Updated September 28, 2026 · SumCue Editorial Team
bunq Spain vs Finom
bunq Spain
Higher score in this comparison
Finom
What sets them apart
| Compare | bunq SpainReviewVisitVisit | FinomReviewVisitVisit |
|---|---|---|
| Headline rate | 3.01% | 5%Higher |
| Rate type | Variable | Fixed |
| Minimum deposit | €10 | €0Lower |
| Access terms | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly | Instant access, withdraw at any time with no withdrawal penalties |
| Account kind | Easy access | Cash management |
| Regulators | De Nederlandsche Bank, SIPC | Not confirmed |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0).
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
- bunq Spain scores higher overall: 9.0 vs 8.9.
- Founded is lower at bunq Spain: 2012 vs 2019.
- bunq Spain is licensed in 5 more countries.
- Finom is available in 4 more countries.
- Minimum deposit is lower at Finom: €0 vs €10.
- Headline rate is higher at Finom: 5% vs 3.01%.
- Support channels: only Finom offers Community.
- Pricing model: only Finom offers Fixed rate.
Our verdict on each
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.
Finom
Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.
Score breakdown
| Area | bunq Spain | Finom |
|---|---|---|
| Cost | 8.8A monthly fee of €0 and an opening deposit of €10 mean there is no charge to sit on the balance. | 9.3HigherRunning costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. |
| Offer | 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. | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. |
| Trust | 9.2Higher | 8.2 |
How they place
| Ranking | bunq Spain | Finom |
|---|---|---|
| Savings | 9 of 1492 | 3 of 1492 |
| Credit and debit cards | 7 of 1594 | 2 of 1594 |
Where each is licensed and available
| Country | bunq Spain | Finom |
|---|---|---|
| Netherlands | De Nederlandsche Bank (DNB) R180074 | |
| Belgium | Not confirmed | |
| Cyprus | Not confirmed | |
| France | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Not confirmed | |
| Italy | Not confirmed | |
| Spain | Not confirmed |
Available in 7 countries for both. Additional countries for Finom: 4.
Cost in a real example
10,000 saved for 12 months
bunq Spain
€301
3.01% of 10,000 - 12 × €0
Finom
€500
5% of 10,000 - 12 × €0
Finom comes out €199 ahead.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where these facts come from
bunq Spain
- bunq.com: 7 facts, checked September 26, 2026
- help.bunq.com: 4 facts, checked September 26, 2026
- dnb.nl: 1 fact, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Finom
- finom.co: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | bunq Spain | Finom |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee, Fixed rateCovers more |
| Legal entity | bunq B.V. | PNL Fintech B.V. |
| Headquarters | Netherlands | Netherlands |
| Founded | 2012Lower | 2019 |
| Support channels | Email, Chat, Help centre | Email, Chat, Help centre, CommunityCovers more |
Brokers
| Fact | bunq Spain | Finom |
|---|---|---|
| Markets | Stocks, ETFs, Crypto | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Features | Multi currency, Crypto, Virtual card, Travel | Rewards |
| Audience | Student | Business |
| Currency conversion fee | 0.5% to 3% | Not confirmed |
| Platforms | Bunq app | Not confirmed |
Debit cards
| Fact | bunq Spain | Finom |
|---|---|---|
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
| Currencies | 8 | Not confirmed |
Credit cards
| Fact | bunq Spain | Finom |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Rewards type | Not confirmed | Cashback |
| Rewards rate | Not confirmed | up to 3% |
| Card kind | Credit | Not confirmed |
Crypto exchanges
| Fact | bunq Spain | Finom |
|---|---|---|
| Taker fee | 0.25% to 1.99% | Not confirmed |
| Coins listed | from 350 | Not confirmed |
| Maker fee | 0.25% to 1.99% | Not confirmed |
| Exchange type | Cex | Not confirmed |
Personal insurance
| Fact | bunq Spain | Finom |
|---|---|---|
| Premium from | €0 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Where each stands against the rest
| Fact | bunq Spain | Finom | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 5%above the median | 3.3% |
| Minimum deposit | €10above the median | €0below the median | €1 |
| Monthly fee | €0at the median | €0at the median | €0 |
Median across 710 listed providers.
Pros and cons
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.
Finom
Pros
- A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
- The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
- Instant access with no withdrawal penalties, so cash can move the same day it lands.
Cons
- Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
- The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
- Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.
Who each suits
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.
Finom
Who it suits
- Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
- Business owners who care more about fees than flexibility, since the monthly charge is €0.
- Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.
Who should look elsewhere
- Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
- Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
- Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.
Current offers
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
Country by country
| Country | bunq Spain | Finom |
|---|---|---|
| Austria | No | Yes |
| Cyprus | No | Yes |
| Poland | No | Yes |
| Portugal | No | Yes |
| Belgium | Yes | Yes |
| France | Yes | Yes |
| Germany | Yes | Yes |
| Ireland | Yes | Yes |
8 of 11 countries where either is available.
Questions about each
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.
Finom
What interest rate does Finom pay?+
Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.
Is there a monthly or annual fee?+
Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.
Other options to compare
Other matchups
- bunq Spain vs Airwallex
- bunq Spain vs Binance P2P
- Finom vs Afranga
- Finom vs Betterment
- Finom vs Wealthfront
- Finom vs Wise
- Finom vs Betterment Cash Reserve
- Finom vs Insignis Cash
- Finom vs TBC Bank Uzbekistan
- Finom vs Danske Bank DK
- Finom vs PUMB
- Finom vs SWK Bank
- bunq Spain vs ActivTrades
- bunq Spain vs XTB
- Finom vs eToro
- Finom vs Linxea
- Finom vs DKB
- bunq Spain vs Gemini
- bunq Spain vs UNest
- Finom vs bunq
- bunq Spain vs Qonto
- bunq Spain vs Mintos
- bunq Spain vs iuvoSAVE
- bunq Spain vs Bitget (Trading Bots)
- bunq Spain vs Kraken
- bunq Spain vs Revolut