
In the modern world, digitalization has touched almost all spheres of life, and finance is no exception. European financial providers offer a wide range of services for managing money online: from international transfers to investments and payment for purchases. These services allow users to save time, avoid high fees and access financial instruments without having to visit traditional banks.
Some services work with bank cards, allowing you to easily top up your account, transfer money, and pay for purchases. Others require visiting physical locations to send and receive funds. Let’s look at the most popular platforms, dividing them into these categories.
Important: the terms of service may change. Before using the service, be sure to read the current rates and rules on the official website to avoid unexpected fees or difficulties with transfers.
Services that work with bank cards
Wise (formerly TransferWise)
Features:
- International transfers
- Multicurrency account
- Debit cards
- Currency conversion
Commissions:
- Transfers: 0.3–1% + fixed fee (depending on currency)
- Card: free or €1.5/month
wise.com
Revolut
Features:
- Bank cards (debit and credit)
- Cashback, investments, insurance
- Multi-currency accounts
- Payments and transfers in real time
Commissions:
- Basic tariff: free
- Premium: €7.99/month
- Metal: €14.99/month
revolut.com
N26
Features:
- Free bank accounts
- Mastercard Debit Cards
- International transfers
- Manage expenses via the app
Commissions:
- Standard: free
- You: €3.5/month
- Metal: €9.90/month
n26.com
bunq
Features:
- Personalized bank cards
- Joint accounts
- Support for multi-currency transactions
- Simple payments and transfers
Commissions:
- Basic: €4.99/month
- One: €8.99/month
- Black: €12.99/month
bunq.com
Monese
Features:
- Opening an account without local registration
- International transfers
- Debit cards
Commissions:
- Lite: free (limited functionality)
- Standard: £7.99/month (€8.99)
- Plus: £14.99/month (€16.99)
monese.com
Skrill
Features:
- Wallet for storing money
- Cryptocurrency support
- Payment on the Internet
- Transfers between users
Commissions:
- Top-up: free (cards — up to 1.9%)
- Withdrawal: €0.90 fixed fee
- Translations: 0.9–1.9%
skrill.com
Paysera
Features:
- International transfers
- IBAN accounts
- Debit cards
- Online payments
Commissions:
- Account opening: free
- Transfers: from 0.50% (depending on the direction)
- Card: from €0.99/month
paysera.com
Services that work without bank cards
SWIFT
Features:
- International bank transfers
- Available at most banks
- High security
Commissions:
- From €10 to €50 (depending on the bank and the transfer amount)
Western Union
Features:
- Money transfers worldwide
- Cash withdrawal at service points
- Sending via branches and online
Commissions:
- Depends on the amount and direction of the transfer
westernunion.com
MoneyGram
Features:
- International cash transfers
- Pick up at service points
- Possibility of sending online
Commissions:
- Depends on the country and shipping method
moneygram.com
Ria Money Transfer
Features:
- Money transfers to over 160 countries
- Cash or account receipt
- Fast service
Commissions:
- Varies depending on the direction of translation
riamoneytransfer.com
Contact
Features:
- Cash transfers
- Receiving at banks and pick-up points
- Shipping to CIS countries and far abroad
Commissions:
- Depends on the country and the amount of the transfer
contact-sys.com
Golden Crown
Features:
- Cash transfers without opening an account
- Pick up at partner points
- Sending via mobile app
Commissions:
- From 0.5% depending on the amount
koronapay.com
Modern financial services make life easier and more convenient, providing access to global financial markets directly from your smartphone. Choosing the right solution depends on your needs: be it international transfers, budget management or investments. The main thing is to find a service that best suits your needs and preferences.