Head-to-head · 2026

Capi vs Melio

Capi is a European alternative to Melio — same payments & finance use case, built under EU data-protection law.

By the EU Alternatives team Last updated

European alternative
Capi
United Kingdom

Fast, reliable foreign currency payments in 30+ currencies for importers. 24-hour settlements, competitive rates, real-time tracking with enterprise security.

Jurisdiction
EU / EEA
GDPR by default
Yes
US CLOUD Act exposure
No
Open source
No
Free tier
No
See full Capi profile
Non-EU
Melio logo
Melio
Melio · US

A curated collection of the best European alternatives to Melio.

Jurisdiction
US
GDPR by default
Requires DPA + TIA
US CLOUD Act exposure
Yes
All European alternatives to Melio

Why choose Capi over Melio?

The decisive argument is data jurisdiction. Melio is headquartered in US, which means personal data processed through it can be subject to non-EU legal regimes — the US CLOUD Act, FISA 702, or similar laws depending on the provider. After the 2020 Schrems II ruling, EU organisations must carry out a transfer impact assessment for every such data flow.

Capi removes that overhead. As a United Kingdom-based provider, it operates natively under GDPR, and data stays inside the EU/EEA by default. For regulated sectors — health, public administration, finance — that's not a nice-to-have but a requirement. For everyone else, it's concentration-risk insurance: you avoid depending on a single non-EU jurisdiction that can change the rules without warning.

Frequently asked questions

Is Capi a good alternative to Melio?
Yes — Capi is one of the top-ranked European alternatives to Melio in our directory, covering the same payments & finance use case. It is headquartered in United Kingdom, keeping your data under EU law by default.
What's the main difference between Capi and Melio?
The biggest difference is jurisdiction: Capi is based in United Kingdom and operates under GDPR and EU data-protection law, while Melio is headquartered in US and may transfer data outside the EU. For regulated industries or organisations following Schrems II guidance, this difference is decisive.
Is Capi GDPR-compliant?
Capi is a European company based in United Kingdom, so GDPR compliance is the default operating model — not a bolt-on. No transfer impact assessment is required for EU customers, unlike when using Melio.
How do I migrate from Melio to Capi?
Start by exporting your data from Melio (most providers offer an export in their settings). Then import into Capi using its native import tool or migration guide. Running both in parallel for a week catches any feature or workflow gaps before you fully switch.

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