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.
| 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. |
Updated on
4 reasons to switch
What you concretely gain by moving to NexEuro.
Funds land in the account, not in a closed wallet.
No commission on reimbursements between colleagues.
A simple phone number is enough for the pot.
No card to order or manage.
Frequently asked questions
Everything you need to know before switching.
Does NexEuro replace meal vouchers?
How do I organise a pot?
Are there withdrawal fees?
Ready to try the European alternative?
Download NexEuro and send your first instant payment in under 60 seconds.
Go further with NexEuro
Discover the solutions, countries and use cases that Swile doesn't cover — or covers less well — than NexEuro.
European payment solutions
SEPA Instant, acceptance, group pots → Pillar · Countries36 SEPA countries covered
France, Germany, Spain, Italy → Pillar · Use casesConcrete use cases
Restaurant, freelance, e-commerce →See also: acceptance without a terminal · freelance invoicing · e-commerce payments without Stripe · instant payment in France · free SEPA Instant transfer.
Other European alternatives to Swile and competitors
Compare NexEuro with other players: European alternatives, neobanks, wallets and payment processors.