this post was submitted on 11 Mar 2025
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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!

all 37 comments
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[โ€“] Gartenschretel@sh.itjust.works 14 points 1 year ago* (last edited 1 year ago) (1 children)

This year the PayPal alternative Bluecode is supposed to launch! I'm keeping an eye on that. Otherwise I do a lot of payments by prepayment or (advance) invoice. So it just goes through my bank account directly.

[โ€“] yetAnotherUser@discuss.tchncs.de 7 points 1 year ago (1 children)

Paying online, especially to small vendors

What I have recently been fond of is paying by invoice. I will pay only once I open the package and find the invoice inside via bank transfer. Zero American companies (Paypal, Visa, Mastercard...) are involved this way.

The only drawback is that you have to remember paying and that some online stores - though usually the larger one's - don't support it.

[โ€“] Microw@lemm.ee 5 points 1 year ago

I haven't used any yet and still have PayPal, but would also be interested in migrating to a European one.

[โ€“] sloppychops@lemmy.ca 4 points 1 year ago (1 children)

Some possible options may be Skrill or Wise? I believe both are based in the UK and available internationally.

[โ€“] souldog666@lemm.ee 1 points 1 year ago (2 children)

Wise processes through Visa, a US company. That makes them as "EU alternative" as your bank's card.

[โ€“] boonhet@lemm.ee 1 points 1 year ago

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

[โ€“] sloppychops@lemmy.ca 1 points 1 year ago (1 children)

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.

[โ€“] boonhet@lemm.ee 2 points 1 year 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.

In Poland we have instant payments called Blik! Go check it out.

[โ€“] Seba@lemm.ee 1 points 1 year ago

There is quite a consensus that c24 is the best bank. You get virtual cards for online pay and can send instant transfers for free.

There base model which is totally sufficient is free.

[โ€“] bazzzzzzz@lemm.ee 1 points 1 year ago

I'd avoid Klarna if you're opposed to all humans getting automated.

They rely heavily on OpenAi.

[โ€“] Jarix@lemmy.world 0 points 1 year ago (1 children)

N26 reminds me of N64 so i should go with that one.

You literally introduced me to all of these things....

[โ€“] ShadyQuark@feddit.org 9 points 1 year ago (1 children)

Unfortunately, during my research, it seems like N26 is the worst option. Not only is it supported/funded by Peter Thiel and other American oligarchs, and it has a shady history Source (in German)

[โ€“] Jarix@lemmy.world 3 points 1 year ago

Okay so that's a terrible way to make a decision then