Updated September 28, 2026 · SumCue Editorial Team
bunq Spain vs Revolut
bunq Spain
Revolut
Higher score in this comparison
What sets them apart
| Compare | bunq SpainReviewVisitVisit | RevolutReviewVisitVisit |
|---|---|---|
| Headline rate | 3.01% | 4%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 | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Monthly fee | €0 | £0 |
| Regulators | De Nederlandsche Bank, SIPC | Cyprus Securities and Exchange Commission (CySEC), LT BL |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Revolut scores higher overall: 9.2 vs 9.0.
- Regulators: only bunq Spain offers De Nederlandsche Bank, SIPC.
- Regulators: only Revolut offers Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Founded is lower at bunq Spain: 2012 vs 2015.
- bunq Spain is licensed in 4 more countries.
- Revolut is available in 22 more countries.
- Headline rate is higher at Revolut: 4% vs 3.01%.
- Support channels: only Revolut 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.
Revolut
Revolut suits people who want everyday banking, travel spending and easy-access savings in one app. Its debit account has a monthly fee of £0, a free ATM allowance of £200 and multi-currency, virtual-card and travel features, although its currency conversion fee can reach 0% to 2%.
Score breakdown
| Area | bunq Spain | Revolut |
|---|---|---|
| Cost | 8.8A monthly fee of €0 and an opening deposit of €10 mean there is no charge to sit on the balance. | 9.4HigherThe debit account has a monthly fee of £0, while its currency conversion fee is 0% to 2%. |
| 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. | 9.8HigherThe offer includes multi-currency, virtual-card and travel features, plus a headline savings rate of 4%. |
| Trust | 9.2Higher | 8.5 |
Choosing between them
Pick bunq Spain if trust matter most.
Pick Revolut if cost, offer, and headline rate matter most.
Licences and countries
| Country | bunq Spain | Revolut |
|---|---|---|
| Belgium | Not confirmed | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| France | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Not confirmed | |
| Italy | Not confirmed | |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| Netherlands | Not confirmed |
Available in 7 countries for both. Additional countries for Revolut: 22.
A third option
Finom has headline rate at 5%, against 3.01% for bunq Spain and 4% for Revolut.
Finom reviewHow they place
| Ranking | bunq Spain | Revolut |
|---|---|---|
| Savings | 9 of 1492 | 22 of 1492 |
| Savings accounts | 6 of 658 | 14 of 658 |
| Credit and debit cards | 7 of 1594 | 24 of 1594 |
| Debit cards | 5 of 826 | 18 of 826 |
| Investing | 11 of 654 | 139 of 654 |
| Crypto | 6 of 428 | 20 of 428 |
| Crypto exchanges | 4 of 330 | 18 of 330 |
Every fact side by side
| Fact | bunq Spain | Revolut |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | bunq B.V. | Revolut Digital Assets (Europe) Ltd |
| Headquarters | Netherlands | Cyprus |
| Founded | 2012Lower | 2015 |
| Support channels | Email, Chat, Help centre | Chat, Email, Phone, Help centreCovers more |
Brokers
| Fact | bunq Spain | Revolut |
|---|---|---|
| Markets | Stocks, ETFs, Crypto | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Features | Multi currency, Crypto, Virtual card, TravelCovers more | Multi currency, Virtual card, Travel |
| Audience | Student | Not confirmed |
| Currency conversion fee | 0.5% to 3% | 0% to 2%Lower |
| Platforms | Bunq app | Not confirmed |
| Account types | Not confirmed | ISA, Joint |
Debit cards
| Fact | bunq Spain | Revolut |
|---|---|---|
| Free ATM withdrawals | Not confirmed | £200 |
| Card type | Debit | Debit |
| Card network | Mastercard | Visa |
| Currencies | 8 | 160Higher |
Credit cards
| Fact | bunq Spain | Revolut |
|---|---|---|
| Annual fee | €0 | €0 |
| APR | Not confirmed | 13.34% to 17.99% |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | 1.5 points per EUR1 |
| Card kind | Credit | Credit |
Crypto exchanges
| Fact | bunq Spain | Revolut |
|---|---|---|
| Taker fee | 0.25% to 1.99% | 0.09%Lower |
| Coins listed | from 350 | 200 to 230 |
| Fiat deposit methods | Not confirmed | Card, Bank |
| Maker fee | 0.25% to 1.99% | 0%Lower |
| Withdrawal fee | Not confirmed | network fee plus service fee |
| Derivatives | Not confirmed | No |
| Exchange type | Cex | Cex |
Personal insurance
| Fact | bunq Spain | Revolut |
|---|---|---|
| Premium from | €0 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Loans
| Fact | bunq Spain | Revolut |
|---|---|---|
| Loan types | Not confirmed | Personal |
Robo-advisors
| Fact | bunq Spain | Revolut |
|---|---|---|
| Management fee | Not confirmed | 0% |
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | bunq Spain | Revolut | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 4%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.
Revolut
Pros
- The debit account has a monthly fee of £0 and a free ATM allowance of £200.
- Savings offer instant access through the Revolut app, fee-free withdrawals and no withdrawal limits.
- The debit card includes multi-currency, virtual-card and travel features.
Cons
- Currency conversion fees can reach 0% to 2%, which may add cost when travelling or spending abroad.
- Crypto withdrawals carry network fee plus service fee.
- The savings rate is variable at variable, so the headline return may change.
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.
Revolut
Who it suits
- People who use Revolut for everyday spending and travel.
- Savings users wanting app-based easy access with fee-free withdrawals.
- Customers who want debit, credit, savings, investing and crypto services together.
Who should look elsewhere
- Wise users prioritising a lower stated currency conversion fee of 0.1%.
- Varo Believe Secured Credit Card users seeking a secured credit card rather than Revolut's debit and credit products.
- bunq users focused on comparing the stated monthly fee of €0 against Revolut's fee.
Country by country
| Country | bunq Spain | Revolut |
|---|---|---|
| Austria | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 29 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.
Revolut
What is Revolut's debit card monthly fee?+
Revolut's debit account has a monthly fee of £0. The card is a debit card on the Visa network, with multi-currency, virtual-card and travel features included in the stated offer.
How much can I withdraw from Revolut ATMs?+
The stated free ATM allowance is £200. Revolut is ranked 15 for this measure among 124 listed brands.
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