Buy European

For any purchase made with a credit or debit cards and you give them 2-3% of your money.

I'm not sure I understand this. The stores would be the ones to pay this fee, no? Not you with your money. The price of some item doesn't change depending on whether you use cash or a debit or credit card. Not usually anyway, maybe a small local shop has done this to me once or twice in my life. Or maybe a fair stand or something.

If we wanted to stop giving Mastercard and Visa "our" money, we would have to all band together as a world community and boycott them. 😬

Please someone correct me if I'm wrong!

Edit: I mean, yes, of course the price of those small transactions are included in the price of the item. So we are all "paying" Mastercard and Visa money, even those who aren't using them. Which is still to my point that we need to all band together as a world community to boycott them, which seems futile in all honesty.

Here in Portugal we have MB Way which is handled on a separate network. I understand that it might interoperate with Bancomat (Italy) and Bizum (Spain) also just since November, but I haven't tried yet. Almost everybody in Portugal (except non-integrating expats) seem to use it, though there are spots here and there that refuse for reasons that are unclear to me.

Contact the ECB and demand a digital Euro

I'd like to know if something works for all of EU. Because that's the only reason for me to have Visa.
Everything in my own country can be handled with "Dankort" our national universally accepted debit card. We also have local Mobile pay which is also pretty universal here.

But those don't work for purchases outside Denmark.

What about just old school cash?

Use the Carte Bancaire network in France,we have that at least.

Just use cash.

I get that it can be a hassle to carry around, but it's the only "real" alternative if you want to keep third party companies from profiling you based on your spending habits and selling that personal info to advertisers.

I don't know, ~~but from a cursory search Revolut looks like a credit/debit card option based in the UK?~~ I'm not personally familiar.

I also thought Re:Member would be an option, but that seems to be Mastercard with a mustache and sunglasses.

If you don’t need a credit card, don’t get one.

If you have one, cancel it and use a bank card. If you can’t do that, pay off your debts then do that.

A lot of people suck with money because the idea of going into debt, taking loans, and paying interest is normal and sometimes good to them but really It’s weird and should be avoided for the sake of harmony.

Debit card maybe?