Free Payment & Fintech Tools Built in Europe

Wise (formerly TransferWise) is a London-based fintech company founded in 2011 by Estonian entrepreneurs Kristo Käärmann and Taavet Hinrikus, who were frustrated by hidden bank fees on international transfers. Wise uses the real mid-market exchange rate with transparent, low fees — typically 0.5-1.5% versus 3-5% at traditional banks. It offers multi-currency accounts in 40+ currencies, debit cards, and business accounts. Wise is publicly traded on the London Stock Exchange and holds licenses from the FCA, serving over 16 million customers worldwide.

Flatpay provides businesses with streamlined payment solutions and a powerful point of sale system, allowing merchants to easily accept payments anytime, anywhere, with no hidden fees.

German mobile bank offering digital banking services with instant notifications and spending insights.