Updated September 28, 2026 · SumCue Editorial Team
Airwallex vs bunq Spain
Airwallex
Higher score in this comparison
bunq Spain
Where Airwallex and bunq Spain differ
| Compare | AirwallexReviewVisitVisit | bunq SpainReviewVisitVisit |
|---|---|---|
| Monthly fee | £0 | €0 |
| Currency conversion fee | 0.5% | 0.5% to 3% |
| Card network | Visa | Mastercard |
| Currencies | 20Higher | 8 |
| Cashback rate | 2% | Not confirmed |
Same on both: Card type (Debit).
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Key differences
- Founded is lower at bunq Spain: 2012 vs 2015.
- bunq Spain is licensed in 5 more countries.
- Airwallex is available in 10 more countries.
- Currencies is higher at Airwallex: 20 vs 8.
- Support channels: only Airwallex offers Phone.
- Support channels: only bunq Spain offers Email.
- Features: only bunq Spain offers Crypto.
- Audience: only Airwallex offers Business.
- Audience: only bunq Spain offers Student.
Our verdict on each
Airwallex
Airwallex suits businesses that collect and pay in several currencies and want a card on the same balance. The account is a easy access one with a monthly fee of £0, and spare cash earns 2.18% to 3.83% while a debit card handles day to day spend.
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 | Airwallex | bunq Spain |
|---|---|---|
| Cost | 9.2HigherA monthly fee of £0 leads the field, but the conversion fee of 0.5% sits well above Wise. | 8.8A monthly fee of €0 and an opening deposit of €10 mean there is no charge to sit on the balance. |
| Offer | 9.4HigherCovers 20 currencies with a yield rate of 2.18% to 3.83% and help centre, phone and chat support. | 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 | 8.5 | 9.2Higher |
Where they rank in our lists
| Ranking | Airwallex | bunq Spain |
|---|---|---|
| Savings | 8 of 1492 | 9 of 1492 |
| Savings accounts | 5 of 658 | 6 of 658 |
| Credit and debit cards | 6 of 1594 | 7 of 1594 |
| Debit cards | 4 of 826 | 5 of 826 |
Which one suits you
Pick Airwallex if cost, offer, and currencies matter most.
Pick bunq Spain if trust matter most.
Also worth a look
Nexo has currencies at 100, against 20 for Airwallex and 8 for bunq Spain.
Nexo reviewWhat we checked
Airwallex
- airwallex.com: 7 facts, checked September 26, 2026
- play.google.com: 2 facts, checked September 26, 2026
- recordowl.com: 1 fact, checked September 26, 2026
- sgpbusiness.com: 1 fact, checked September 26, 2026
- transferfees.io: 1 fact, checked September 26, 2026
bunq Spain
- bunq.com: 9 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- help.bunq.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Airwallex | bunq Spain |
|---|---|---|
| Features | Multi currency, Virtual card, Travel | Multi currency, Crypto, Virtual card, TravelCovers more |
| Audience | Business | Student |
| Legal entity | Airwallex (Singapore) Pte. Ltd. | bunq B.V. |
| Headquarters | Singapore | Netherlands |
| Founded | 2015 | 2012Lower |
| Support channels | Help centre, Phone, Chat | Email, Chat, Help centre |
Savings
| Fact | Airwallex | bunq Spain |
|---|---|---|
| Headline rate | 2.18% to 3.83%Higher | 3.01% |
| Rate type | Variable | Variable |
| Minimum deposit | HK$0 | €10 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Pricing model | Not confirmed | No monthly fee |
| Access terms | Airwallex Yield: no lock-up, no minimum balance, daily returns, funds settle to and from Yield balances within 2 business days | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly |
| Account kind | Easy access | Easy access |
| Regulators | Not confirmed | De Nederlandsche Bank, SIPC |
Credit cards
| Fact | Airwallex | bunq Spain |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| Card kind | Not confirmed | Credit |
Brokers
| Fact | Airwallex | bunq Spain |
|---|---|---|
| Markets | Not confirmed | Stocks, ETFs, Crypto |
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
| Platforms | Not confirmed | Bunq app |
Crypto exchanges
| Fact | Airwallex | bunq Spain |
|---|---|---|
| Taker fee | Not confirmed | 0.25% to 1.99% |
| Coins listed | Not confirmed | from 350 |
| Maker fee | Not confirmed | 0.25% to 1.99% |
| Exchange type | Not confirmed | Cex |
Personal insurance
| Fact | Airwallex | bunq Spain |
|---|---|---|
| Premium from | Not confirmed | €0 |
| Monthly payments | Not confirmed | Yes |
Where each stands against the rest
| Fact | Airwallex | bunq Spain | Median |
|---|---|---|---|
| Currency conversion fee | 0.5%below the median | 0.5% to 3%below the median | 1% |
| Cashback rate | 2%at the median | Not confirmed | 2% |
| Currencies | 20above the median | 8at the median | 8 |
Median across 336 listed providers.
Pros and cons
Airwallex
Pros
- A monthly fee of £0 on the business account, with a conversion fee of 0.5% on currency changes.
- The yield balance is easy access, takes a minimum deposit of HKD 0 and pays 2.18% to 3.83% on a variable rate.
- A debit card on the visa network, plus virtual cards, with access to 20 currencies.
Cons
- The conversion fee of 0.5% is well above Wise at 0.1%, which puts Airwallex at 116 of 258 on that measure.
- The account is for business users, so personal savers have no product to open.
- Money settles to and from the yield balance within a short settlement window, which can hold up a same-day supplier payment.
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
Airwallex
Who it suits
- Companies paid in several currencies, since the account holds 20.
- Firms that want a debit card and virtual cards for staff spending and subscriptions.
- Businesses parking spare cash in a easy access yield balance paying 2.18% to 3.83%.
Who should look elsewhere
- Anyone whose main spend is currency conversion, because Wise charges 0.1% against 0.5% here.
- Personal savers, since the account is for business use and bunq offers a personal plan at €0 a month.
- Borrowers rather than spenders, since Varo Believe Secured Credit Card is a credit card with a monthly fee of $0.
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 | Airwallex | bunq Spain |
|---|---|---|
| Australia | Yes | No |
| Belgium | No | Yes |
| Canada | Yes | No |
| China | Yes | No |
| Hong Kong | Yes | No |
| Ireland | No | Yes |
| Israel | Yes | No |
| Italy | No | Yes |
8 of 20 countries where either is available.
Questions about each
Airwallex
What does it cost to keep an Airwallex account?+
The business account carries a monthly fee of £0. Converting money costs 0.5%, which is the main charge to watch, and card spending earns cashback of 2%. The yield balance takes a minimum deposit of HKD 0.
Is my money protected?+
Deposit protection is FSCS up to GBP 85,000. The group also appears on the registers of the Monetary Authority of Singapore and De Nederlandsche Bank, and the legal entity named in the records is Airwallex (Singapore) Pte. Ltd..
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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