欧洲用 SEPA/IBAN 分账（2026）

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。