Updated September 28, 2026 · SumCue Editorial Team
bunq vs Finom
bunq
Finom
Higher score in this comparison
Where bunq and Finom differ
| Compare | bunqReviewVisitVisit | FinomReviewVisitVisit |
|---|---|---|
| Headline rate | 3.01% | 5%Higher |
| Rate type | Variable | Fixed |
| 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 | Instant access, withdraw at any time with no withdrawal penalties |
| Account kind | Easy access | Cash management |
| Regulators | De Nederlandsche Bank, SIPC | Not confirmed |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0).
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
- Finom scores higher overall: 8.9 vs 8.8.
- Founded is lower at bunq: 2012 vs 2019.
- bunq is licensed in 5 more countries.
- Finom is available in 4 more countries.
- Minimum deposit is lower at Finom: €0 vs €10.
- Headline rate is higher at Finom: 5% vs 3.01%.
- Support channels: only Finom offers Chat, Community.
- Pricing model: only bunq offers Monthly.
- Pricing model: only Finom offers No monthly fee, Fixed rate.
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.
Finom
Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.
Score breakdown
| Area | bunq | Finom |
|---|---|---|
| Cost | 9.5HigherThe plan carries a monthly fee of €0 and an annual fee of €0, with deposits starting from €10. | 9.3Running costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. |
| Offer | 8.3 | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. |
| Trust | 8.5Higher | 8.2 |
Licences and countries
| Country | bunq | Finom |
|---|---|---|
| Netherlands | De Nederlandsche Bank (DNB) R180074 | |
| Belgium | Nationale Bank van Belgie / Banque Nationale de Belgique (NBB) BE 0769.451.708 | Not confirmed |
| Cyprus | Not confirmed | |
| France | Banque de France SIREN 893970970 | Not confirmed |
| Germany | Not confirmed | |
| Ireland | Central Bank of Ireland 909737 | Not confirmed |
| Italy | Banca d'Italia MI - 2628476 | Not confirmed |
| Spain | Banco de Espana W0086933I | Not confirmed |
Available in 7 countries for both. Additional countries for Finom: 4.
How they place
| Ranking | bunq | Finom |
|---|---|---|
| Savings | 10 of 1492 | 3 of 1492 |
| Credit and debit cards | 9 of 1594 | 2 of 1594 |
Every fact side by side
| Fact | bunq | Finom |
|---|---|---|
| Pricing model | Monthly | No monthly fee, Fixed rate |
| Legal entity | bunq B.V. | PNL Fintech B.V. |
| Headquarters | Netherlands | Netherlands |
| Founded | 2012Lower | 2019 |
| Support channels | Email, Help centre | Email, Chat, Help centre, CommunityCovers more |
Brokers
| Fact | bunq | Finom |
|---|---|---|
| Markets | Stocks, ETFs, Crypto | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Features | Crypto, Fractional shares, Mobile app | Rewards |
| Audience | Expats | Business |
| Currency conversion fee | 0.5% to 3% | Not confirmed |
| Platforms | Bunq app | Not confirmed |
Debit cards
| Fact | bunq | Finom |
|---|---|---|
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
| Currencies | 8 | Not confirmed |
Crypto exchanges
| Fact | bunq | Finom |
|---|---|---|
| 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 |
Credit cards
| Fact | bunq | Finom |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Rewards type | Not confirmed | Cashback |
| Rewards rate | Not confirmed | up to 3% |
| Card kind | Credit | Not confirmed |
Where each stands against the rest
| Fact | bunq | Finom | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 5%above 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
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%.
Finom
Pros
- A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
- The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
- Instant access with no withdrawal penalties, so cash can move the same day it lands.
Cons
- Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
- The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
- Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.
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.
Finom
Who it suits
- Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
- Business owners who care more about fees than flexibility, since the monthly charge is €0.
- Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.
Who should look elsewhere
- Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
- Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
- Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.
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
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
Country by country
| Country | bunq | Finom |
|---|---|---|
| Austria | No | Yes |
| Cyprus | No | Yes |
| Poland | No | Yes |
| Portugal | No | Yes |
| Belgium | Yes | Yes |
| France | Yes | Yes |
| Germany | Yes | Yes |
| Ireland | Yes | Yes |
8 of 11 countries where either is available.
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.
Finom
What interest rate does Finom pay?+
Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.
Is there a monthly or annual fee?+
Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.
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