Updated September 29, 2026 · SumCue Editorial Team
bunq Spain vs Mintos
bunq Spain
Mintos
Higher score in this comparison
bunq Spain vs Mintos: the differences
| Compare | bunq SpainReviewVisitVisit | MintosReviewVisitVisit |
|---|---|---|
| Minimum deposit | €10Lower | €50 |
| Markets | Stocks, ETFs, Crypto | Bonds, ETFs, Crypto |
| Regulators | De Nederlandsche Bank, SIPC | Latvijas Banka, LV LV |
| Currency conversion fee | 0.5% to 3% | 0.5% |
| Platforms | Bunq app | Web, iOS, Android |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €4.90 |
| Deposit and withdrawal fees | Not confirmed | Free bank transfer withdrawal; 2% card deposits |
| Interest on cash | Not confirmed | 2.5% |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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
- Mintos scores higher overall: 9.2 vs 9.0.
- Regulators: only bunq Spain offers De Nederlandsche Bank, SIPC.
- Regulators: only Mintos offers Latvijas Banka, LV LV.
- bunq Spain is licensed in 6 more countries.
- Minimum deposit is lower at bunq Spain: €10 vs €50.
- Markets: only bunq Spain offers Stocks.
- Markets: only Mintos offers Bonds.
- Platforms: only bunq Spain offers Bunq app.
- Platforms: only Mintos offers Web, iOS, Android.
- Support channels: only bunq Spain offers Chat.
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.
Mintos
Mintos suits savers who want a euro account that pays interest on cash and holds investments in the same place. The account fee is €0 and the minimum deposit €50, so the running cost is thin, while an inactivity fee of €4.90 catches balances left untouched.
Score breakdown
| Area | bunq Spain | Mintos |
|---|---|---|
| Cost | 8.8A monthly fee of €0 and an opening deposit of €10 mean there is no charge to sit on the balance. | 8.9HigherA €0 account fee and bank transfers at no cost keep the base low, with €4.90 for inactivity and 0.5% on conversion. |
| 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. | 9.1Bonds, ETFs and crypto sit in bonds, etfs and crypto, cash pays 2.5% and entry starts at €50, a compact mix for a small saver. |
| Trust | 9.2 | 9.4Higher |
Where each is licensed and available
| Country | bunq Spain | Mintos |
|---|---|---|
| Belgium | Not confirmed | |
| France | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Not confirmed | |
| Italy | Not confirmed | |
| Latvia | Not confirmed | LV_LV PSD_EMI LV_FCMC!723 |
| Netherlands | Not confirmed | |
| Spain | Not confirmed |
Side by side, item by item
| Markets | bunq Spain | Mintos |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Crypto | Yes | Yes |
| Bonds | No | Yes |
How they place
| Ranking | bunq Spain | Mintos |
|---|---|---|
| Investing | 11 of 654 | 14 of 654 |
| Stock and ETF brokers | 7 of 358 | 10 of 358 |
Every fact side by side
| Fact | bunq Spain | Mintos |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, Travel | Crypto, Mobile app |
| Pricing model | No monthly fee | Commission free |
| Audience | Student | Not confirmed |
| Legal entity | bunq B.V. | SIA Mintos Payments |
| Headquarters | Netherlands | Latvia |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Chat, Help centre | Email, Help centre, Community |
Debit cards
| Fact | bunq Spain | Mintos |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
| Currencies | 8 | Not confirmed |
Credit cards
| Fact | bunq Spain | Mintos |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Card kind | Credit | Not confirmed |
Crypto exchanges
| Fact | bunq Spain | Mintos |
|---|---|---|
| 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 | Mintos |
|---|---|---|
| Premium from | €0 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Where each stands against the rest
| Fact | bunq Spain | Mintos | Median |
|---|---|---|---|
| Minimum deposit | €10above the median | €50highest quarter | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €4.90above the median | €2.45 |
| Currency conversion fee | 0.5% to 3%above the median | 0.5%above the median | 0.4 |
| Interest on cash | Not confirmed | 2.5%below the median | 2.875% |
Median across 80 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.
Mintos
Pros
- The account fee is €0, so holding a balance open costs nothing month after month.
- The dealing model in commission free means no charge on each trade, and bonds, etfs and crypto puts bonds, ETFs and crypto in the same place.
- Cash parked on the platform earns 2.5%, so idle money still pays while you decide.
Cons
- An inactivity fee of €4.90 can be charged on a balance left unused, so a forgotten account still costs money.
- Money in and out is uneven: Free bank transfer withdrawal; 2% card deposits, so card top-ups cost where a bank transfer does not.
- Converting currency runs at 0.5%, which is the fee to watch if you hold money outside the euro.
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.
Mintos
Who it suits
- Savers in the euro area who want cash interest alongside bond, ETF and crypto holdings without paying per trade.
- People who prefer one place for money and markets, using the mobile app in crypto and mobile app and the platforms in Web, iOS and Android.
- First-time investors who would rather not pay a commission on every trade and start from €50.
Who should look elsewhere
- Not for people who want a smaller first transfer than €50: bunq lists a minimum deposit of €10.
- Not for traders who are content to start with nothing: CFI has a minimum deposit of $0.
- Not for people weighing a Mexican lender: Fiesta Credito MX is listed with CONDUSEF rather than the Latvijas Banka register here.
Country by country
| Country | bunq Spain | Mintos |
|---|---|---|
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Spain | Yes | No |
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.
Mintos
Does Mintos charge a monthly account fee?+
No. The account fee is €0, so keeping the account open costs nothing in monthly charges. The costs that do apply are the inactivity fee of €4.90, the currency conversion charge of 0.5% and a fee on card deposits.
What happens if I leave my account untouched?+
An inactivity fee of €4.90 can be charged on a balance that sits unused, so keep a little activity or move the money out before it costs you. The account fee of €0 keeps applying while the account is open.
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