Updated September 29, 2026 · SumCue Editorial Team
ActivTrades vs bunq Spain
ActivTrades
Higher score in this comparison
bunq Spain
What sets them apart
| Compare | ActivTradesReviewVisitVisit | bunq SpainReviewVisitVisit |
|---|---|---|
| Minimum deposit | $0 | €10 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, BondsCovers more | Stocks, ETFs, Crypto |
| Regulators | FCA, SCB, CMVM, FSC, BACEN | De Nederlandsche Bank, SIPC |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Currency conversion fee | 0.5% | 0.5% to 3% |
| Platforms | ActivTrader, MetaTrader 4, MetaTrader 5, TradingView | Bunq app |
| Stock trade fee | $0 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Retail accounts that lose money | 84% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Interest on cash | 3.3% | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- ActivTrades scores higher overall: 9.4 vs 9.0.
- Regulators: only ActivTrades offers FCA, SCB, CMVM.
- Regulators: only bunq Spain offers De Nederlandsche Bank, SIPC.
- bunq Spain is available in 4 more countries.
- Markets: only ActivTrades offers Forex, CFDs, Bonds.
- Platforms: only ActivTrades offers ActivTrader, MetaTrader 4, MetaTrader 5.
- Platforms: only bunq Spain offers Bunq app.
- Features: only ActivTrades offers Demo account, Fractional shares, Mobile app.
- Features: only bunq Spain offers Multi currency, Virtual card, Travel.
- Pricing model: only ActivTrades offers Commission free.
Our verdict on each
ActivTrades
ActivTrades suits active traders seeking broad market access with commission free share dealing alongside forex, CFDs and bonds in a single account. Minimum deposit sits at $0 with stock trade fees at $0 and cover through FSCS up to GBP 85,000, while retail loss share stands at 84%.
bunq Spain
bunq Spain is an app-led easy-access saver for people who want savings, card and markets in a single app, with no monthly charge and a variable rate of 3.01%. It suits students and multi-currency spenders, and less suited to anyone shopping only on the highest advertised rate.
Score breakdown
| Area | ActivTrades | bunq Spain |
|---|---|---|
| Cost | 9.3HigherAccount upkeep stays light with charges at $0 for everyday holders. | 8.8A monthly fee of €0 and an opening deposit of €10 mean there is no charge to sit on the balance. |
| Offer | 9.6HigherChoice spans asset classes listed as stocks, ETFs and forex for varied strategies. | 9.1A variable 3.01% on easy-access money, plus multi currency, crypto and virtual card covering crypto, cards and travel in the same app. |
| Trust | 9.5HigherOversight spans regulators shown as FCA, SCB and CMVM for added assurance. | 9.2 |
Feature by feature
| Markets | ActivTrades | bunq Spain |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| CFDs | Yes | No |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
How they place
| Ranking | ActivTrades | bunq Spain |
|---|---|---|
| Savings | 1 of 1492 | 9 of 1492 |
| Savings accounts | 1 of 658 | 6 of 658 |
| Investing | 2 of 654 | 11 of 654 |
| Stock and ETF brokers | 1 of 358 | 7 of 358 |
| Crypto | 1 of 428 | 6 of 428 |
Every fact side by side
| Fact | ActivTrades | bunq Spain |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Mobile app | Multi currency, Crypto, Virtual card, Travel |
| Pricing model | Commission free | No monthly fee |
| Audience | Not confirmed | Student |
| Legal entity | Not confirmed | bunq B.V. |
| Headquarters | Not confirmed | Netherlands |
| Founded | Not confirmed | 2012 |
| Support channels | Not confirmed | Email, Chat, Help centre |
Crypto exchanges
| Fact | ActivTrades | bunq Spain |
|---|---|---|
| Taker fee | 0%Lower | 0.25% to 1.99% |
| Coins listed | 10 | from 350 |
| Fiat deposit methods | Card, Bank | Not confirmed |
| Maker fee | 0%Lower | 0.25% to 1.99% |
| Withdrawal fee | Free | Not confirmed |
| Derivatives | Yes | Not confirmed |
| Exchange type | Cex | Cex |
Savings
| Fact | ActivTrades | bunq Spain |
|---|---|---|
| Headline rate | 3.3%Higher | 3.01% |
| Rate type | Variable | Variable |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Funds stay in the account and are free to trade at any time; interest on free margin is paid monthly | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly |
| Monthly fee | Not confirmed | €0 |
| Account kind | Easy access | Easy access |
Debit cards
| Fact | ActivTrades | bunq Spain |
|---|---|---|
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Mastercard |
| Currencies | Not confirmed | 8 |
Credit cards
| Fact | ActivTrades | bunq Spain |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| Card kind | Not confirmed | Credit |
Personal insurance
| Fact | ActivTrades | bunq Spain |
|---|---|---|
| Premium from | Not confirmed | €0 |
| Monthly payments | Not confirmed | Yes |
Where each stands against the rest
| Fact | ActivTrades | bunq Spain | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Account fee | $0at the median | Not confirmed | $0 |
| Retail accounts that lose money | 84%highest quarter | Not confirmed | 72.21% |
| Currency conversion fee | 0.5%above the median | 0.5% to 3%above the median | 0.4% |
| Interest on cash | 3.3%above the median | Not confirmed | 2.875% |
Median across 94 listed providers.
Pros and cons
ActivTrades
Pros
- Share dealing costs nothing with fees at $0, unlike DKB with fees of €10.
- Entry stays accessible with minimum deposit at $0 alongside funding via card and bank.
- Crypto derivatives are available with taker pricing at 0% for cost aware traders.
Cons
- Coin choice stays narrow at 10 for traders seeking wide crypto coverage.
- Currency conversion applies at 0.5% which adds cost for cross currency activity.
- Retail loss share stands elevated at 84%, highlighting CFD risk.
bunq Spain
Pros
- A monthly fee of €0 and an annual fee of €0, so an easy-access balance can stay open without a charge.
- multi currency, crypto and virtual card puts multi-currency, crypto, a virtual card and travel features in the same app as the savings balance.
- Deposits sit under EU DGS up to EUR 100,000 and the Spanish account is supervised by Banco de España.
Cons
- The variable 3.01% sits below Starling Personal Account Debit Card at 4%, so the rate is not the reason to open it.
- Support runs on email, chat and help centre only, with no phone line, while 74.4% covers a large share of the savings market.
- The opening deposit of €10 sits above the €0.88 median minimum across savings accounts, which puts a floor under the first transfer.
Who each suits
ActivTrades
Who it suits
- Traders seeking commission free stocks with fees at $0 and varied venues at ActivTrader, MetaTrader 4 and MetaTrader 5.
- Investors comfortable with forex and CFD exposure across assets at stocks, ETFs and forex.
- Savers holding trading cash who value interest at 3.3% with easy access.
Who should look elsewhere
- Traders seeking bank bundled saving plus investing may consider DKB, which structures share dealing around €10.
- Investors seeking social portfolios and guided themes may consider eToro, where entry starts at $50.
bunq Spain
Who it suits
- Students and younger savers: student points at student accounts, and an app-led model suits building a balance as a habit.
- Savers who want spending and saving in one place: stocks, etfs and crypto covers stocks, ETFs and crypto, with multi currency, crypto and virtual card adding cards and travel perks.
- Households that spend across currencies, with 8 currencies supported and a conversion fee of 0.5% to 3%.
Who should look elsewhere
- Savers chasing the highest easy-access rate: Starling Personal Account Debit Card pays 4% against 3.01% here.
- Readers tempted by a far bigger advertised figure: Finteres quotes 0% to 36%, a much wider spread to shop around in.
- Anyone who wants a phone line rather than app support, since email, chat and help centre covers the help centre, email and chat only.
Country by country
| Country | ActivTrades | bunq Spain |
|---|---|---|
| Argentina | Yes | No |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Spain | No | Yes |
| United Kingdom | Yes | No |
8 of 9 countries where either is available.
Questions about each
ActivTrades
What does ActivTrades charge for investing?+
Stock dealing carries fees of $0 with account upkeep at $0. Deposits and withdrawals are described as Free deposits and withdrawals. Currency conversion applies at 0.5%, so cross currency moves need care when sizing orders and planning holding periods.
How is money protected at ActivTrades?+
Investor protection is stated as FSCS up to GBP 85,000 with deposit protection described as FSCS up to GBP 85,000. Oversight comes from regulators listed as FCA, SCB and CMVM. Such cover has limits and conditions, so readers should check eligibility for their entity before funding.
bunq Spain
Is the interest rate fixed, or can it change?+
The rate is variable, so it can move with the provider rather than being locked to a term. It currently reads 3.01%, a shade above the 3% median across savings accounts. Anyone planning around a guaranteed figure for a set period should look elsewhere, because this account trades that certainty for easy access.
Is my money protected if the provider fails?+
Deposits sit under EU DGS up to EUR 100,000, and the Spanish operation is supervised by Banco de España. Read the figure as a ceiling rather than a target: any balance held above the stated amount has no cover from the scheme. Holding a workable amount elsewhere covers the rest without changing how this account works.
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