Updated September 29, 2026 · SumCue Editorial Team
bunq vs Gemini
bunq
Gemini
Higher score in this comparison
bunq vs Gemini: the differences
| Compare | bunqReviewVisitVisit | GeminiReviewVisitVisit |
|---|---|---|
| Taker fee | 0.25% to 1.99%Lower | 0.8% |
| Coins listed | from 350 | 76 |
| Regulators | De Nederlandsche Bank, SIPC | NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA) |
| Maker fee | 0.25% to 1.99%Lower | 0.4% |
| Fiat deposit methods | Not confirmed | Card, Bank, ACH |
| Proof of reserves | Not confirmed | Yes |
| Withdrawal fee | Not confirmed | Crypto withdrawal fees are dynamic and correspond to current network/gas fees; USD wire transfer out $252; Custody to Exchange crypto withdrawal $125 |
| Derivatives | Not confirmed | Yes |
Same on both: Exchange type (Cex).
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Key differences
- Gemini scores higher overall: 9.0 vs 8.8.
- Regulators: only bunq offers De Nederlandsche Bank, SIPC.
- Regulators: only Gemini offers NMLS (US state money transmitter licensing), Malta Financial Services Authority (MFSA).
- Founded is lower at bunq: 2012 vs 2014.
- bunq is licensed in 5 more countries.
- Gemini is available in 58 more countries.
- Taker fee is lower at bunq: 0.25% to 1.99% vs 0.8%.
- Maker fee is lower at bunq: 0.25% to 1.99% vs 0.4%.
- Support channels: only Gemini offers Community.
- Features: only bunq offers Crypto, Fractional shares, Mobile app.
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.
Gemini
Gemini suits traders who want a regulated exchange and a self-custody wallet in the same product, and who want to check a licence rather than take a promise. It lists 76 coins and offers derivatives, and the European business, Gemini Intergalactic EU Ltd, is based in Malta.
Score breakdown
| Area | bunq | Gemini |
|---|---|---|
| Cost | 9.5HigherThe plan carries a monthly fee of €0 and an annual fee of €0, with deposits starting from €10. | 8.3Taker fee of 0.8% and maker fee of 0.4% both sit above the typical rate of 0.25% here. |
| Offer | 8.3 | 9.3HigherProof of reserves is published, derivatives are offered, and the feature set covers custodial, self custody and staking. |
| Trust | 8.5 | 9.3Higher |
Which one suits you
Pick bunq if cost, taker fee, and maker fee matter most.
Pick Gemini if trust matter most.
A third option
ActivTrades has taker fee at 0%, against 0.25% to 1.99% for bunq and 0.8% for Gemini.
ActivTrades reviewHow they place
| Ranking | bunq | Gemini |
|---|---|---|
| Crypto | 7 of 428 | 4 of 428 |
| Crypto exchanges | 5 of 330 | 2 of 330 |
Every fact side by side
| Fact | bunq | Gemini |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app | Custodial, Self custody, Staking |
| Legal entity | bunq B.V. | Gemini Intergalactic EU Ltd |
| Headquarters | Netherlands | Malta |
| Founded | 2012Lower | 2014 |
| Support channels | Email, Help centre | Email, Help centre, CommunityCovers more |
Brokers
| Fact | bunq | Gemini |
|---|---|---|
| Minimum deposit | €10 | Not confirmed |
| Markets | Stocks, ETFs, Crypto | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Pricing model | Monthly | Not confirmed |
| Audience | Expats | Not confirmed |
| Currency conversion fee | 0.5% to 3% | Not confirmed |
| Platforms | Bunq app | Not confirmed |
Savings
| Fact | bunq | Gemini |
|---|---|---|
| Headline rate | 3.01% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Debit cards
| Fact | bunq | Gemini |
|---|---|---|
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
| Currencies | 8 | Not confirmed |
| Custody | Not confirmed | Self custody |
Credit cards
| Fact | bunq | Gemini |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| Card kind | Credit | Not confirmed |
Crypto wallets
| Fact | bunq | Gemini |
|---|---|---|
| Wallet type | Not confirmed | Browser |
| Price | Not confirmed | $0 |
| Coins supported | Not confirmed | 76 |
| Secure element | Not confirmed | No secure element; passkey-based smart wallet signing on-device |
Where each stands against the rest
| Fact | bunq | Gemini | Median |
|---|---|---|---|
| Taker fee | 0.25% to 1.99%above the median | 0.8%highest quarter | 0.15 |
| Coins listed | from 350above the median | 76below the median | 89.5 |
| Maker fee | 0.25% to 1.99%highest quarter | 0.4%highest quarter | 0.1 |
Median across 222 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%.
Gemini
Pros
- Regulated on both sides of the Atlantic through NMLS (US state money transmitter licensing) and Malta Financial Services Authority (MFSA), so the licence can be checked rather than taken on trust
- Fiat deposits run by card, bank and ach, and the self-custody wallet itself costs $0
- Founded in 2014, with the exchange listing 76 coins and the wallet supporting 76
Cons
- On the ActiveTrader schedule, the taker fee of 0.8% and maker fee of 0.4% both sit above the typical rate of 0.25% here
- Support runs on email, help centre and community, with no phone line listed
- The wallet is browser based with no secure element, so it relies on passkey signing on-device
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.
Gemini
Who it suits
- US traders who want state money transmitter licensing alongside a European regulator, both named in NMLS (US state money transmitter licensing) and Malta Financial Services Authority (MFSA)
- European customers who want a home market entity: Gemini Intergalactic EU Ltd is based in Malta
- People who want to hold their own keys, since custody is self custody
Who should look elsewhere
- Cost-first traders, since the typical taker fee here is 0.25% and bunq runs 0.25% to 1.99%
- eToro and Vivid Plus customers, whose listed charges are 1% and 2.25%, when a licensed exchange listing 76 coins matters more
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
| Country | bunq | Gemini |
|---|---|---|
| Argentina | No | Yes |
| Australia | No | Yes |
| Austria | No | Yes |
| Bahamas | No | Yes |
| Bermuda | No | Yes |
| Bhutan | No | Yes |
| Brazil | No | Yes |
| Bulgaria | No | Yes |
8 of 65 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.
Gemini
How much does it cost to trade on Gemini?+
Trading runs on the ActiveTrader schedule, with a taker fee of 0.8% and a maker fee of 0.4%. Makers pay less than takers, so the cheaper side of the book is the one that adds to the order. The account itself costs $0, which keeps the charge in the trade.
Is Gemini regulated?+
Gemini is listed under NMLS (US state money transmitter licensing) and Malta Financial Services Authority (MFSA), which covers US state money transmitter licensing and the Malta Financial Services Authority. The European business is Gemini Intergalactic EU Ltd, based in Malta. The exchange also publishes proof of reserves, and the wallet gives self custody rather than platform custody.