The Exchange
Leaving revolut?
3 European alternatives, ranked on cited evidence: ownership, jurisdiction, and where your data actually lives.
The verdict
The strongest European option replacing revolut is Qonto: French business payment institution for SMEs and freelancers, ACPR-licensed across Europe, scored 83/100 ahead of 2 others.
Jurisdiction 100 · Independence 57 · how we score
83 /100 Partial
All alternatives, side by side
| # | Service | HQ | Governing law | Score | FIE-SEAL | Visit |
|---|---|---|---|---|---|---|
| 01 | Qonto French business payment institution for SMEs and freelancers, ACPR-licensed across Europe. Alternative to Revolut · PayPal | FR | French law; supervised by ACPR; subject to GDPR | 83 Partial Jurisdiction 100 Independence 57 | SEAL-1 | Dossier → |
| 02 | N26 German mobile bank with a full EU banking licence, operating across Europe. Alternative to Revolut · PayPal | DE | German law; supervised by BaFin and ECB (SSM); subject to GDPR | 78 Partial Jurisdiction 91 Independence 57 | SEAL-1 | Dossier → |
| 03 | bunq Dutch mobile bank with a full EU banking licence; known for sustainability focus and expat-friendly features. Alternative to Revolut · PayPal | NL | Dutch law; supervised by DNB and AFM; subject to GDPR | 70 Partial Jurisdiction 79 Independence 57 | SEAL-1 | Dossier → |
No services match these filters.