Updated September 28, 2026 · SumCue Editorial Team
Airwallex vs bunq
Airwallex
Higher score in this comparison
bunq
Where Airwallex and bunq differ
| Compare | AirwallexReviewVisitVisit | bunqReviewVisitVisit |
|---|---|---|
| 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).
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
- Airwallex scores higher overall: 9.0 vs 8.8.
- Founded is lower at bunq: 2012 vs 2015.
- bunq 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, Chat.
- Support channels: only bunq offers Email.
- Features: only Airwallex offers Multi currency, Virtual card, Travel.
- Features: only bunq offers Crypto, Fractional shares, Mobile app.
- Audience: only Airwallex offers Business.
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
bunq fits expats and anyone living across Europe who wants a euro account that pays interest on everyday money and handles spending and investing in the same app. Savings pay 3.01% on an easy access balance held under EU DGS up to EUR 100,000, with interest credited weekly.
Score breakdown
| Area | Airwallex | bunq |
|---|---|---|
| Cost | 9.2A monthly fee of £0 leads the field, but the conversion fee of 0.5% sits well above Wise. | 9.5HigherThe plan carries a monthly fee of €0 and an annual fee of €0, with deposits starting from €10. |
| Offer | 9.4HigherCovers 20 currencies with a yield rate of 2.18% to 3.83% and help centre, phone and chat support. | 8.3 |
| Trust | 8.5 | 8.5 |
Pick Airwallex if, pick bunq if
Pick Airwallex if offer and currencies matter most.
Pick bunq if cost matter most.
Where these facts come from
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
- 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
How they place
| Ranking | Airwallex | bunq |
|---|---|---|
| Savings | 8 of 1492 | 10 of 1492 |
| Savings accounts | 5 of 658 | 7 of 658 |
| Credit and debit cards | 6 of 1594 | 9 of 1594 |
| Debit cards | 4 of 826 | 7 of 826 |
Every fact side by side
| Fact | Airwallex | bunq |
|---|---|---|
| Features | Multi currency, Virtual card, Travel | Crypto, Fractional shares, Mobile app |
| Audience | Business | Expats |
| Legal entity | Airwallex (Singapore) Pte. Ltd. | bunq B.V. |
| Headquarters | Singapore | Netherlands |
| Founded | 2015 | 2012Lower |
| Support channels | Help centre, Phone, Chat | Email, Help centre |
Savings
| Fact | Airwallex | bunq |
|---|---|---|
| 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 | Monthly |
| 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 |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| Card kind | Not confirmed | Credit |
Brokers
| Fact | Airwallex | bunq |
|---|---|---|
| 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 |
|---|---|---|
| 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 |
Where each stands against the rest
| Fact | Airwallex | bunq | 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
Pros
- Investing sits in the same app, with stocks, etfs and crypto and fractional shares among the plan features.
- The card runs on mastercard, and conversion costs 0.5% to 3% across 8 currencies.
- Regulated in the Netherlands by De Nederlandsche Bank, with savings under EU DGS up to EUR 100,000 and investments under EU ICS up to EUR 20,000.
Cons
- Support runs on email and help centre only.
- The rate is variable, so the 3.01% headline can move in either direction.
- Crypto trades cost 0.25% to 1.99%, with maker fees of 0.25% to 1.99%.
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
Who it suits
- Anyone banking across the euro area, since bunq is licensed in the Netherlands, Germany, France, Spain, Ireland, Italy and Belgium.
- People who want saving, spending and investing in one place, since crypto, fractional shares and mobile app all run through bunq app.
- Savers who want interest without being locked into a term, since the account is easy access.
Who should look elsewhere
- Linxea, where €25 is the starting premium on a life insurance product rather than a balance that pays interest.
- Oney Préstamos ES, where €1,000 is a borrowing amount to repay, not money you hold.
- Euroasia Insurance, where UZS 60,000 buys car cover, not euro banking.
Current offers
bunq
Current offer
First period offer
bunq Pro free for students: bunq Pro for EUR0/month while studying (normally EUR9.99/month)
Students only; Enjoy bunq Pro for free while you study
Source, checked September 26, 2026
Free trial
30-day free trial: 30 days free
Open your account in just 5 minutes and start your 30-day free trial today
Source, checked September 26, 2026
Country by country
| Country | Airwallex | bunq |
|---|---|---|
| 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
How much does a bunq account cost?+
The standard plan carries a monthly fee of €0 and an annual fee of €0, so the account itself is free to hold. What you pay depends on use: currency conversion on the card runs at 0.5% to 3%, and crypto trades are charged 0.25% to 1.99%. Everything is managed in bunq app.
How much interest does bunq pay on savings?+
The savings balance pays 3.01%, and the rate is variable, which means it can move rather than being locked in for a term. Interest is paid weekly into the account, and the account is easy access.
Other options to compare
Other matchups
- Airwallex vs Nexo
- bunq vs Binance P2P
- bunq vs ActivTrades
- bunq vs XTB
- Airwallex vs Finom
- Airwallex vs eToro
- Airwallex vs Linxea
- bunq vs Gemini
- bunq vs UNest
- Airwallex vs bunq Spain
- Airwallex vs bunq
- Airwallex vs Qonto_AT
- Airwallex vs Qonto
- bunq vs Mintos
- Airwallex vs iuvoSAVE
- Airwallex vs J&T Direktbank
- bunq vs Bitget (Trading Bots)
- Airwallex vs Kraken
- bunq vs Revolut