European & open-source Finance & payments
48 European and open-source finance & payments tools — alternatives to the usual US software, built and hosted in Europe.
Updated 9 Sep 2026 · refreshed weekly
Adyen
This financial technology platform provides end-to-end payment processing, data management, and financial products for large…
Billomat
German online invoicing and accounting tool for freelancers and small businesses, with GoBD-compliant archiving and DATEV…
Bitpanda
Digital-asset broker for crypto, stocks, ETFs and precious metals.
bunq
Mobile bank for consumers and businesses, built around privacy and ease of use.
ComplyAdvantage
An AI-driven risk intelligence platform that helps financial institutions detect and prevent financial crime, including fraud and…
CurrencyFair
Irish international money transfer service regulated by the Central Bank of Ireland, using a peer-to-peer marketplace for…
DATEV
German IT cooperative supplying accounting, tax and payroll software used by 40,000+ tax advisors and auditors — one of Europe's…
Debitoor
Danish invoicing tool for freelancers and small businesses (now part of SumUp) with simple invoicing, expense tracking and VAT…
Exact Online
Dutch cloud accounting and business management software for SMEs, headquartered in Delft.
Feedzai
An AI-native platform that provides a unified approach to prevent fraud and financial crime throughout the entire customer…
Finom
Financial platform combining business banking, invoicing and accounting for SMEs.
FreeAgent
Edinburgh accounting platform for UK freelancers and small companies with deep UK tax compliance (MTD, Self Assessment), now part…
GoCardless
Bank-to-bank payments and recurring direct-debit collection for businesses.
Hawk AI
This AI-powered anti-money laundering (AML) and counter-financing of terrorism (CFT) technology helps financial institutions…
Holded
Spanish all-in-one business management platform from Barcelona unifying accounting, invoicing, CRM, HR and inventory for SMEs…
Klarna
It provides flexible and interest-free payment options for online and in-store purchases, allowing users to manage everyday…
Kontier
Billing and invoicing API aimed at European SaaS: turns catalogues, seats and usage events into audit-proof invoices with EU VAT…
Lago
French open-source metering and billing platform (YC-backed) for usage-based pricing, handling event ingestion, metering…
Lexoffice
German bookkeeping, invoicing and accounting software for small businesses, from Freiburg.
Liberapay
Open-source, non-profit recurring-donations platform for funding creators and free software.
Lucinity
It provides an augmented intelligence platform that uses AI to enhance financial crime compliance, helping financial institutions…
Mangopay
It provides a wallet-based payment infrastructure designed for platforms and marketplaces to manage, scale, and monetize their…
Mollie
Mollie is a financial technology group that provides online and in-person payment processing, money management, and funding…
Moneybird
Dutch online invoicing and bookkeeping platform for small businesses, from Enschede.
Mooncard
Paris corporate expense management platform with Visa cards and automated reports, deeply integrated with French accounting…
Moss
Berlin spend management platform with corporate Mastercards, AP automation and an AI pre-accounting agent, BaFin-licensed and…
N26
Mobile-first bank offering current accounts and cards managed entirely from a smartphone.
Payfit
Paris-based cloud payroll and HR automation platform for SMBs.
Payhawk
Bulgarian spend management platform with corporate Visa cards, expenses, AP and multi-entity support, serving mid-market firms…
Payplug
A payment solution that helps merchants and e-merchants process transactions and optimize payment performance, primarily in…
Paysera
One of Lithuania's first licensed e-money institutions, offering free SEPA transfers, multi-currency accounts, a payment gateway…
Pennylane
Paris-based all-in-one financial and accounting platform for European SMEs and accounting firms.
Pleo
Copenhagen-based smart company cards and automated expense management.
PortfolioSavvy
Polish investment-research platform that surfaces US SEC ownership signals — 13F institutional holdings, 13D/G large-stake…
Qonto
Business banking and finance management for freelancers and SMEs.
Revolut
Financial super-app for spending, currency exchange, transfers and investing from your phone.
Rydoo
Belgian expense management platform with receipt scanning, mileage and per diem handling and real-time policy enforcement, with…
Sage
Accounting, payroll and ERP software for small and medium businesses.
sevdesk
German online invoicing and accounting for freelancers and small businesses, from Offenburg.
Spendesk
Paris-based spend management platform with smart cards, invoicing and approvals.
SumUp
It provides card readers and point-of-sale (POS) systems, enabling businesses to process card payments and manage sales. It is a…
Tipeee
A crowdfunding platform that allows content creators to receive financial support from their community, enabling them to fund…
TransferGo
London-founded international money transfer service for 8M+ customers across 160+ countries, with low fees and three transfer…
Tricount
This tool helps users track and manage shared expenses within a group, making it easy to split costs and settle balances among…
Tridens Monetization
This platform offers modern billing, charging, and revenue management software, consolidating these functions into a unified…
Twikey
Twikey is a fintech company that provides smart software to help businesses and organizations improve their cash flow by…
Unzer
Berlin full-stack payment provider (formerly Heidelpay) offering online, terminal, pay-by-link and instalment payments across…
Wise
A financial technology company that facilitates international money transfers and offers international banking features. It aims…