The best European alternative to Melio is Wise. If that doesn't suit you, we've compiled a ranked list of other European Melio alternatives to help you find a suitable replacement. Other interesting alternatives to Melio are: Klarna, Mollie, Wero, and Capi.
Melio alternatives are mainly FinTech Solutions but may also be Business Operations Platforms. Browse these if you want a narrower list of alternatives or looking for a specific functionality of Melio.
This list contains services from companies based in a member state of the European Union (EU), the European Economic Area (EEA) and the European Free Trade Association (EFTA). You can read more about the listing conditions here.
Transfer money globally with transparent fees and real exchange rates. Get account details in 22 currencies, spend abroad without fees, and earn returns on your balance.

Save significantly on international money transfers with transparent pricing and real exchange rates. Unlike traditional banks that add hidden markups, Wise shows you exactly what you pay - typically saving customers up to £46 per transfer.
Multi-currency account features include account details in 22 currencies, allowing you to receive payments like a local in multiple countries. The debit card works in 231 countries without foreign transaction fees, making it perfect for frequent travelers and international businesses.
Earn 3.49% variable returns on your GBP balance while maintaining full spending flexibility. Your money is held with established financial institutions and protected by dedicated fraud teams using 2-factor authentication.
Trusted by millions - over 700,000 businesses and millions of personal customers move £12 billion monthly through the platform. Regulated by the FCA in the UK, ensuring your money transfers meet strict financial standards.
Key benefits:
Compare prices across thousands of Spanish stores and pay flexibly. Shop securely online, in-app, or in-store with multiple payment options.

Klarna helps you save by comparing prices on 3.4 million products from 6,400 Spanish stores. Discover the best deals and choose how you want to pay: immediately, in 30 days, or in flexible installments (3, 6, or 12 months). Shop with confidence online, in your favorite physical stores using the app, or directly within the Klarna app itself.
Key benefits include:
Control your spending, find great deals, and enjoy a smoother shopping experience.
Accept online and in-person payments quickly with transparent pricing. Supports all leading payment methods to help grow your business.

Mollie provides a comprehensive solution for businesses of all sizes to manage online and in-person payments effortlessly. Powering growth for over 250,000 businesses, from startups to enterprises, it offers a single platform to drive revenue, reduce costs, and simplify financial management.
Key benefits include:
Use the centralized dashboard for managing payments, gaining insights, accessing funding, and streamlining accounting. This platform helps you accept online payments, set up terminals for in-person transactions, simplify subscription billing, and effectively combat fraud.
Make fast, secure digital payments across Europe. Send and receive funds between bank accounts in under 10 seconds using only a phone number. Simple and seamless.

Wero enables fast and secure digital payments, allowing you to send and receive money between bank accounts in under 10 seconds, 24/7. It's designed for simplicity and seamless transactions across Belgium, France, and Germany, with all you need being a phone number.
Key benefits include:
Wero is just getting started, with plans to expand to more European countries like the Netherlands in 2025. Future updates will also introduce capabilities for in-store and online purchases, as well as managing subscriptions directly from your Wero digital wallet. This makes it easier to settle up with family and friends, pay your share for group activities, or quickly reimburse someone.
Fast, reliable foreign currency payments in 30+ currencies for importers. 24-hour settlements, competitive rates, real-time tracking with enterprise security.

Reliable global payments designed for importers in emerging markets, processing over $1B annually with backing from leading investors including Creandum and Y Combinator.
Pay suppliers seamlessly in 30+ currencies with guaranteed availability and competitive exchange rates. Skip weeks of traditional banking delays with 24-hour payment settlements and instant rate quotes that keep your business moving.
Key advantages:
Built specifically for importers who need reliable payment timelines to maintain supplier relationships and increase business turnover. The platform eliminates traditional banking queues and paperwork, making international payments as simple as domestic transfers.
Regulated service operating with banks in top-tier jurisdictions, providing full transparency and peace of mind for your international transactions. Perfect for businesses ready to scale their import operations without payment bottlenecks.
Send money globally in minutes at very low cost. Connect local payment methods, search recipients by name, and transfer funds between accounts or via messaging apps.

Sling Money offers a faster and less expensive method for moving money globally, utilizing advanced payment technologies. It seamlessly integrates with local payment systems worldwide, enabling you to use your preferred financial products.
Sending money is straightforward with these three steps:
Key advantages include: