Hello everyone,

I’m living in Germany and looking for a good PayPal alternative. I mainly need it for:

  • Sending money to friends
  • Paying online, especially to small vendors
  • Ordering food and everyday purchases

I’ve heard about Bunq, Klarna, Revolut, and N26, but I’m not sure which one would be best for my needs. Has anyone had experience with these services in Germany? Which would you recommend and why?

Thanks in advance!

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Revolut is great, but more like a banking servive than a payment service. You’ll get virtual credit card details that you can use to pay, just like with regular credit cards. Haven’t used N26, but I think they’re similar from what I’ve heard…

Klarna is widely used, but I heard they can be quite predatory and make it very easy to make debt, which they then use to squeeze hella fees from you until you paid everything off.

No idea about Bunq.

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