I was surprised to learn about BLIK in Poland. So I was chatting with our robot friends to learn if there are similar p2p systems in outher EU countries. If we could replicate what Poles did, this would be HUGE. Here's a full list:
| Country | Payment system |
|---|---|
| Austria | Express-Transfer (bank instant services), MeinElba (bank apps) |
| Belgium | Bancontact Mobile, Payconiq by Bancontact |
| Bulgaria | Local bank mobile apps (instant), ePay (card services) |
| Croatia | m-Transfer (bank apps) |
| Cyprus | Local bank mobile apps (instant transfers) |
| Czech Republic | Instant bank transfers via bank apps |
| Denmark | MobilePay |
| Estonia | Bank apps / Mobile-ID instant transfers |
| Finland | Siirto (now integrated into bank apps) |
| France | Paylib, Lydia (fintech P2P), bank app instant transfers |
| Germany | giropay, Kwitt (Sparkassen), SEPA Instant via banks |
| Greece | Bank mobile apps (instant), Viva Wallet P2P |
| Hungary | Bank app instant transfers, fintech apps |
| Iceland | Bank app instant transfers |
| Ireland | Bank app instant transfers, Revolut and fintechs |
| Italy | Bancomat Pay, Satispay, MyBank, bank app instant transfers |
| Latvia | Bank app instant transfers |
| Lithuania | Paysera, bank app instant transfers |
| Luxembourg | Bank app instant transfers |
| Malta | Bank app instant transfers, fintech apps |
| Netherlands | iDEAL (e‑commerce), Tikkie (ABN AMRO P2P) |
| Norway | Vipps |
| Poland | BLIK |
| Portugal | MB WAY |
| Romania | Bank app instant transfers, fintechs (e.g., Revolut) |
| Slovenia | FLIK |
| Slovakia | Bank app instant transfers (e.g., Tatra banka) |
| Spain | Bizum |
| Sweden | Swish |
| Switzerland | TWINT |
| United Kingdom | Faster Payments (bank-backed), bank app P2P (Monzo, Revolut) |
"Notes: This list emphasizes nationally used P2P/payment schemes or widely adopted bank-backed instant transfer services in European countries; coverage and features vary (QR, phone-number transfers, one-time codes, ATM withdrawal)."
