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Updated October 17, 2026 · SumCue Editorial Team

bunq vs Coinbase

bunq scores 8.8 and Coinbase 9.4 out of 10. Compare their differences and shared features below.
bunq

bunq

8.8/10
Visit
Coinbase

Coinbase

Higher score in this comparison

9.4/10
Visit

What sets them apart

bunq vs Coinbase
ComparebunqbunqReviewVisitVisitCoinbaseCoinbaseReviewVisitVisit
MarketsStocks, ETFs, CryptoCrypto, Futures
RegulatorsDe Nederlandsche Bank, SIPCCommission de Surveillance du Secteur Financier (CSSF) MiCA, Financial Conduct Authority (FCA), Alabama Securities Commission Money Transmitter License 509, Commission de Surveillance du Secteur Financier (CSSF), IE CBI
Currency conversion fee0.5% to 3%0%Lower
PlatformsBunq appAdvanced, Exchange
Minimum deposit€10Not confirmed
Deposit and withdrawal feesNot confirmedZero fees to fund via linked bank account or paycheck deposit (Coinbase Card)
Maximum retail leverageNot confirmed10x

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

  • Coinbase scores higher overall: 9.4 vs 8.8.
  • Regulators: only bunq offers De Nederlandsche Bank, SIPC.
  • Regulators: only Coinbase offers Commission de Surveillance du Secteur Financier (CSSF) MiCA, Financial Conduct Authority (FCA), Alabama Securities Commission Money Transmitter License 509.
  • bunq is licensed in 3 more countries.
  • Currency conversion fee is lower at Coinbase: 0% vs 0.5% to 3%.
  • Markets: only bunq offers Stocks, ETFs.
  • Markets: only Coinbase offers Futures.
  • Platforms: only bunq offers Bunq app.
  • Platforms: only Coinbase offers Advanced, Exchange.
  • Support channels: only Coinbase offers Phone.

Our verdict on each

bunq

bunq fits expats and anyone living across Europe who wants a euro account that pays interest on everyday money and handles spending and investing in the same app. Savings pay 3.01% on an easy access balance held under EU DGS up to EUR 100,000, with interest credited weekly.

Read the full bunq review

Coinbase

A Coinbase notice says crypto-asset and additional services would be provided by Coinbase Luxembourg S.A.

Read the full Coinbase review

Score breakdown

bunq vs Coinbase
AreabunqCoinbase
Cost9.5The plan carries a monthly fee of €0 and an annual fee of €0, with deposits starting from €10.9.7Higher
Offer8.38.9Higher
Trust8.59.4Higher

What each covers

bunq vs Coinbase
MarketsbunqCoinbase
StocksYesNo
ETFsYesNo
FuturesNoYes
CryptoYesYes

Where they rank in our lists

bunq vs Coinbase
RankingbunqCoinbase
Credit and debit cards9 of 159418 of 1594
Investing13 of 65421 of 654
Crypto7 of 42813 of 428
Crypto exchanges5 of 33011 of 330

Availability and regulation

bunq vs Coinbase
CountrybunqCoinbase
Ireland
IE_CBI PSD_EMI IE_CBI!C188493
BelgiumNot confirmed
France
Banque de France SIREN 893970970
Not confirmed
GermanyNot confirmed
Italy
Banca d'Italia MI - 2628476
Not confirmed
LuxembourgNot confirmed
NetherlandsNot confirmed
Spain
Banco de Espana W0086933I
Not confirmed

What we checked

bunq

  • bunq.com: 11 facts, checked September 26, 2026
  • help.bunq.com: 2 facts, checked September 26, 2026
  • en.wikipedia.org: 1 fact, checked September 26, 2026

Coinbase

  • coinbase.com: 9 facts, checked October 17, 2026
  • esma.europa.eu: 2 facts, checked September 26, 2026
  • expressvpn.com: 2 facts, checked September 26, 2026
  • coingecko.com: 1 fact, checked September 26, 2026

Every fact side by side

bunq vs Coinbase
FactbunqCoinbase
FeaturesCrypto, Fractional shares, Mobile appCovers moreCrypto, Mobile app
Pricing modelMonthlyNo annual fee
AudienceExpatsExperienced
Legal entitybunq B.V.Coinbase Luxembourg S.A.
HeadquartersNetherlandsLuxembourg
Founded20122012
Support channelsEmail, Help centrePhone, Email, Help centreCovers more

Savings

bunq vs Coinbase
FactbunqCoinbase
Headline rate3.01%Not confirmed
Rate typeVariableNot confirmed
Deposit protectionEU DGS up to EUR 100,000Not confirmed
Access termsWithdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weeklyNot confirmed
Monthly fee€0$0
Account kindEasy accessNot confirmed

Debit cards

bunq vs Coinbase
FactbunqCoinbase
Free ATM withdrawalsNot confirmed$0
Card typeDebitPrepaid
Top-up feeNot confirmedfree for direct deposit
Card networkMastercardVisa
Currencies8Not confirmed
CustodyNot confirmedCustodial

Crypto exchanges

bunq vs Coinbase
FactbunqCoinbase
Taker fee0.25% to 1.99%Not confirmed
Coins listedfrom 350405
Maker fee0.25% to 1.99%Not confirmed
DerivativesNot confirmedYes
Exchange typeCexCex

Credit cards

bunq vs Coinbase
FactbunqCoinbase
Annual fee€0$0
Rewards typeNot confirmedCashback
Rewards rateNot confirmed2%, 2.5%, 3% or 4% bitcoin back tiered by assets on Coinbase; 5% back on Coinbase One Card Travel bookings; 2.5-4% tiers capped at a combined $10,000 eligible purchases per calendar month
PerksNot confirmedZero trading fees on first $500/mo in trades (a spread applies), Boosted USDC rewards 4.00% APY on first $10K, then 3.60%, 5% more staking rewards on ETH, SOL and other eligible assets, $120 transaction credits on Base ($10/mo sponsored smart wallet gas), American Express retail protection, extended warranty and return protection, Trip cancellation/interruption, lost or damaged luggage and worldwide car rental loss & damage insurance, Roadside and emergency assistance, Eligibility check with no credit score impact, USDC security deposit option from $100
Cashback rateNot confirmed2% to 4%
Card kindCreditCredit

Crypto wallets

bunq vs Coinbase
FactbunqCoinbase
Wallet typeNot confirmedMobile
Coins supportedNot confirmed405

Where each stands against the rest

bunq vs Coinbase
FactbunqCoinbaseMedian
Minimum deposit€10above the medianNot confirmed€1
Currency conversion fee0.5% to 3%above the median0%below the median0.4

Median across 80 listed providers.

Pros and cons

bunq

Pros

  • Investing sits in the same app, with stocks, etfs and crypto and fractional shares among the plan features.
  • The card runs on mastercard, and conversion costs 0.5% to 3% across 8 currencies.
  • Regulated in the Netherlands by De Nederlandsche Bank, with savings under EU DGS up to EUR 100,000 and investments under EU ICS up to EUR 20,000.

Cons

  • Support runs on email and help centre only.
  • The rate is variable, so the 3.01% headline can move in either direction.
  • Crypto trades cost 0.25% to 1.99%, with maker fees of 0.25% to 1.99%.

Coinbase

Pros

  • Access to a large selection of cryptocurrencies in one place
  • Advanced charting and order book tools for experienced traders
  • Beginner guides and market updates for people learning about crypto

Cons

  • Crypto values can move sharply, so losses are possible
  • Some products and features are not available in every region

Who each suits

bunq

Who it suits

  • Anyone banking across the euro area, since bunq is licensed in the Netherlands, Germany, France, Spain, Ireland, Italy and Belgium.
  • People who want saving, spending and investing in one place, since crypto, fractional shares and mobile app all run through bunq app.
  • Savers who want interest without being locked into a term, since the account is easy access.

Who should look elsewhere

  • Linxea, where €25 is the starting premium on a life insurance product rather than a balance that pays interest.
  • Oney Préstamos ES, where €1,000 is a borrowing amount to repay, not money you hold.
  • Euroasia Insurance, where UZS 60,000 buys car cover, not euro banking.

Coinbase

Who it suits

  • Readers reviewing Coinbase’s Luxembourg entity and EEA service-transition notice.

Who should look elsewhere

  • People who want assured, low-volatility returns
  • Investors who prefer only traditional stocks

Current offers

bunq

Current offer

  • First period offer

    bunq Pro free for students: bunq Pro for EUR0/month while studying (normally EUR9.99/month)

    Students only; Enjoy bunq Pro for free while you study

    Source, checked September 26, 2026

  • Free trial

    30-day free trial: 30 days free

    Open your account in just 5 minutes and start your 30-day free trial today

    Source, checked September 26, 2026

Country by country

bunq vs Coinbase
CountrybunqCoinbase
BelgiumYesNo
FranceYesNo
GermanyYesNo
IrelandYesNo
ItalyYesNo
NetherlandsYesNo
SpainYesNo

Questions about each

bunq

How much does a bunq account cost?+

The standard plan carries a monthly fee of €0 and an annual fee of €0, so the account itself is free to hold. What you pay depends on use: currency conversion on the card runs at 0.5% to 3%, and crypto trades are charged 0.25% to 1.99%. Everything is managed in bunq app.

How much interest does bunq pay on savings?+

The savings balance pays 3.01%, and the rate is variable, which means it can move rather than being locked in for a term. Interest is paid weekly into the account, and the account is easy access.

Coinbase

What can people do on the platform?+

People can buy, sell, transfer and store cryptocurrency, including coins such as Bitcoin and Ethereum. The service is built around simple buying and selling of digital assets, with analysis tools available for those who want more detailed market data.

What kinds of assets can people trade on this platform?+

People can buy, sell, transfer and store a wide range of cryptocurrencies, with hundreds of options available in total. Well known coins are part of the selection, alongside many smaller tokens. Trading tools are designed to suit both beginners and advanced traders who want detailed charts and market data.

Other options to compare

bunq

Visit

Coinbase

Visit