Budgeting & Banking
N26, Revolut, Bunq, Monzo EU, Wise—multi-currency EUR + GBP wallets.
Compare Apps →Investing & Trading
Commission-free brokers like Trade Republic, Scalable Capital, Lightyear.
See Broker Guide →High-Yield Savings
EU-regulated apps paying 3-5%+ APY with FSCS/Deposit Guarantee.
Read Savings Guide →Make Money Online
Remote-friendly side hustles for EU citizens (freelance, affiliate, content).
Start Now →Top EU-Wide Budgeting & Banking Apps
Thanks to PSD2 and SEPA instant transfers, modern banks let you manage EUR, GBP, and USD without borders.
| App | HQ / Licence | Key Features | Best For |
|---|---|---|---|
| Revolut | LT banking licence | 30+ currencies, budgeting analytics, metal cashback | Frequent travelers, multi-currency wallets |
| N26 | DE banking licence | Smart sub-accounts, shared spaces, insurance bundles | EU residents needing full banking coverage |
| Bunq | NL licence | 25 IBANs, climate-positive spending, AutoSave | Freelancers & expats managing multiple IBANs |
| Wise | UK + BE licences | Multi-currency accounts, low-cost FX, debit card | Receiving payments from US/UK clients |
Investing & Trading Platforms
- Trade Republic: €1 order fee, 4% interest on cash, up to €100k DGS per user.
- Scalable Capital: Commission-free Prime plan, access to Xetra, Eurex, US markets.
- Lightyear: Multi-currency accounts, low FX for US stocks, available across EEA.
- Interactive Brokers EU: Offices in Ireland and Hungary with MiFID II protection.
For a UK-specific breakdown see Commission-Free Trading Platforms UK.
EU High-Yield Savings & Cash Management
European interest rates remain elevated, allowing fintechs and banks to pay 3–5% APY on euro deposits. See the dedicated High-Yield Savings Accounts Europe guide for details. Quick highlights:
- Trade Republic Savings: 4% variable interest on uninvested cash (Deposit Guarantee Scheme up to €100,000).
- Scalable Cash: 3.8% APY with Prime+ plan.
- Raisin / Weltsparen: Marketplace for term deposits across EU banks up to 4.5%.
Ways to Make Money Online in the EU
- Use Fiverr, Malt, and Upwork to sell multilingual services (copy, design, localization).
- Launch EU-focused niche sites (ex: “best trading apps Germany”) and monetize via AdSense + Monetag.
- Partner with affiliate programs that pay in EUR (Trade Republic, N26, Scalable Capital, Wise).
- Sell digital products on Gumroad/Payhip with SEPA or Stripe payouts.
Europe Hub FAQ
Which budgeting app works everywhere in Europe?
Revolut, N26, Bunq, and Wise all provide EU IBANs, multi-currency cards, and PSD2-compliant budgeting tools. Choose based on your residency and banking licence coverage.
How can I earn interest on euros safely?
Use EU Deposit Guarantee Scheme (DGS) banks via Trade Republic, Scalable Capital, or Raisin. Each bank protects up to €100,000 per depositor.
Can EU citizens buy US stocks without high fees?
Yes. Platforms like Lightyear, Trade Republic, and Interactive Brokers provide low-FX or multi-currency accounts, letting you trade US stocks with minimal overhead.