Split bills in Europe with SEPA/IBAN (2026) — full payment guide
How to settle friends via SEPA bank transfer, IBAN, PayPal, Revolut, Wise or Bizum 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 IBAN copy-paste on WhatsApp. SEPA instant transfers plus PayPal, Revolut, Wise and Bizum 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 bank transfer, PayPal, Revolut, Wise, Bizum (Spain), Lydia (France), Swish (Sweden), TWINT (Switzerland) or card — without installing Partly to settle.
内置支付让结算轻松无忧。分账后，一键通过 IBAN 银行转账、PayPal、Revolut、Bizum、Wise、Lydia 或银行卡发送付款请求。无需在 WhatsApp 上交换银行信息，也没有「我晚点转给你」。
For cross-border trips inside the EU, Partly Premium adds 70+ currencies with live ECB rates — useful when someone pays in euros and another tracks in pounds or złoty.
若需要无限扫描、无限群组、70 多种货币及实时汇率、高级分析、B2B 导出和无广告体验，Partly Premium 年费 19.99 欧元 — 比 Splitwise Pro 年费 49.99 美元（价格因商店地区而异）低约 40%，功能却更多。
Roommates and student flats benefit most: recurring rent, grocery scans with line-item AI, and monthly settle-up via SEPA on a fixed date everyone agrees on.
迁移很简单：新支出开始使用 Partly，让群组体验 AI 扫描和应用内支付，升级的决定会自然做出。
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