Updated September 29, 2026 · SumCue Editorial Team
bunq Spain vs XTB
bunq Spain
XTB
Higher score in this comparison
What sets them apart
| Compare | bunq SpainReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Headline rate | 3.01% | 4%Higher |
| Minimum deposit | €10 | €0Lower |
| 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 | Interest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account |
| Monthly fee | €0 | £0 |
| Regulators | De Nederlandsche Bank, SIPC | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
Same on both: Rate type (Variable), 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
- XTB scores higher overall: 9.3 vs 9.0.
- Regulators: only bunq Spain offers De Nederlandsche Bank, SIPC.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- Founded is lower at XTB: 2002 vs 2012.
- bunq Spain is licensed in 4 more countries.
- Minimum deposit is lower at XTB: €0 vs €10.
- Headline rate is higher at XTB: 4% vs 3.01%.
- Support channels: only bunq Spain offers Help centre.
- Support channels: only XTB offers Phone.
- Pricing model: only bunq Spain offers No monthly fee.
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.
XTB
XTB suits beginners who want an account for shares, forex, CFDs and crypto without a monthly charge, and the cost side is thin: the account fee is €0 and the stock trade fee is €0. The catch is the inactivity fee of €10 and a currency conversion fee of 0.5%.
Score breakdown
| Area | bunq Spain | XTB |
|---|---|---|
| Cost | 8.8A monthly fee of €0 and an opening deposit of €10 mean there is no charge to sit on the balance. | 9.2HigherAccount fee of €0 and stock trade fee of €0 lead, with an inactivity fee of €10 the offset. |
| 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. | 9.2Higher |
| Trust | 9.2 | 9.5Higher |
Where they rank in our lists
| Ranking | bunq Spain | XTB |
|---|---|---|
| Savings | 9 of 1492 | 2 of 1492 |
| Savings accounts | 6 of 658 | 2 of 658 |
| Credit and debit cards | 7 of 1594 | 1 of 1594 |
| Investing | 11 of 654 | 3 of 654 |
| Stock and ETF brokers | 7 of 358 | 2 of 358 |
| Crypto | 6 of 428 | 2 of 428 |
Where each is licensed and available
| Country | bunq Spain | XTB |
|---|---|---|
| Belgium | Not confirmed | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| France | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Not confirmed | |
| Italy | Not confirmed | |
| Netherlands | Not confirmed | |
| Poland | Not confirmed |
Every fact side by side
| Fact | bunq Spain | XTB |
|---|---|---|
| Pricing model | No monthly fee | Commission free, Low fees |
| Legal entity | bunq B.V. | XTB Limited |
| Headquarters | Netherlands | Cyprus |
| Founded | 2012 | 2002Lower |
| Support channels | Email, Chat, Help centre | Email, Chat, Phone |
Brokers
| Fact | bunq Spain | XTB |
|---|---|---|
| Stock trade fee | Not confirmed | €0 |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Markets | Stocks, ETFs, Crypto | Stocks, ETFs, Forex, CFDs, CryptoCovers more |
| Investor protection | EU ICS up to EUR 20,000 | EU ICS up to EUR 20,000 |
| Retail accounts that lose money | Not confirmed | 77% |
| Features | Multi currency, Crypto, Virtual card, Travel | Demo account, Mobile app, Crypto |
| Audience | Student | Beginners |
| Currency conversion fee | 0.5% to 3% | 0.5% |
| Deposit and withdrawal fees | Not confirmed | Free deposits; free withdrawals above 100 EUR/USD |
| Platforms | Bunq app | XStation 5, XStation Mobile |
| Maximum retail leverage | Not confirmed | 1:30 |
Debit cards
| Fact | bunq Spain | XTB |
|---|---|---|
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
| Currencies | 8 | Not confirmed |
Credit cards
| Fact | bunq Spain | XTB |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Card kind | Credit | Not confirmed |
Crypto exchanges
| Fact | bunq Spain | XTB |
|---|---|---|
| Taker fee | 0.25% to 1.99% | 0%Lower |
| Coins listed | from 350 | 45 |
| Fiat deposit methods | Not confirmed | Bank |
| Maker fee | 0.25% to 1.99% | 0%Lower |
| Withdrawal fee | Not confirmed | Free above 100 USD/EUR |
| Derivatives | Not confirmed | Yes |
| Exchange type | Cex | Cex |
Personal insurance
| Fact | bunq Spain | XTB |
|---|---|---|
| Premium from | €0 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Where each stands against the rest
| Fact | bunq Spain | XTB | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 4%above the median | 3.3% |
| Minimum deposit | €10above the median | €0below the median | €1 |
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.
XTB
Pros
- The account fee is €0 and the stock trade fee is €0, which places XTB at 1 of 166 brands on the share dealing charge.
- The minimum deposit is €0, putting XTB at 1 of 218 brands on the amount needed to start.
- Deposit protection is FSCS up to GBP 85,000 and investor protection is EU ICS up to EUR 20,000, both stated with figures rather than vague wording.
Cons
- The inactivity fee is €10, and at 39 of 56 brands on that measure XTB sits well outside the free group.
- A currency conversion fee of 0.5% applies even though the stock trade fee is €0, which bites on any US share held in a euro or sterling account.
- Retail leverage runs to 1:30 and 77% of retail accounts lose money, so free dealing does not mean free from risk.
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.
XTB
Who it suits
- Beginners new to investing, since the audience XTB is built for is beginners and the minimum deposit is €0.
- UK and EU customers who want stocks, etfs and forex behind a single login and who read FSCS up to GBP 85,000 before funding.
- People who want the same platform on desktop and phone, with xStation 5 and xStation Mobile both carrying the account.
Who should look elsewhere
- Not bunq, which asks for a minimum deposit of €10 where XTB opens at €0.
- Not CFI if the opening amount is your only guide, since its minimum deposit is also $0 and the real difference is markets and protection.
- Not Fiesta Credito MX, listed under CONDUSEF for credit rather than for trading stocks, etfs and forex.
Country by country
| Country | bunq Spain | XTB |
|---|---|---|
| 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.
XTB
What does it cost to hold an XTB account?+
The account fee is €0 and the monthly fee is £0, so there is no standing charge for keeping the account open. The recurring cost to watch is the inactivity fee of €10, which applies when an account is left unused. If you hold uninvested funds you also earn interest, calculated daily and paid monthly, with no minimum or maximum balance.
How much does it cost to buy shares on XTB?+
The stock trade fee is €0 and the account runs on a commission free and low fees model, so a share trade carries no commission. The charges that remain are the currency conversion fee of 0.5% when the trade currency and your account currency differ, and any spread built into the price. For an account holding US shares, that conversion fee is what turns a trade with a stock trade fee of €0 into a cost.
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