Send euros
like a text.
No IBAN. No card. No terminal. No fees between friends. A phone number is all it takes to move money across Europe — in seconds, not business days.
The euro unified twenty economies. Yet sending €20 to a friend in another country still takes days, an IBAN and a fee. We think that is absurd. So we rebuilt the payment around the one thing everyone already shares — a phone number — and made it land in seconds.
A handful of things.
Done ruthlessly well.
We didn't build a super-app. We built the fastest way to move euros between two people — and between a customer and a counter.
Your number is your IBAN.
27 characters nobody knows by heart, replaced by the 10 digits already in your contacts.
Free between friends.
Forever. We make money on pro tools, not on your dinner split.
Instant. On a Sunday.
SEPA Instant-compatible rails: seconds, 24/7/365. “Next business day” is a relic.
Your counter, no terminal.
A printable QR is the whole point-of-sale. Customers scan, you get notified.
Group pots in 10 seconds.
Birthday, trip, team gift: share a link, everyone chips in.
Crypto in. Euros out.
Pay from your self-custody wallet: the recipient still gets euros, no volatility. Rate and fees shown before you confirm.
Pay with cryptoEurope, and beyond it.
Serbia joined SEPA in May 2026 — send there like you'd send to Lyon. The US corridor is under construction.
See corridorsOne network.
Two superpowers.
Paying stays as simple as a message.
- Send by phone number — pick a contact, type an amount, confirm with Face ID.
- Request & split — payment requests and group pots with a shareable link.
- Scan & go — pay at the counter with a QR code, no card to pull out.
- Your bank, untouched — no new account to open, money stays where it is.
Taking payment becomes invisible.
- Zero hardware — a printed or on-screen QR replaces the card terminal.
- Live confirmation — both screens show “paid” at the same second.
- Real-time dashboard — revenue, peak hours, returning customers, CSV export.
- Honest pricing — a subscription and 0.3%, not 2.9% of every coffee.
Fewer fees. More speed.
100% European.
We put NexEuro next to the tools you use today. We'd rather you check than take our word for it.
| Criterion | NexEuro | Cards (Visa / MC) | PayPal | Bank transfer |
|---|---|---|---|---|
| Fees between peopleSending to someone close | €0, always | Varies by bank | Up to 3.4% + fixed fee* | Often free |
| Time to receiveMoney actually available | < 10 seconds | 1–3 days clearing | Instant* (paid withdrawal) | 1–2 business days |
| No IBAN, no cardJust a phone number | ||||
| Data hosted in EuropeSovereignty & GDPR | ||||
| Merchant acceptanceHardware needed | QR code · none | Terminal + commission | Online commission | |
| CoverageWhere it works | SEPA + Serbia (US beta) | Worldwide | Worldwide | Worldwide |
*Indicative comparison; third-party fees change and depend on the operator. PayPal instant transfers often carry a fee for immediate withdrawal. All detailed comparisons
Nothing leaves without your yes.
Every payment is confirmed on your own device: you see the recipient, the amount, then you approve. Strong authentication, European hosting, data used for one purpose only — moving your money.
Strong authentication
Biometrics on your device for every sensitive action, aligned with PSD2 / SCA.
Explicit confirmation
Unconfirmed transfers never leave. No silent debits, no surprises.
Hosted in Europe
Data processed in the EU under the GDPR. No resale. No ad targeting.
Is NexEuro a bank?
What does it cost?
Where does it work?
How fast is “instant”?
Do my friends need the app?
Which is exactly the right time.
Join the first users sending euros at the speed of a message. Free forever between friends.