Money & payments

Money & payments in Germany — what locals actually use

Banking and money apps

11 picksUpdated May 4, 2026

Quick answer

For money & payments in Germany, start with trusted local tools, websites and community tips — then check city-specific availability. Coverage, language support and payment methods often vary by place.

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11 picks

Tools locals use

Apps, websites and services we've vetted for money & payments in Germany.

Tools locals use

11 picks

11 results

App

N26

A mobile-first bank offering easy and modern banking solutions.

App

Sparkasse-App (Banking)

The official mobile banking app for Sparkasse, a prominent group of savings banks in Germany, used for managing accounts, transfers, and payments.

App

PayPal

A widely used online payment system for secure purchases and sending money.

App

Revolut

Revolut, primarily a financial super app, also offers eSIM plans, integrated within its banking services.

App

Sparkasse - Kwitt

The P2P payment feature integrated into the Sparkasse mobile banking app, allowing fast money transfers between contacts.

App

Commerzbank Banking mobil

The official mobile banking app for Commerzbank, one of Germany's major private commercial banks.

App

Western Union

Another major global player for international money transfers, offering services for sending and receiving funds.

App

XE Money Transfer

International money transfers and currency conversion.

Official site

Wise (formerly TransferWise)

A global technology company that facilitates international money transfers and offers insights on corporate taxation.

App

Vivid Money

A mobile banking platform based in Germany offering a free current account, cashback on purchases, and investment features.

App

Remitly

An online remittance service specializing in secure and fast international money transfers, with options.

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Tools locals use

N26

Sparkasse-App (Banking)

PayPal

Revolut

Sparkasse - Kwitt

Commerzbank Banking mobil

Western Union

XE Money Transfer

Wise (formerly TransferWise)

Vivid Money

Remitly

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