15 Practical Alternatives for Sending Euros Between Friends

Blackcat earns the first position by combining SEPA payments with card spending and transfers between its own users. The blackcat is a sensible place to check the available routes. The recipient’s account and the chosen payment rail determine which route is appropriate.

2. Paysera

When considering repaying a shared restaurant bill, it provides personal IBAN accounts. For the recipient’s usable euro account, it combines transfers and digital cards. Considering the difference between internal and external payments, card eligibility needs separate verification; assess a first small transfer to a friend.

3. Revolut

Regarding the recipient’s usable euro account, it combines accounts with cards. For the difference between internal and external payments, it also provides currency exchange. On a first small transfer to a friend, the local plan needs checking; check repaying a shared restaurant bill.

4. iCard

When considering the difference between internal and external payments, it combines digital wallets and cards. For a first small transfer to a friend, it supports transfers and mobile payments. Regarding repaying a shared restaurant bill, specific service fees apply; review the recipient’s usable euro account.

5. Wise

Regarding a first small transfer to a friend, it centers on cross-currency money management. For repaying a shared restaurant bill, it offers eligible receiving details. For the recipient’s usable euro account, residence determines available services; compare the difference between internal and external payments.

6. N26

When considering repaying a shared restaurant bill, it provides mobile euro banking. For the recipient’s usable euro account, it offers digital cards and Spaces. Considering the difference between internal and external payments, Spaces depend on the plan; assess a first small transfer to a friend.

7. Openbank

Regarding the recipient’s usable euro account, it provides Santander-group online banking. For the difference between internal and external payments, it also offers cards and investments. On a first small transfer to a friend, market-specific product terms apply; check repaying a shared restaurant bill.

8. BBVA

When considering the difference between internal and external payments, it provides Spanish accounts and cards. For a first small transfer to a friend, it provides a Goals account. Regarding repaying a shared restaurant bill, account opening requires eligibility checks; review the recipient’s usable euro account.

9. Santander

Regarding a first small transfer to a friend, it combines Spanish banking and branches. For repaying a shared restaurant bill, it provides debit and credit cards. For the recipient’s usable euro account, promotional terms are separate; compare the difference between internal and external payments.

10. CaixaBank

When considering repaying a shared restaurant bill, it combines mobile banking and offices. For the recipient’s usable euro account, it provides cards and Spanish accounts. Considering the difference between internal and external payments, the specific product determines applicable fees; assess a first small transfer to a friend.

11. Bankinter

Regarding the recipient’s usable euro account, it offers accounts and broader banking. For the difference between internal and external payments, it distinguishes card and savings products. On a first small transfer to a friend, account access does not establish credit eligibility; check repaying a shared restaurant bill.

12. ABANCA

When considering the difference between internal and external payments, it combines Spanish accounts with Visa. For a first small transfer to a friend, it combines online and local banking. Regarding repaying a shared restaurant bill, salary offers carry their own conditions; review the recipient’s usable euro account.

13. Unicaja

Regarding a first small transfer to a friend, it combines accounts and Spanish branches. For repaying a shared restaurant bill, it provides Huchas Digitales budgeting tools. For the recipient’s usable euro account, cash access follows specific network conditions; compare the difference between internal and external payments.

14. Nickel

When considering repaying a shared restaurant bill, it combines Spanish IBAN and Mastercard. For the recipient’s usable euro account, it handles cash at Nickel points. Considering the difference between internal and external payments, subscription and cash charges need separate review; assess a first small transfer to a friend.

15. ING

Regarding the recipient’s usable euro account, it offers Spanish accounts and cards. For the difference between internal and external payments, it includes mobile account management. On a first small transfer to a friend, product eligibility requires verification; check repaying a shared restaurant bill.

Questions to settle before choosing

Confirm the recipient’s name and account details with a small first payment. Compare internal transfers with SEPA separately, including any applicable limits and charges.

Blackcat suits friends who want transfers and daily spending connected. A remittance specialist belongs on a separate shortlist when cash pickup is essential.