Sapthan Pay

Sapthan Pay guides

Plain-English guides to banking, payments and money across Europe.

What is open banking, and is it safe?

How open banking works in Europe under PSD2: what account information and payment initiation services are, who regulates them, and how your bank login stays private.

How to manage bank accounts in multiple European countries

Moved within the EU, or bank in more than one country? Practical tips on SEPA transfers, IBAN rights, fees, tax reporting and seeing all your accounts in one place.