10 Best Simplex Alternatives In Europe For Crypto 2026 – Fast, Secure, And EU-Compliant

This article will give insight into the Best Simplex Alternatives in Europe for Crypto & Finance and focus on service providers that offer euro-friendly payments, SEPA-compliant payments, and have transparent fees and regulatory approval.

These alternatives offer European users an efficient way to buy crypto using cards and bank transfers, with greater flexibility, wider asset access, and smoother onboarding than traditional fiat-crypto services.

All About Simplex?

Simplex is a company that offers safe payment processing solutions, mainly in cryptocurrency. Founded in 2014, it allows clients to purchase various cryptocurrencies using standard payments like credit and debit cards.

As a conduit between fiat and cryptocurrency, snip offers protection against fraud, chargeback protection, and safe regulated transactions so both the merchants and customers are protected.

Its services offer protection to a large variety of crypto exchanges, wallets, and services around the world, helping customers to alleviate the risks of making a payment online. Simplex has become one of the most trusted companyies in the crypto industry.

Key Points & Best Simplex Alternatives In Europe

• MoonPay: Widely available across Europe with strong fiat-to-crypto support.
• Transak: Global reach, supports local payment methods in many EU countries.
• Ramp Network: Focused on seamless integration with apps and wallets.
• Banxa: Strong compliance framework, supports multiple European regions.
• Mercuryo: Popular in Eastern Europe, offers crypto cards and wallets.
• Guardarian: Covers 200+ countries, strong EU presence.
• Onramper: Aggregator model, connects users to multiple providers.
• Paybis: Trusted UK-based exchange with wide fiat support.
• Coinify: Long-standing European provider, strong merchant solutions.
• Kriptomat Pay: Tailored for EU users, integrates with Kriptomat exchange.

10 Best Simplex Alternatives In Europe

1. MoonPay

MoonPay is one of the top alternatives to Simplex in Europe. Buying crypto is very easy in almost every EU country, thanks to strong SEPA bank transfer support,

Along with popular payment methods like Visa, Mastercard, Apple Pay, and Google Pay in euros. Buying crypto is simple, and with MoonPay, no full exchange account is needed.

Because of MoonPay’s European regulatory compliance (GDPR and AML), the onboarding and verification processes are smooth and secure.

MoonPay differs from Simplex, in that it integrates directly into the major wallets and Web3 apps, so Europeans can buy crypto where they already manage their assets.

Features MoonPay

• Buy and sell more than 100 cryptocurrencies.
• Payment through credit and debit cards, Apple Pay, and Google Pay.
• Very basic and simple interface for inexperienced users.
• Protected by EU fraud laws and offers fraud protection and secure transactions

2. Transak

Transak’s coverage across Europe makes it one of the best Simplex competitors in Europe. This is thanks to their seamless local payment coverage as well as the ability to enable users to convert their fiat to crypto with only the click of a button.

Transak’s greatest strength is a combination of Euro support, SEPA transfer availabilities, localized compliance, and overall easier onboarding for users in the Europe.

Unlike Simplex, Transak’s focus is primarily on built-in mechanisms for apps, wallets, and DeFi platforms in which users are able to talke within a crypto ecosystem.

Due to the combination of payment infrastructure focus and Transak’s ability to move quickly to capture crypto regulatory opportunities, Transak is a developing and strong competitor in the market.

Features Transak

• Provides a fiat-to-crypto gateway to a considerable part of the globe.
• Apple/ Google Pay, bank transfer, and cards are accepted.
• Offers real-time rates for exchanges, and transactions are instant.
• Instant transactions with a greater number of KYC-compliant services.

3. Ramp Network

Until October 2023, Ramp Network has been considered one of the best alternatives to Simplex thanks to their emphasis on seamless, rapid, low-friction crypto purchases caters to the European audience.

One of Ramp Networks greatest advantages is the direct integration with payment systems in Europe, especially with SEPA Instant, allowing customers’ rapid euro to crypto conversions with a lower dependence on card networks.

Ramp Networks customers are able to appreciate the company`s focus on transparency with regards to pricing

As well as the functionality of their in-app purchases, integrated with digital wallets, NFT platforms, and various Web3 applications. Ramp Network has been more efficient and cost-effective over the competition in Simplex.

Features Ramp Network

• Concentrates on a seamless fiat-to-crypto integration for mobile and web apps.
• EU users can pay via cards and SEPA bank transfers.
• Transparent pricing with instant settlement.
• A developer-friendly API that enables easy integration.

4. Banxa

Banxa has been recognized as one of the top payment alternatives to Simplex in Europe. This is because they integrate traditional European payment systems and the crypto markets via a single scalable on-ramp.

Their main and unique strength is the payment and currency coverage throughout Europe as they allow users to buy crypto with local payment methods and without the need to register on a complex exchange.

Banxa’s alignment with regulations and focus on fraud mitigation strengthens trust from the users and the partner platforms as well.

For users on the web and mobile, Banxa offers a flexible and dependable alternative to Simplex as they have a good checkout experience and processing speed, in addition to seamless integration with exchanges and wallets.

Features Banxa

• A mixture of cryptocurrencies and fiat.
• Payment via card, SEPA, and simple bank transfers.
• Offers security features and strong regulatory compliance in Europe.
• Chargeback protection while still preventing fraud.

5. Mercuryo

Mercuryo focuses on offering uncomplicated access to crypto and diverse payment options, making it one of the best competitors to Simplex in Europe.

The platform’s key differentiator is its flexibility to cater to both conventional banking and modern Web3 use case. Mercuryo users and crypto-native platforms.

It allows for fast euro transactions, has smooth KYC , and wallet and dApp frictionless integrations during purchases.

The combination of Europe-focused compliance with payment innovation and crypto service integrations make Mercuryo, in all aspects, Simplex’s best alternative in Europe.

Features Mercuryo

• Enables a number of cryptocurrencies and secular currencies.
• Payment via card and bank transfer is accepted.
• EU-compliant with KYC and AML verification.

6. Guardarian

In Europe, the best Simplex alternative is Guardarian because of the Europe-first approach we take in building its service.

Simplex’s best differentiator is the greater variety of local European payment methods we accept, including SEPA, coupled with a highly streamlined and transparent buying process.

Users who appreciate a minimal friction and complexity in checkout, particularly in terms of annoying login and sign up approaches, are most in-inclusive of high user activity in payment streamline and low user activity in payment friction.

With a unique blend of regional compliance, extensive crypto support, and proprietary integrations with multiple wallets and exchanges, we provide an alternative to Simplex with high quality and reliability.

Features Guardarian

• Offers opportunities for users and merchants to crypto pay.
• Offers secure storage and immediate crypto conversions.
• API designed for developers to simplify integration.

7. Onramper

Onramper has proven to be one of Europe’s best alternatives to Simplex since they operate as a smart aggregator rather than a single payment processor.

They have the unique capability to compare several fiat-to-crypto providers in real time, enabling their European clientele the opportunity to select the best price, fees, and payment options for every transaction.

This business model increases transparency and diminishes market power over one single provider, as is the case with Simplex. With strong euro and SEPA support, broad regional coverage, and straightforward wallet integration

Onramper allows European customers to maintain higher control, flexibility, and cost efficiency when purchasing crypto which presents a strong alternative to Simplex.

Features Onramper

• Offers services in converting fiat to crypto for clients in Europe.
• Offers various payment methods like cards and banks.
• Offers low prices with clear and steady charges.
• Simplified integration into portfolios, trading platforms, and software.

8. Paybis

Being one of the top Simplex alternatives, Paybis has a good reputation in Europe due to its seamless experience in buying crypto and unwavering commitment to customer trust and transparency.

Distinct to them, they have detailed and easily understandable pricing and fee structures, assisting Europe-based customers in knowing the actual expense of buying the crypto.

Paybis accepts transactions in euros and popular payment cards, in addition to offering local bank options, making it easily accessible to many European customers.

Paybis has a high level of simplicity, efficiency and reliability which makes them a great alternative to Simplex for people in Europe. They are well known for their easily accessible services and superb customer support.

Features Paybis

• Worldwide digital asset trading platform with fiat gateway.
• Supports card payments, bank wire, and online banking.
• Offers quick service and round-the-clock customer support.
• Extensive KYC processes to enhance safety for all involved parties during the transactions.

9. Coinify

Commercial novices in Europe may benefit from Simplex Alternatives since Coinify concentrates on Europe in particular with tailored bank-compliant crypto purchases.

Coinify’s most unique advantage is great integration with the European banking system which allows clients to buy crypto via euro bank transfers rather than cards.

Coinify’s commitment to transparency and compliance promises long-lasting reliability which attracts clients willing to trade in aggressive marketing for stability.

Coinify’s professional and reputable services for the European crypto ecosystem provide a Simplex alternative as and instant euro transfers.

Coinify for Europe is a Simplex alternative as a professional and reputable service for the crypto ecosystem.

Features Coinify

• Offers solutions for merchant services and processing crypto payments.
• Accepts crypto, SEPA payments, and offers card services.
• High compliance rate regarding legal obligations within Europe.
• Required funds are immediately released, and formidable security measures are in place to prevent fraud

10. Kriptomat Pay

Kriptomat Pay has become one of the best Simplex alternatives across Europe as Kriptomat Pay is constructed on the foundation of a regulated European crypto platform with emphasis on everyday usability.

As the only European platform combining the ability to process crypto payments as well as provide fiat on-ramps, users can easily buy and spend crypto.

Kriptomat Pay enables transactions in euro, supports local banking methods and user-friendly verifications tailored to the user in the EU.

Kriptomat Pay is more focused on compliance and user friendly features that prioritize payment functionalities as opposed to the traditional focus on card processing. As a result, Kriptomat Pay is one of the few well-rounded, Europe based alternatives to Simplex.

Features Kriptomat Pay

• Crypto payment service platform aimed for the EU with wide range of virtual currencies.
• Accepts payment through cards, banks, and numerous other options.
• Highly secure and regulated procedures with KYC and AML compliance.
• Seamless incorporation for virtual currency wallets and trading platforms.

Comparison of The Best Simplex Alternatives In Europe

How We Choose Best Simplex Alternatives In Europe for Crypto & Finance 2026

European Regulatory Compliance As for the platform selection process, we considered the degree of alignment with the European Union, regarding KYC, AML, and other data protection regulations applicable in Europe for the legal and safe usage in Europe.

Euro & SEPA Support We considered all services that provided support for euro transactions and SEPA or SEPA Instant payments, as they are critical for European customers.

Payment Method Variety We assigned higher scores to platforms that support payments via cards, bank wires, and other local European payment services for better accessibility.

Crypto Asset Availability We studied the cryptocurrency adoption rates and the support for other popular altcoins for diversity in offerings.

Ease of Use & Onboarding User-friendly services offered simple design interfaces, performed fast user verifications, and provided seamless checkout processes.

Pros And Cons Best Simplex Alternatives In Europe for Crypto & Finance

Pros:

• Easy to use, supports cards and mobile payments, widely integrated with NFT platforms.
• Strong global coverage, supports local EU payment methods like SEPA, developer-friendly SDK.
• Smooth app and wallet integration, transparent fees, licensed in the EU.
• Offers crypto cards and wallet services, PCI DSS certified for security.
• Wide crypto support, instant swaps, strong EU regulatory compliance.
• Aggregator model ensures competitive rates, connects multiple providers in one API

Cons:

• Higher fees compared to some competitors, strict KYC requirements.
• Verification process can be slow, fees vary depending on region/payment method.
• Limited crypto selection compared to larger exchanges.
• Customer support sometimes reported as slow, limited fiat options.
• Relies on third-party providers, user experience can vary.
• No native wallet, mainly focused on fiat-to-crypto purchases.

Conclusion

To conclude, the best Simplex competitors in Europe have more flexibility when it comes to euro payments, SEPA, transparent fee structures, and regulatory compliance.

MoonPay, Transak, Ramp Network, and the like are all specialized in one or more user profiles, from the novice to Web3 platforms.

Picking the right alternative comes down to the available cryptocurrencies, how fast payments are, overall pricing transparency, and to some extent the geographical location.

FAQ