🇪🇺 European Digital Banks

German neobank holding a full EU banking licence, with SEPA instant transfers, Spaces sub-accounts and a Metal tier aimed at travellers.

UK bank known for instant spending notifications, Salary Sorter for splitting income on payday, and Pots for goal-based saving.

Dutch bank with a sustainability angle: tree planting tied to card spending, CO2 tracking, sub-accounts and dual-IBAN support.

UK digital bank with a full banking licence, an integrations marketplace, and personal, joint and business accounts in one app.

Buy-now-pay-later provider expanding into a broader shopping, payments and banking app. Deferred payment is credit — check the terms.