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Stopoverpayingyourbank.
We check 70+ banks and apps every day, then show you the cheapest one for what you actually need. Free. No signup.
Free · No signup · Works in 30 European countries
What do you want to do?
Pick the one that sounds like your day.
We'll show you the cheapest, fastest option — for that specific thing — in plain numbers. No jargon, no upsell.
All your options in Europe
Click any category to see every option available — not just the popular ones.
See the real cost
What banks quietly charge you — and what you'd pay through Payn.
Same product, different provider. The difference is what you don't see on your statement.
Illustrative annual costs based on published provider terms. Your actual amounts depend on eligibility, market, and usage.
Top picks this week · Europe
What's actually winning right now.
Three offers leading our market across cost, speed, and eligibility. Updated whenever providers publish new terms.
Trade Republic Savings
Trade Republic · Savings
Interest rate
4.0% per year
Minimum deposit
EUR 1
Deposit protection
EUR 100,000
Interest rate
4.0% per year
Minimum deposit
EUR 1
Deposit protection
EUR 100,000
Revolut Money Transfer
Revolut · Transfers
Fee
Free – 1.5%
Speed
Instant – 3 days
Corridors
150+ countries
Fee
Free – 1.5%
Speed
Instant – 3 days
Corridors
150+ countries
Klarna Flexible Loan
Klarna · Loans
APR
3.9% – 11.9%
Amount
EUR 500 – 50,000
Term
6 – 72 months
APR
3.9% – 11.9%
Amount
EUR 500 – 50,000
Term
6 – 72 months
This is Payn
We rebuiltfinancial comparisonfor people whoactually do the maths.
Every other site sorts by who pays them most. We sort by what the product actually costs you — fees, FX spreads, APRs, all in. Then we tell you which links pay us anyway.
100+
products live
60+
providers tracked
30
European markets
24h
max rate refresh
New this month in Europe
Stuff that wasn't here last time you looked.
Trade Republic raised cash rate to 4.0%
Earn passively on EUR deposits, no minimum required.
See offerHow we built this
Every option, real data
We track 50+ providers across 8 countries and 23 product categories.
Real costs, not marketing
Every fee, every rate, every catch. Recalculated daily.
You decide. We show you what's available.
No 'best for you' guesses. No quizzes. Just full inventory — you pick what fits.