Updated September 28, 2026 · SumCue Editorial Team
bunq Spain vs J&T Direktbank
bunq Spain
J&T Direktbank
Higher score in this comparison
What sets them apart
| Compare | bunq SpainReviewVisitVisit | J&T DirektbankReviewVisitVisit |
|---|---|---|
| Headline rate | 3.01%Higher | 2.25% |
| 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 | Daily availability; interest paid monthly to the Tagesgeld account |
| Regulators | De Nederlandsche Bank, SIPC | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Ceska narodni banka (CNB) |
Same on both: Rate type (Variable), Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0), Account kind (Easy access).
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
- J&T Direktbank scores higher overall: 9.3 vs 9.0.
- Regulators: only bunq Spain offers De Nederlandsche Bank, SIPC.
- Regulators: only J&T Direktbank offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Ceska narodni banka (CNB).
- Founded is lower at J&T Direktbank: 1998 vs 2012.
- bunq Spain is licensed in 5 more countries.
- bunq Spain is available in 5 more countries.
- Minimum deposit is lower at J&T Direktbank: €0 vs €10.
- Headline rate is higher at bunq Spain: 3.01% vs 2.25%.
- Support channels: only bunq Spain offers Chat, Help centre.
- Support channels: only J&T Direktbank 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.
J&T Direktbank
J&T Direktbank suits savers who want euro cash parked without paying a monthly charge, and who do not need to lock the money away. Its overnight account pays 2.25% at a variable rate, with an account fee of €0 and a minimum deposit of €0.
Score breakdown
| Area | bunq Spain | J&T Direktbank |
|---|---|---|
| Cost | 8.8A monthly fee of €0 and an opening deposit of €10 mean there is no charge to sit on the balance. | 9.5Higher |
| Offer | 9.1HigherA variable 3.01% on easy-access money, plus multi currency, crypto and virtual card covering crypto, cards and travel in the same app. | 8.8Account fee of €0 and a minimum deposit of €0 are the strong side, while 2.25% trails the site median of 3%. |
| Trust | 9.2 | 9.4Higher |
Choosing between them
Pick bunq Spain if offer and headline rate matter most.
Pick J&T Direktbank if cost and minimum deposit matter most.
What it costs in practice
10,000 saved for 12 months
bunq Spain
€301
3.01% of 10,000 - 12 × €0
J&T Direktbank
€225
2.25% of 10,000 - 12 × €0
bunq Spain comes out €76 ahead.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | bunq Spain | J&T Direktbank |
|---|---|---|
| Savings | 9 of 1492 | 19 of 1492 |
| Savings accounts | 6 of 658 | 12 of 658 |
| Investing | 11 of 654 | 23 of 654 |
Every fact side by side
| Fact | bunq Spain | J&T Direktbank |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | bunq B.V. | J&T BANKA, a.s., Zweigniederlassung Deutschland |
| Headquarters | Netherlands | Czechia |
| Founded | 2012 | 1998Lower |
| Support channels | Email, Chat, Help centre | Email, Phone |
Brokers
| Fact | bunq Spain | J&T Direktbank |
|---|---|---|
| Account fee | Not confirmed | €0 |
| Markets | Stocks, ETFs, Crypto | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | EU ICS up to EUR 20,000 |
| 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 |
| Interest on cash | Not confirmed | 2.25% |
Debit cards
| Fact | bunq Spain | J&T Direktbank |
|---|---|---|
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
| Currencies | 8 | Not confirmed |
Credit cards
| Fact | bunq Spain | J&T Direktbank |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Card kind | Credit | Not confirmed |
Crypto exchanges
| Fact | bunq Spain | J&T Direktbank |
|---|---|---|
| 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 | J&T Direktbank |
|---|---|---|
| Premium from | €0 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Where each stands against the rest
| Fact | bunq Spain | J&T Direktbank | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 2.25%below 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.
J&T Direktbank
Pros
- The account fee is €0 and the minimum deposit is €0, so small balances work.
- Deposits are covered by EU DGS up to EUR 100,000.
- Daily availability, with interest paid monthly on a variable rate of 2.25%.
Cons
- The rate is variable, so the 2.25% figure can fall with monetary policy.
- Support runs on email and phone only, with no branch network and no in-app chat.
- The account is a German branch of a Czech bank, J&T BANKA, a.s., Zweigniederlassung Deutschland, with a home country of CZ.
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.
J&T Direktbank
Who it suits
- Euro savers who want daily access and can leave the balance in place.
- Savers who value a fee-free account, with an account fee of €0 and a minimum deposit of €0.
- Readers comfortable with a variable rate paid monthly, under supervision by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Ceska narodni banka (CNB).
Who should look elsewhere
- bunq, which lists a minimum deposit of €10 where this account takes €0.
- CFI, whose minimum deposit of $0 is set in dollars rather than euro, for anyone saving in US currency.
- Fiesta Credito MX, supervised by CONDUSEF rather than Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Ceska narodni banka (CNB), if you need cover in another market.
Country by country
| Country | bunq Spain | J&T Direktbank |
|---|---|---|
| Belgium | Yes | No |
| Czechia | No | Yes |
| France | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Spain | Yes | No |
| Germany | 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.
J&T Direktbank
What does J&T Direktbank pay on its euro cash account?+
The overnight deposit pays 2.25%, and the cash interest is listed as 2.25%. The rate is variable, so it can move with monetary policy rather than being fixed for a term. Money stays available daily and interest is credited to the account monthly.
What does it cost to hold the account?+
Nothing to hold. The account fee is €0, the monthly fee is €0 and the minimum deposit is €0, so there is no balance to maintain and no charge to avoid. The only thing that matters is leaving enough in the account to earn the rate.