Your questions,
our answers.
Everything you need to use NexEuro with confidence — security, pricing, comparisons and everyday use.
General4 questions
What is NexEuro?
NexEuro is an instant European payment network, based on SEPA Instant. It lets you send and receive money by phone number, in under 10 seconds, with no fees between users.
Is it a bank?
No. NexEuro develops a European payment solution and is preparing its licence with the ACPR. Until that licence is obtained, NexEuro is not presented or used as a licensed payment institution. Your money stays in your usual bank account.
Which countries does NexEuro work in?
The entire SEPA zone (36 countries). You can pay a friend in Germany, Spain or Portugal as easily as in France.
Do I need to change banks?
No. NexEuro works on top of your current bank. No new IBAN to open.
Security4 questions
Is my data secure?
Yes: AES-256 encryption, biometric authentication, and a design aligned with the PSD2 and SCA requirements. All data stays hosted in Europe.
What happens if I lose my phone?
Log in from another device with your number and an SMS code, then disable the old device. No payment is possible without biometrics.
Does NexEuro have access to my bank account?
Read-only, via Open Banking (PSD2). You stay in control and can revoke access at any time.
Is there deposit insurance?
As your money stays in your bank account, you benefit from your bank's deposit guarantee (€100,000 in the euro area).
Pricing3 questions
How much does NexEuro cost?
Between individuals: €0 per transaction, forever. For merchants: see the Pricing page.
Are there hidden fees?
None. No exchange fees (we only handle euros), no weekend fees, no inactivity fees.
Do I need a subscription?
Not for individuals. Professionals have a €9/mo plan for the dashboard and the API.
For professionals3 questions
How do I take payment without a card terminal?
Display a QR code. The customer scans it in the NexEuro app and confirms. The money arrives in your bank account in under 10 seconds.
Is there an API?
Yes, REST and webhooks. Available once the ACPR licence is obtained. Beta sign-up: /developers.
Is it compatible with my till?
A JavaScript widget and plugins (Shopify, WooCommerce, Prestashop) will ship at commercial launch.
Comparisons3 questions
NexEuro vs PayPal?
Free (vs up to 3.4%), instant, no proprietary wallet. See /comparatifs.
NexEuro vs Revolut?
No need to open yet another account — your money stays in your current bank.
NexEuro vs Stripe?
For euro-to-euro payments: €0 (vs 1.4% + €0.25), instant settlement (vs 2–7 business days), European sovereignty.
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