Split Bills in Europe with SEPA/IBAN (2026): Complete Payment Guide
How to settle friends via SEPA bank transfer, IBAN, PayPal, Revolut, Bizum or Wise across the EU. Partly sends payment links without leaving the app.
In Europe, settling with friends after dinner or in a shared flat shouldn't require US-only apps or copying IBANs into WhatsApp. SEPA instant transfers plus PayPal, Revolut, Wise, Bizum (Spain), Lydia (France) and Swish (Sweden) cover most cases — if the workflow is simple.
Partly was built for European groups: after you split a receipt or add a shared expense, one tap sends a payment request. Recipients pay via IBAN/SEPA, PayPal, Revolut, Wise, Bizum, Lydia or card without installing Partly to settle.
Splitwise links out to third-party apps (Venmo, PayPal — availability varies). Partly keeps settlement in-app — critical in France, Germany, Spain and Italy where Venmo doesn't exist.
For cross-border EU trips, Partly Premium adds 70+ currencies with live ECB rates — useful when someone pays in euros and another tracks in pounds or złoty.
Roommates and student flats benefit most: recurring rent, grocery scans with line-item AI, and monthly SEPA settle-up on a fixed date.
Free vs Premium: free includes 5 payment links/month — enough for casual groups. Premium removes limits and ads at €19.99/year, roughly 40% less than Splitwise Pro.
FAQ: Can I pay friends by SEPA in Partly? Yes — send a payment link, they pay by bank transfer from any browser. Does Partly work in Spain with Bizum? Yes, alongside SEPA and PayPal.
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