European Alternatives to Venmo

Swedish mobile payment system that closely parallels Venmo's core functionality with widespread national adoption. Allows instant peer-to-peer transfers using phone numbers similar to Venmo's user-friendly approach. Deeply integrated with Swedish banks with near-universal market penetration in Sweden (over 75% of population). Lacks Venmo's social feed but excels at the practical aspects of digital transfers with superior merchant payment integration. National institution in Sweden similar to Venmo's cultural status in the US.

UK-based fintech offering extensive payment functionality similar to Venmo with added financial services. Strong peer-to-peer payment capabilities with instant transfers and social elements, though less emphasis on the social feed that characterizes Venmo. Offers additional features beyond Venmo including multi-currency accounts, cryptocurrency trading, budgeting tools, and international transfers. More comprehensive financial platform but maintains similar ease-of-use for casual money transfers between friends.

French payment app with strong similarities to Venmo's core social payment features. User-friendly interface focused on quick money transfers between friends with social elements and personalized messages. Offers group expenses, money pools, and bill splitting similar to Venmo use cases. Has expanded to include additional financial services while maintaining the casual, social payment experience that defines Venmo. Popular among younger French users similar to Venmo's demographic in the US.

Norwegian mobile payment application with widespread national adoption similar to Venmo's position in the US. Focuses on seamless peer-to-peer transfers using phone numbers with strong social payment features. Offers bill splitting, payment requests, and merchant payments in a user-friendly interface. Less emphasis on social feed than Venmo but comparable functionality for everyday money transfers. Dominant market position in Norway with high user engagement and brand recognition.

Dutch payment request app that has become culturally significant in the Netherlands similar to Venmo's status in the US. Primarily focused on payment requests and bill splitting with extremely simple user interface. Allows personalized messages and social elements comparable to Venmo's casual approach to money transfers. Less comprehensive than Venmo with stronger focus on payment requests rather than direct transfers, but deeply embedded in Dutch social payment culture.