Updated October 17, 2026 · SumCue Editorial Team
bunq Spain vs iuvoSAVE
bunq Spain
Higher score in this comparison
iuvoSAVE
Where bunq Spain and iuvoSAVE differ
| Compare | bunq SpainReviewVisitVisit | iuvoSAVEReviewVisitVisit |
|---|---|---|
| Headline rate | 3.01% | 5%Higher |
| Rate type | Variable | Fixed |
| Access terms | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly | Funds can be added at any time and early exit is allowed before the due date, capped at 10 000 EUR per month per iuvoSAVE version, with a 1% fee on the amount exited early; balance becomes available automatically after the due date unless renewal is selected |
| Account kind | Easy access | Fixed |
| Term | Not confirmed | 3 months |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Regulators | De Nederlandsche Bank, SIPC | Not confirmed |
Same on both: Minimum deposit (€10), 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
- Founded is lower at bunq Spain: 2012 vs 2016.
- bunq Spain is available in 6 more countries.
- Headline rate is higher at iuvoSAVE: 5% vs 3.01%.
- Support channels: only bunq Spain offers Help centre.
- Support channels: only iuvoSAVE offers Phone.
- Pricing model: only iuvoSAVE 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.
iuvoSAVE
For households in Europe, iuvoSAVE is a P2P portal for purchasing receivables through a mobile app with ongoing access to added funds. It appeals to beginners wanting simple mobile actions, automated allocation and carefully screened originators focused on reputation and stability.
Score breakdown
| Area | bunq Spain | iuvoSAVE |
|---|---|---|
| Cost | 8.8A monthly fee of €0 and an opening deposit of €10 mean there is no charge to sit on the balance. | 9.1Higher |
| 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. | 9.7Higher |
| Trust | 9.2Higher | 8.4 |
Cost in a real example
10,000 saved for 12 months
bunq Spain
€301
3.01% of 10,000 - 12 × €0
iuvoSAVE
€500
5% of 10,000 - 12 × €0
iuvoSAVE 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.
Which one suits you
Pick bunq Spain if trust matter most.
Pick iuvoSAVE if cost, offer, and headline rate matter most.
A third option
Plazo ES has headline rate at 24.19%, against 3.01% for bunq Spain and 5% for iuvoSAVE.
Plazo ES reviewWhere 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
iuvoSAVE
- iuvo-group.com: 12 facts, checked September 26, 2026
How they place
| Ranking | bunq Spain | iuvoSAVE |
|---|---|---|
| Savings | 9 of 1492 | 14 of 1492 |
| Investing | 11 of 654 | 18 of 654 |
Every fact side by side
| Fact | bunq Spain | iuvoSAVE |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee, Fixed rateCovers more |
| Legal entity | bunq B.V. | IUVO GROUP OÜ |
| Headquarters | Netherlands | Estonia |
| Founded | 2012Lower | 2016 |
| Support channels | Email, Chat, Help centre | Email, Chat, Phone |
Brokers
| Fact | bunq Spain | iuvoSAVE |
|---|---|---|
| Account fee | Not confirmed | €0 |
| Markets | Stocks, ETFs, Crypto | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Features | Multi currency, Crypto, Virtual card, Travel | Mobile app |
| Audience | Student | Not confirmed |
| Currency conversion fee | 0.5% to 3% | Not confirmed |
| Deposit and withdrawal fees | Not confirmed | 2 free withdrawals per month, then 1 EUR per withdrawal |
| Platforms | Bunq app | Not confirmed |
| Interest on cash | Not confirmed | 5% to 7% |
Debit cards
| Fact | bunq Spain | iuvoSAVE |
|---|---|---|
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
| Currencies | 8 | Not confirmed |
Credit cards
| Fact | bunq Spain | iuvoSAVE |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Card kind | Credit | Not confirmed |
Crypto exchanges
| Fact | bunq Spain | iuvoSAVE |
|---|---|---|
| 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 | iuvoSAVE |
|---|---|---|
| Premium from | €0 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Where each stands against the rest
| Fact | bunq Spain | iuvoSAVE | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 5%above the median | 3.3% |
| Term | Not confirmed | 3 monthslowest quarter | 60 months |
| Minimum deposit | €10above the median | €10above 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.
iuvoSAVE
Pros
- Mobile app handles receivables activity within a couple of clicks.
- Auto Assign places available funds using predefined selection filters.
- Only approved originators appear after reputation and stability checks.
Cons
- Range stays focused on receivables with no wider asset types shown.
- Access stays centred on the mobile app without branch service.
- Portal positioning reflects Europe rather than worldwide coverage.
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.
iuvoSAVE
Who it suits
- Households in Europe exploring receivables investing
- Beginners wanting simple clicks plus automated allocation
- People keeping access to added funds
Who should look elsewhere
- People wanting branch service
- People wanting asset classes beyond receivables
Country by country
| Country | bunq Spain | iuvoSAVE |
|---|---|---|
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Spain | Yes | No |
| Belgium | Yes | 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.
iuvoSAVE
What does iuvoSAVE offer?+
iuvoSAVE provides a portal for purchasing receivables with predictable maturity and return. Management happens through the mobile app within a couple of clicks. Added funds remain accessible at any time while they are put to work.
Which markets does iuvoSAVE serve?+
iuvoSAVE presents itself as a P2P portal in Europe. Its messaging addresses households across the region seeking everyday money products. The footprint stays European rather than extending worldwide.
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