypto debit card with Apple Pay/Google Pay, personal IBAN & SEPA, and up to 1% USDC cashback—non-custodial wallet control.

Gnosis Pay

Gnosis Pay: Stablecoin Card Issuance & Fiat Rails

Crypto Cards

White-label card issuing with APIs, self-custodial Safe accounts, multi-currency fiat + stablecoins, and global merchant acceptance with SEPA/Pix.

SumUp

SumUp: Card Readers & POS Systems for Small Business Payments

Payment Processors

SumUp offers affordable card readers and POS systems for small businesses. Accept in-person and online payments with transparent pricing and no monthly fees.

Wallester

Wallester: Free Business Expense Cards & Corporate Visa Solutions

Expense Management

Wallester offers 300 free virtual Visa cards for businesses with real-time expense tracking and spending controls. Ideal for startups and teams in EU/UK.

Soldo

Business Expense Cards & Spend Management Platform

Expense Management

Soldo offers prepaid Mastercard business cards with real-time expense tracking, custom spending limits, and accounting integrations. Built for SMEs and teams.

Klarna

Klarna: Buy Now Pay Later & Flexible Payment Solutions

Buy Now Pay Later

Klarna offers buy now pay later, installment plans, and flexible payments for shoppers. Merchants benefit from increased conversions and easy integration.

Revolut

Revolut for smarter global payments and modern business banking

Business Banks

+2 more

Revolut empowers businesses with fast global payments, multi-currency accounts, smart cards, and seamless financial tools for international operations.