Updated September 29, 2026 · SumCue Editorial Team
bunq Spain vs Gemini
bunq Spain
Higher score in this comparison
Gemini
Where bunq Spain and Gemini differ
| Compare | bunq SpainReviewVisitVisit | GeminiReviewVisitVisit |
|---|---|---|
| Taker fee | 0.25% to 1.99%Lower | 0.8% |
| Coins listed | from 350 | 76 |
| Regulators | De Nederlandsche Bank, SIPC | NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA) |
| Maker fee | 0.25% to 1.99%Lower | 0.4% |
| Fiat deposit methods | Not confirmed | Card, Bank, ACH |
| Proof of reserves | Not confirmed | Yes |
| Withdrawal fee | Not confirmed | Crypto withdrawal fees are dynamic and correspond to current network/gas fees; USD wire transfer out $252; Custody to Exchange crypto withdrawal $125 |
| Derivatives | Not confirmed | Yes |
Same on both: Exchange type (Cex).
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Key differences
- Regulators: only bunq Spain offers De Nederlandsche Bank, SIPC.
- Regulators: only Gemini offers NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA).
- Founded is lower at bunq Spain: 2012 vs 2014.
- bunq Spain is licensed in 5 more countries.
- Gemini is available in 58 more countries.
- Taker fee is lower at bunq Spain: 0.25% to 1.99% vs 0.8%.
- Maker fee is lower at bunq Spain: 0.25% to 1.99% vs 0.4%.
- Support channels: only bunq Spain offers Chat.
- Support channels: only Gemini offers Community.
- Features: only bunq Spain offers Multi currency, Crypto, Virtual card.
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.
Gemini
Gemini suits traders who want a regulated exchange and a self-custody wallet in the same product, and who want to check a licence rather than take a promise. It lists 76 coins and offers derivatives, and the European business, Gemini Intergalactic EU Ltd, is based in Malta.
Score breakdown
| Area | bunq Spain | Gemini |
|---|---|---|
| Cost | 8.8HigherA monthly fee of €0 and an opening deposit of €10 mean there is no charge to sit on the balance. | 8.3Taker fee of 0.8% and maker fee of 0.4% both sit above the typical rate of 0.25% here. |
| 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. | 9.3HigherProof of reserves is published, derivatives are offered, and the feature set covers custodial, self custody and staking. |
| Trust | 9.2 | 9.3Higher |
Positions in our rankings
| Ranking | bunq Spain | Gemini |
|---|---|---|
| Crypto | 6 of 428 | 4 of 428 |
| Crypto exchanges | 4 of 330 | 2 of 330 |
Availability and regulation
| Country | bunq Spain | Gemini |
|---|---|---|
| Belgium | Not confirmed | |
| France | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Not confirmed | |
| Italy | Not confirmed | |
| Malta | Not confirmed | Malta Financial Services Authority (MFSA) MiCA CASP 2138002QAMX8PPKSO715 |
| Netherlands | Not confirmed | |
| Spain | Not confirmed |
Available in 7 countries for both. Additional countries for Gemini: 58.
Every fact side by side
| Fact | bunq Spain | Gemini |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, Travel | Custodial, Self custody, Staking |
| Legal entity | bunq B.V. | Gemini Intergalactic EU Ltd |
| Headquarters | Netherlands | Malta |
| Founded | 2012Lower | 2014 |
| Support channels | Email, Chat, Help centre | Email, Help centre, Community |
Brokers
| Fact | bunq Spain | Gemini |
|---|---|---|
| Minimum deposit | €10 | Not confirmed |
| Markets | Stocks, ETFs, Crypto | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Pricing model | No monthly fee | Not confirmed |
| Audience | Student | Not confirmed |
| Currency conversion fee | 0.5% to 3% | Not confirmed |
| Platforms | Bunq app | Not confirmed |
Debit cards
| Fact | bunq Spain | Gemini |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
| Currencies | 8 | Not confirmed |
| Custody | Not confirmed | Self custody |
Credit cards
| Fact | bunq Spain | Gemini |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Card kind | Credit | Not confirmed |
Personal insurance
| Fact | bunq Spain | Gemini |
|---|---|---|
| Premium from | €0 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Crypto wallets
| Fact | bunq Spain | Gemini |
|---|---|---|
| Wallet type | Not confirmed | Browser |
| Price | Not confirmed | $0 |
| Coins supported | Not confirmed | 76 |
| Secure element | Not confirmed | No secure element; passkey-based smart wallet signing on-device |
Where each stands against the rest
| Fact | bunq Spain | Gemini | Median |
|---|---|---|---|
| Taker fee | 0.25% to 1.99%above the median | 0.8%highest quarter | 0.15 |
| Coins listed | from 350above the median | 76below the median | 89.5 |
| Maker fee | 0.25% to 1.99%highest quarter | 0.4%highest quarter | 0.1 |
Median across 222 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.
Gemini
Pros
- Regulated on both sides of the Atlantic through NMLS (US state money transmitter licensing) and Malta Financial Services Authority (MFSA), so the licence can be checked rather than taken on trust
- Fiat deposits run by card, bank and ach, and the self-custody wallet itself costs $0
- Founded in 2014, with the exchange listing 76 coins and the wallet supporting 76
Cons
- On the ActiveTrader schedule, the taker fee of 0.8% and maker fee of 0.4% both sit above the typical rate of 0.25% here
- Support runs on email, help centre and community, with no phone line listed
- The wallet is browser based with no secure element, so it relies on passkey signing on-device
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.
Gemini
Who it suits
- US traders who want state money transmitter licensing alongside a European regulator, both named in NMLS (US state money transmitter licensing) and Malta Financial Services Authority (MFSA)
- European customers who want a home market entity: Gemini Intergalactic EU Ltd is based in Malta
- People who want to hold their own keys, since custody is self custody
Who should look elsewhere
- Cost-first traders, since the typical taker fee here is 0.25% and bunq runs 0.25% to 1.99%
- eToro and Vivid Plus customers, whose listed charges are 1% and 2.25%, when a licensed exchange listing 76 coins matters more
Country by country
| Country | bunq Spain | Gemini |
|---|---|---|
| Argentina | No | Yes |
| Australia | No | Yes |
| Austria | No | Yes |
| Bahamas | No | Yes |
| Bermuda | No | Yes |
| Bhutan | No | Yes |
| Brazil | No | Yes |
| Bulgaria | No | Yes |
8 of 65 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.
Gemini
How much does it cost to trade on Gemini?+
Trading runs on the ActiveTrader schedule, with a taker fee of 0.8% and a maker fee of 0.4%. Makers pay less than takers, so the cheaper side of the book is the one that adds to the order. The account itself costs $0, which keeps the charge in the trade.
Is Gemini regulated?+
Gemini is listed under NMLS (US state money transmitter licensing) and Malta Financial Services Authority (MFSA), which covers US state money transmitter licensing and the Malta Financial Services Authority. The European business is Gemini Intergalactic EU Ltd, based in Malta. The exchange also publishes proof of reserves, and the wallet gives self custody rather than platform custody.
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