# A fresh European take on banking, investing and payments

> Ten European fintech and neobank apps worth using: Revolut, Wise, N26, Klarna, Monzo, Starling, Bitpanda, Bunq, Lunar, Trade Republic.

European fintech and banking apps worth using | Euronomy

![lukas-wsFrXqTvRyI-unsplash.jpg](https://euronomy.eu/media/o3el33he/lukas-wsfrxqtvryi-unsplash.jpg)

Europe's challengers aren't just copying the old banks — they're rebuilding them. From current accounts and stock investing to instant transfers and buy-now-pay-later, a new generation of European fintechs has reinvented the everyday financial products people actually use. All are EU/EEA-licensed and deposit-protected, most run on modern app-first infrastructure, and many now rival or beat the incumbents they set out to disrupt.

Below: European fintechs offering a fresher, cheaper and faster take on traditional banking and investing.