Updated October 18, 2026 · SumCue Editorial Team
Binance P2P vs bunq
Binance P2P
Higher score in this comparison
bunq
Where Binance P2P and bunq differ
| Compare | Binance P2PReviewVisitVisit | bunqReviewVisitVisit |
|---|---|---|
| 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 8.8.
- 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 offers De Nederlandsche Bank, SIPC.
- Founded is lower at bunq: 2012 vs 2017.
- bunq 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%.
- Support channels: only Binance P2P offers Chat.
- Features: only Binance P2P offers Staking.
- Features: only bunq offers Crypto, Fractional shares, Mobile app.
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
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 | Binance P2P | bunq |
|---|---|---|
| Cost | 9.0Taker and maker fees both sit at 0.1% and 0.1%, below the 0.25% site median. | 9.5HigherThe plan carries a monthly fee of €0 and an annual fee of €0, with deposits starting from €10. |
| Offer | 9.5HigherLists 490 coins, adds derivatives and staking, and publishes proof of reserves. | 8.3 |
| Trust | 9.4Higher | 8.5 |
Availability and regulation
| Country | Binance P2P | bunq |
|---|---|---|
| France | Banque de France SIREN 893970970 | |
| Italy | Banca d'Italia MI - 2628476 | |
| Spain | Banco de Espana W0086933I | |
| Australia | Not confirmed | |
| Belgium | Not confirmed | Nationale Bank van Belgie / Banque Nationale de Belgique (NBB) BE 0769.451.708 |
| Germany | Not confirmed | |
| Ireland | Not confirmed | Central Bank of Ireland 909737 |
| Netherlands | Not confirmed |
What 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
- 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
How they place
| Ranking | Binance P2P | bunq |
|---|---|---|
| Crypto | 15 of 428 | 7 of 428 |
| Crypto exchanges | 13 of 330 | 5 of 330 |
Every fact side by side
| Fact | Binance P2P | bunq |
|---|---|---|
| Features | Staking | Crypto, Fractional shares, Mobile app |
| Legal entity | Binance Holdings Ltd. | bunq B.V. |
| Headquarters | United Arab Emirates | Netherlands |
| Founded | 2017 | 2012Lower |
| Support channels | Email, Chat, Help centreCovers more | Email, Help centre |
Crypto wallets
| Fact | Binance P2P | bunq |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Custody | Custodial | Not confirmed |
| Coins supported | 490 | Not confirmed |
Brokers
| Fact | Binance P2P | bunq |
|---|---|---|
| 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 | Monthly |
| Audience | Not confirmed | Expats |
| Currency conversion fee | Not confirmed | 0.5% to 3% |
| Platforms | Not confirmed | Bunq app |
Savings
| Fact | Binance P2P | bunq |
|---|---|---|
| Headline rate | Not confirmed | 3.01% |
| Rate type | Not confirmed | Variable |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | 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 | Not confirmed | Easy access |
Debit cards
| Fact | Binance P2P | bunq |
|---|---|---|
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Mastercard |
| Currencies | Not confirmed | 8 |
Credit cards
| Fact | Binance P2P | bunq |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| Card kind | Not confirmed | Credit |
Where each stands against the rest
| Fact | Binance P2P | bunq | 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
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
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
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 | Binance P2P | bunq |
|---|---|---|
| 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
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.