Payment in seconds · SEPA Instant

Send money

anywhere in Europe.

Instant peer-to-peer payments, with no IBAN and no terminal. Send and receive money in under 10 seconds with just a phone number — free, secure, European and sovereign.

Get started for free → Watch the demo
10sper transfer
0€between friends
27European countries
M
A
T
S

Join the first users · Beta in progress

✓
Payment received
Instant
+€24.50
QR scanned
Café Central
0€
No fees
Between friends
Hello 👋
Marie D.
MD
NEXEURO BALANCE
€1,248.50
↑ +12% this month
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Thomas R.
Phone · 2h
+€50
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Café Central
QR code
−€4.80
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Home
Pay
History
Profile
Pay by phone number
Like sending a text
A few seconds
Real time, 24/7, 365 days a year
Free between friends
€0 P2P commission
PSD2 standards
AES-256 encryption · European compliance
Why NexEuro

Money should flow freely.

We rethought payments from the ground up.

01
Your number is all it takes
No more memorising an IBAN. Your phone number becomes your universal payment address across Europe.
02
Instant and free
Between individuals, NexEuro is free forever. Money arrives in seconds, Sundays and public holidays included.
03
For every use case
QR code, shareable link, store widget — one single tool, whether you're a student, a merchant or a developer.
0€
Fees between friends
24/7
Always available
36
SEPA-zone countries
7
Supported languages
Our mission

Make payments as simple as a text message.

NexEuro is the alternative European payment network. Simple, instant, built for everyone.

Download the app → Our story
Merchants & Individuals

Seamless payments, on both sides of the counter.

NexEuro connects professional acceptance and everyday payments in one instant, clear, cardless experience.

For merchants, taking payment becomes invisible.

Display a QR code, get live confirmation and keep a clear record of every transaction, even during the busiest rush.

Instant notificationPermanent QR codeZero terminal
Merchant taking a NexEuro payment via QR code in seconds
< 1sPayment confirmed

For individuals, paying stays as simple as a message.

Scan, confirm, walk away. The payment lands instantly, with no card to pull out and no IBAN to type.

QR codeInstant paymentNo fees between friends
User sending an instant payment to a friend with NexEuro
1 tapPayment sent
Why NexEuro?

Fewer fees. More speed.
100 % European.

Compared with Visa/Mastercard cards, PayPal and a classic bank transfer, NexEuro sends money in seconds — free between individuals, with no IBAN and without leaving Europe.

★ Recommended
 Visa / Mastercard PayPal Classic transfer
Fees between individualsSending money to someone close Free€0, always Variabledepends on the bank Up to 3.4 %+ fixed fee Often freebut slow
Speed of receiptMoney available < 1 secondSEPA Instant 1–3 daysclearing Instant*paid withdrawal 1–2 daysbusiness days
No IBAN or cardJust a phone number ✓ ✕ ~ ✕
Data hosted in EuropeSovereignty & GDPR ✓ ✕ ✕ ✓
Merchant acceptanceWithout a card terminal QR code0 hardware Terminal required+ commission Onlinecommission ✕
NexEuro★ Recommended
Fees between individualsFree
Speed< 1 s
No IBAN or card✓
Data in Europe✓
AcceptanceQR · 0 hardware
CoverageSEPA + Serbia (US beta)
Visa / Mastercard
Fees between individualsVariable
Speed1–3 days
No IBAN or card✕
Data in Europe✕
AcceptanceTerminal required
CoverageWorldwide
PayPal
Fees between individualsUp to 3.4 %
SpeedInstant*
No IBAN or card~
Data in Europe✕
AcceptanceOnline
CoverageWorldwide
Classic transfer
Fees between individualsOften free
Speed1–2 days
No IBAN or card✕
Data in Europe✓
Acceptance✕
CoverageWorldwide
Switch to NexEuro — for free →

*PayPal: instant transfer often carries a fee for an immediate withdrawal. Indicative comparison; fees may change depending on the operator.

Designed to PSD2 AES-256 encryption SEPA Instant ACPR licence — in preparation
New

Bank account or crypto.
One single phone number.

You can now pay from your European bank account or from your crypto wallet. Either way, just type the recipient's phone number — they receive euros.

TWO FUNDING SOURCES

No IBAN, no wallet address

The phone number replaces the 27 characters of an IBAN as well as the 42 characters of a blockchain address. The recipient is always credited in euros, with no volatility risk.

Peer-to-peer payments funded by a bank account stay free within the SEPA zone. A crypto-funded payment involves a conversion: rate and fees shown before you confirm.

Discover crypto payments →
Illustration connecting a bank account and a crypto wallet
Geographic coverage

NexEuro reaches beyond
historic Europe.

🇷🇸 SERBIA — SEPA ZONE

Serbia has joined the SEPA zone

Serbia has joined the SEPA Credit Transfer scheme. As the service rolls out, the goal is to let you send money to a Serbian euro account as easily as to France, Germany or Spain. Actual availability depends on the technical integration and the applicable authorisations.

See the full coverage →
🇺🇸 US — COMING SOON

An international corridor to the US is coming

NexEuro is currently working on integrating the European international-transfer scheme (OCT Inst) to enable transfers to the United States. Sign up to be notified at launch.

Join the waitlist →