European alternative to Swile :
NexEuro, free SEPA Instant.
The alternative to Swile for reimbursements between colleagues: instant and free.
Why look for an alternative to Swile?
Swile combines meal vouchers and team pots on a Mastercard. For the reimbursement and pot side between colleagues, NexEuro offers the same simplicity, with no card, no fees and no intermediate platform.
Swile vs NexEuro
A point-by-point comparison to help you choose.
Updated on
| Criterion | Swile | NexEuro |
|---|---|---|
| Rail | A Mastercard backed by a wallet. | Account-to-account SEPA Instant. |
| Group pot | A pot internal to the platform. | A pot credited directly to the recipient's account. |
| Fees | A paid model on the employer side. | €0 between users. |
| Portability | Funds tied to the Swile ecosystem. | Funds in your bank account, available everywhere. |
4 reasons to switch
What you concretely gain by moving to NexEuro.
Frequently asked questions
Everything you need to know before switching.
No. NexEuro covers payments and pots, not regulated employee benefits.
Create a pot in the app and share the link or the QR code.
No, the money is already in your bank account.
Ready to try the European alternative?
Download NexEuro and send your first instant payment in under 60 seconds.
Download NexEuroGo further with NexEuro
Discover the solutions, countries and use cases that Swile doesn't cover — or covers less well — than NexEuro.
See also: acceptance without a terminal · freelance invoicing · e-commerce payments without Stripe · instant payment in France · free SEPA Instant transfer.