Updated October 18, 2026 · SumCue Editorial Team
Binance P2P vs bunq Spain
Binance P2P
Higher score in this comparison
bunq Spain
Binance P2P vs bunq Spain: the differences
| Compare | Binance P2PReviewVisitVisit | bunq SpainReviewVisitVisit |
|---|---|---|
| Taker fee | 0.1%Lower | 0.25% to 1.99% |
| Coins listed | 490 | from 350 |
| Regulators | Autorite des marches financiers (AMF), Commissione Nazionale per le Societa e la Borsa (CONSOB), Banco de Espana, Australian Securities and Investments Commission (ASIC), Thailand Ministry of Finance | De Nederlandsche Bank, SIPC |
| Maker fee | 0.1%Lower | 0.25% to 1.99% |
| Proof of reserves | Yes | Not confirmed |
| Derivatives | Yes | Not confirmed |
Same on both: Exchange type (Cex).
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Key differences
- Binance P2P scores higher overall: 9.3 vs 9.0.
- Regulators: only Binance P2P offers Autorite des marches financiers (AMF), Commissione Nazionale per le Societa e la Borsa (CONSOB), Banco de Espana.
- Regulators: only bunq Spain offers De Nederlandsche Bank, SIPC.
- Founded is lower at bunq Spain: 2012 vs 2017.
- bunq Spain is licensed in 2 more countries.
- Taker fee is lower at Binance P2P: 0.1% vs 0.25% to 1.99%.
- Maker fee is lower at Binance P2P: 0.1% vs 0.25% to 1.99%.
- Features: only Binance P2P offers Staking.
- Features: only bunq Spain offers Multi currency, Crypto, Virtual card.
Our verdict on each
Binance P2P
Binance P2P suits traders who want a wide coin list at a low taker fee and will hold a custodial wallet. Fees of 0.1% sit under the 0.25% site median, though proof of reserves and a spread of regulators leave some account holders uneasy.
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 | Binance P2P | bunq Spain |
|---|---|---|
| Cost | 9.0HigherTaker and maker fees both sit at 0.1% and 0.1%, below the 0.25% site median. | 8.8A monthly fee of €0 and an opening deposit of €10 mean there is no charge to sit on the balance. |
| Offer | 9.5HigherLists 490 coins, adds derivatives and staking, and publishes proof of reserves. | 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 | 9.4Higher | 9.2 |
Availability and regulation
| Country | Binance P2P | bunq Spain |
|---|---|---|
| France | ||
| Italy | ||
| Spain | ||
| Australia | Not confirmed | |
| Belgium | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Not confirmed | |
| Netherlands | Not confirmed |
How they place
| Ranking | Binance P2P | bunq Spain |
|---|---|---|
| Crypto | 15 of 428 | 6 of 428 |
| Crypto exchanges | 13 of 330 | 4 of 330 |
The bill, worked out
Buy 1,000 of crypto and sell it again
Binance P2P
2
0.1% of 2,000
bunq Spain
5 to 39.8
0.25% to 1.99% of 2,000
Binance P2P comes out 3 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Also worth a look
ActivTrades has taker fee at 0%, against 0.1% for Binance P2P and 0.25% to 1.99% for bunq Spain.
ActivTrades reviewWhat we checked
Binance P2P
- coingecko.com: 4 facts, checked September 26, 2026
- coinmarketcap.com: 3 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- play.google.com: 2 facts, checked September 26, 2026
- defillama.com: 1 fact, checked September 26, 2026
bunq Spain
- bunq.com: 5 facts, checked September 26, 2026
- help.bunq.com: 4 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Binance P2P | bunq Spain |
|---|---|---|
| Features | Staking | Multi currency, Crypto, Virtual card, Travel |
| Legal entity | Binance Holdings Ltd. | bunq B.V. |
| Headquarters | United Arab Emirates | Netherlands |
| Founded | 2017 | 2012Lower |
| Support channels | Email, Chat, Help centre | Email, Chat, Help centre |
Crypto wallets
| Fact | Binance P2P | bunq Spain |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Custody | Custodial | Not confirmed |
| Coins supported | 490 | Not confirmed |
Brokers
| Fact | Binance P2P | bunq Spain |
|---|---|---|
| Minimum deposit | Not confirmed | €10 |
| Markets | Not confirmed | Stocks, ETFs, Crypto |
| Investor protection | Not confirmed | EU ICS up to EUR 20,000 |
| Pricing model | Not confirmed | No monthly fee |
| Audience | Not confirmed | Student |
| Currency conversion fee | Not confirmed | 0.5% to 3% |
| Platforms | Not confirmed | Bunq app |
Debit cards
| Fact | Binance P2P | bunq Spain |
|---|---|---|
| Monthly fee | Not confirmed | €0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Mastercard |
| Currencies | Not confirmed | 8 |
Credit cards
| Fact | Binance P2P | bunq Spain |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| Card kind | Not confirmed | Credit |
Personal insurance
| Fact | Binance P2P | bunq Spain |
|---|---|---|
| Premium from | Not confirmed | €0 |
| Monthly payments | Not confirmed | Yes |
Where each stands against the rest
| Fact | Binance P2P | bunq Spain | Median |
|---|---|---|---|
| Taker fee | 0.1%below the median | 0.25% to 1.99%above the median | 0.15% |
| Coins listed | 490highest quarter | from 350above the median | 89.5 |
| Maker fee | 0.1%at the median | 0.25% to 1.99%highest quarter | 0.1% |
Median across 222 listed providers.
Pros and cons
Binance P2P
Pros
- Taker and maker fees of 0.1% and 0.1% sit below the 0.25% site median
- Lists 490 coins, ahead of the 71.5 site median
- Derivatives and staking are available on a custodial mobile wallet
Cons
- Custody is custodial, so assets sit with the exchange rather than in your own keys
- Support runs on email, chat and help centre only, and a phone line is not among its support channels
- Regulators cover Autorite des marches financiers (AMF), Commissione Nazionale per le Societa e la Borsa (CONSOB) and Banco de Espana, so UK holders are not covered by a listed licence
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
Binance P2P
Who it suits
- Traders buying and selling frequently who care about taker fees
- Anyone who wants a long coin list in one custodial app
- Mobile first users who want chat support alongside a help centre
Who should look elsewhere
- Anyone who wants to hold their own keys, since custody is custodial
- eToro users after a broader retail platform for equities alongside crypto
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 | Binance P2P | bunq Spain |
|---|---|---|
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Spain | No | Yes |
Questions about each
Binance P2P
What are the trading fees at Binance P2P?+
Taker fees are 0.1% and maker fees are 0.1%, charged on the standard exchange account. The site median taker fee is 0.25%, so costs sit at the lower end of the range. No account fee is listed.
Which regulators licence Binance P2P?+
The exchange lists Autorite des marches financiers (AMF), Commissione Nazionale per le Societa e la Borsa (CONSOB) and Banco de Espana among its regulators. Those registrations cover France, Italy, Spain, Australia and Thailand, so users in other markets should check their local position. Licence coverage is therefore partial.
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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