Updated October 17, 2026 · SumCue Editorial Team
bunq Spain vs Hargreaves Lansdown
bunq Spain
Hargreaves Lansdown
Higher score in this comparison
bunq Spain vs Hargreaves Lansdown: the differences
| Compare | bunq SpainReviewVisitVisit | Hargreaves LansdownReviewVisitVisit |
|---|---|---|
| Headline rate | 3.01% | 3.85% to 4.92%Higher |
| Minimum deposit | €10 | £0 |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly | Easy access: withdraw money at any time, usually takes 1 working day |
| Monthly fee | €0 | £0 |
| Regulators | De Nederlandsche Bank, SIPC | Not confirmed |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Hargreaves Lansdown scores higher overall: 9.6 vs 9.0.
- Founded is lower at Hargreaves Lansdown: 1981 vs 2012.
- bunq Spain is available in 6 more countries.
- Headline rate is higher at Hargreaves Lansdown: 3.85% to 4.92% vs 3.01%.
- Support channels: only bunq Spain offers Email, Chat.
- Support channels: only Hargreaves Lansdown offers Phone.
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.
Hargreaves Lansdown
Hargreaves Lansdown stands apart from standard banks by combining ISAs, pensions, investments and active savings in one investment service. It serves households in the UK who want long term investing with research, analyst insight and app management in one place.
Score breakdown
| Area | bunq Spain | Hargreaves Lansdown |
|---|---|---|
| Cost | 8.8A monthly fee of €0 and an opening deposit of €10 mean there is no charge to sit on the balance. | 9.7Higher |
| 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. | 9.3Higher |
| Trust | 9.2 | 9.8Higher |
Positions in our rankings
| Ranking | bunq Spain | Hargreaves Lansdown |
|---|---|---|
| Savings | 9 of 1492 | 15 of 1492 |
| Savings accounts | 6 of 658 | 9 of 658 |
| Investing | 11 of 654 | 20 of 654 |
| Stock and ETF brokers | 7 of 358 | 12 of 358 |
Availability and regulation
| Country | bunq Spain | Hargreaves Lansdown |
|---|---|---|
| Belgium | Not confirmed | |
| France | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Not confirmed | |
| Italy | Not confirmed | |
| Netherlands | Not confirmed | |
| Spain | Not confirmed |
Additional countries for bunq Spain: 7. Additional countries for Hargreaves Lansdown: 1.
If neither fits
Finom has headline rate at 5%, against 3.01% for bunq Spain and 3.85% to 4.92% for Hargreaves Lansdown.
Finom reviewSources behind this comparison
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
Hargreaves Lansdown
- hl.co.uk: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | bunq Spain | Hargreaves Lansdown |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | bunq B.V. | Hargreaves Lansdown Asset Management Limited |
| Headquarters | Netherlands | United Kingdom |
| Founded | 2012 | 1981Lower |
| Support channels | Email, Chat, Help centre | Phone, Help centre |
Brokers
| Fact | bunq Spain | Hargreaves Lansdown |
|---|---|---|
| Markets | Stocks, ETFs, Crypto | Stocks, ETFs, Funds, Bonds |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Features | Multi currency, Crypto, Virtual card, Travel | Not confirmed |
| Audience | Student | Not confirmed |
| Currency conversion fee | 0.5% to 3% | Not confirmed |
| Platforms | Bunq app | Not confirmed |
| Account types | Not confirmed | ISA, Lisa, Jisa, SIPP |
Debit cards
| Fact | bunq Spain | Hargreaves Lansdown |
|---|---|---|
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
| Currencies | 8 | Not confirmed |
Credit cards
| Fact | bunq Spain | Hargreaves Lansdown |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Card kind | Credit | Not confirmed |
Crypto exchanges
| Fact | bunq Spain | Hargreaves Lansdown |
|---|---|---|
| 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 | Hargreaves Lansdown |
|---|---|---|
| Premium from | €0 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Where each stands against the rest
| Fact | bunq Spain | Hargreaves Lansdown | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 3.85% to 4.92%above the median | 3.3% |
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.
Hargreaves Lansdown
Pros
- Covers Stocks and Shares ISA, Cash ISA and pension in one range
- Provides analyst research on stocks, funds, trusts and ETFs
- Supports regular investing through Direct Debit contributions
Cons
- Manages accounts mainly through online tools and the app
- Keeps the focus on market investments rather than everyday banking
- Bond material spotlights gilts rather than a broad fixed income shelf
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.
Hargreaves Lansdown
Who it suits
- Households building long term ISA and pension savings
- Investors wanting analyst research on shares and funds
- Savers keeping cash savings beside investments
Who should look elsewhere
- Shoppers seeking everyday current accounts
- Savers avoiding market based products
Country by country
| Country | bunq Spain | Hargreaves Lansdown |
|---|---|---|
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Spain | Yes | No |
| United Kingdom | No | Yes |
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.
Hargreaves Lansdown
What pension does Hargreaves Lansdown provide?+
Hargreaves Lansdown provides a Self-Invested Personal Pension for people who want to direct their own retirement savings. The pension sits beside ISAs and investment accounts. It forms a central part of the long term range.
What can clients invest in?+
Clients can hold UK and overseas stocks, funds, investment trusts and ETFs. The range also covers gilts and wider bond market insight. An inhouse analyst team supplies research and analysis across those markets.
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