The Best Payment & E-Money Apps
The most trusted e-money institutions and payment apps for everyday spending, transfers and multi-currency accounts — ranked by verified user reviews.
Revolut
One app for spending, exchange, saving and investing.
Memo Bank
A bank built for French SMEs.
Finom
Business banking for European SMEs.
TransferGo
Fast, low-cost remittances.
Swan
Embedded banking for European businesses.
Vipps MobilePay
The Nordics’ leading mobile wallet.
Tipalti
Global payables automation.
Sendwave
No-fee remittances to Africa & Asia.
Taptap Send
Fast remittances to emerging markets.
Qonto
Business banking built for SMEs and freelancers.
Razorpay
Payments and business banking for India.
Mollie
Effortless online payments for businesses.
ClearBank
Clearing and embedded banking.
Computop
A global payment gateway from Germany.
The full ranking
| # | Provider | TrustScore | Reviews | Verified |
|---|---|---|---|---|
| 1 | Wise | 4.1 | 2,076 | 1,479 |
| 2 | Revolut | 4.0 | 1,966 | 1,344 |
| 3 | Memo Bank | 4.0 | 143 | 71 |
| 4 | Finom | 3.9 | 188 | 74 |
| 5 | TransferGo | 3.9 | 180 | 79 |
| 6 | Swan | 3.9 | 167 | 80 |
| 7 | Vipps MobilePay | 3.9 | 165 | 73 |
| 8 | Tipalti | 3.9 | 155 | 89 |
| 9 | Sendwave | 3.9 | 153 | 63 |
| 10 | Taptap Send | 3.9 | 117 | 46 |
| 11 | Qonto | 3.8 | 4,593 | 1,963 |
| 12 | Razorpay | 3.8 | 314 | 155 |
| 13 | Mollie | 3.8 | 217 | 97 |
| 14 | ClearBank | 3.8 | 202 | 90 |
| 15 | Computop | 3.8 | 202 | 89 |
Frequently asked questions
- What is the best EMI in 2026?
- Wise currently leads with a TrustScore of 4.1/5 from 2,076 reviews (1,479 proof-verified). The full ranking is updated as new verified reviews are validated.
- How are these e-money institutions ranked?
- Each provider's TrustScore weights proof-verified Fourseek reviews most heavily (50%), then blends Apple App Store, Google Play and other third-party ratings. Only providers with a meaningful number of reviews are ranked.
- Are these reviews verified?
- Yes. Fourseek weights reviews where the customer uploaded proof of interaction above anonymous or scraped ratings, so the ranking reflects real, verifiable experiences.
Browse the full e-money institutions directory or by region: E-Money Institutions in Europe.