Updated September 28, 2026 · SumCue Editorial Team
bunq vs Qonto
bunq
Higher score in this comparison
Qonto
What sets them apart
| Compare | bunqReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| Headline rate | 3.01%Higher | 1.5% |
| 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 to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month |
| Monthly fee | €0Lower | €9 |
| Account kind | Easy access | Cash management |
| Regulators | De Nederlandsche Bank, SIPC | Not confirmed |
Same on both: Rate type (Variable), Deposit protection (EU DGS up to EUR 100,000).
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Key differences
- bunq scores higher overall: 8.8 vs 8.6.
- Founded is lower at bunq: 2012 vs 2017.
- bunq is licensed in 6 more countries.
- Qonto is available in 1 more country.
- Minimum deposit is lower at Qonto: €0 vs €10.
- Monthly fee is lower at bunq: €0 vs €9.
- Headline rate is higher at bunq: 3.01% vs 1.5%.
- Support channels: only Qonto offers Chat, Phone.
- Pricing model: only bunq offers Monthly.
- Pricing model: only Qonto offers No annual fee.
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.
Qonto
Qonto suits businesses that want a low-cost Mastercard debit card with included card insurance and account remuneration. It is less suitable for frequent cash withdrawals or overseas spending, because free ATM withdrawals are €0 and currency conversion costs 2%.
Score breakdown
| Area | bunq | Qonto |
|---|---|---|
| Cost | 9.5HigherThe plan carries a monthly fee of €0 and an annual fee of €0, with deposits starting from €10. | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. |
| Offer | 8.3 | 9.4Higher |
| Trust | 8.5Higher | 8.4 |
Cost in a real example
10,000 saved for 12 months
bunq
€301
3.01% of 10,000 - 12 × €0
Qonto
€42
1.5% of 10,000 - 12 × €9
bunq comes out €259 ahead.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Which one suits you
Pick bunq if cost, headline rate, and monthly fee matter most.
Pick Qonto if minimum deposit matter most.
Availability and regulation
| Country | bunq | Qonto |
|---|---|---|
| France | Banque de France SIREN 893970970 | FR_ACPR PSD_PI FR_ACPR!68677 |
| Belgium | Nationale Bank van Belgie / Banque Nationale de Belgique (NBB) BE 0769.451.708 | Not confirmed |
| Germany | Not confirmed | |
| Ireland | Central Bank of Ireland 909737 | Not confirmed |
| Italy | Banca d'Italia MI - 2628476 | Not confirmed |
| Netherlands | Not confirmed | |
| Spain | Banco de Espana W0086933I | Not confirmed |
Available in 6 countries for both. Additional countries for bunq: 1. Additional countries for Qonto: 2.
How they place
| Ranking | bunq | Qonto |
|---|---|---|
| Savings | 10 of 1492 | 11 of 1492 |
| Savings accounts | 7 of 658 | 8 of 658 |
| Credit and debit cards | 9 of 1594 | 12 of 1594 |
| Debit cards | 7 of 826 | 10 of 826 |
Every fact side by side
| Fact | bunq | Qonto |
|---|---|---|
| Pricing model | Monthly | No annual fee |
| Legal entity | bunq B.V. | QONTO |
| Headquarters | Netherlands | France |
| Founded | 2012Lower | 2017 |
| Support channels | Email, Help centre | Chat, Phone, Email, Help centreCovers more |
Brokers
| Fact | bunq | Qonto |
|---|---|---|
| Markets | Stocks, ETFs, Crypto | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Features | Crypto, Fractional shares, Mobile app | Multi currency, Virtual card, Travel |
| Audience | Expats | Business |
| Currency conversion fee | 0.5% to 3%Lower | 2% |
| Platforms | Bunq app | Not confirmed |
Debit cards
| Fact | bunq | Qonto |
|---|---|---|
| Free ATM withdrawals | Not confirmed | €0 |
| Card type | Debit | Debit |
| Card network | Mastercard | Mastercard |
| Currencies | 8 | from 30 |
Crypto exchanges
| Fact | bunq | Qonto |
|---|---|---|
| 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 | Qonto |
|---|---|---|
| Annual fee | €0 | €0 |
| APR | Not confirmed | 17.5% |
| Rewards type | Not confirmed | None |
| Perks | Not confirmed | Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans), Apple Pay and Google Pay compatible, 24/7 support in France, 7 days a week elsewhere |
| Card kind | Credit | Credit |
Where each stands against the rest
| Fact | bunq | Qonto | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 1.5%lowest quarter | 3.3% |
| Minimum deposit | €10above the median | €0below the median | €1 |
| Monthly fee | €0at the median | €9highest quarter | €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%.
Qonto
Pros
- The Mastercard debit card has an annual fee of €0.
- Card insurance for travel, business purchases and fraud is included through Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Eligible Smart and Premium plans can receive account remuneration under the terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
Cons
- Qonto charges a monthly fee of €9, while bunq lists a monthly fee of €0.
- Free ATM withdrawals are €0, which may be costly for a business that regularly uses cash machines.
- The currency conversion fee of 2% is above the site median of 1%.
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.
Qonto
Who it suits
- Businesses that regularly use a Mastercard debit card for travel or business purchases.
- Smart and Premium plan customers who meet the remuneration terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Users who want chat, phone, email and help-centre support through chat, phone and email.
Who should look elsewhere
- Businesses focused on low cost that may prefer bunq, whose monthly fee is €0.
- Frequent overseas spenders who prefer Wise and want to compare its fee with Qonto's 2%.
- Cash-heavy businesses that want free ATM withdrawals, because Qonto offers €0.
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
Qonto
Current offer
Free trial
1-month free trial on all Qonto plans: 1 month free
Shown on Basic, Smart, Premium, Essential, Business and Enterprise plan cards on the pricing page.
Source, checked September 26, 2026
First period offer
Remunerated account: 5% AER for 2 months, then 1.5% AER: 5% AER for 2 months, then 1.5% AER
Smart and Premium plans; requires at least 5 eligible transactions per month; remunerated balance cap EUR 50,000 (Smart) or EUR 100,000 (Premium).
Source, checked September 26, 2026
Country by country
| Country | bunq | Qonto |
|---|---|---|
| Austria | No | Yes |
| Ireland | Yes | No |
| Portugal | No | Yes |
| Belgium | Yes | Yes |
| France | Yes | Yes |
| Germany | Yes | Yes |
| Italy | Yes | Yes |
| Netherlands | Yes | Yes |
8 of 9 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.
Qonto
What does Qonto charge each month?+
Qonto's account fee is €9. The Mastercard debit card itself has an annual fee of €0. The card also offers a deferred debit option on Plus and X Cards at no extra cost under Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
What does Qonto charge for currency conversion?+
Currency conversions cost 2%. This matters for business travel or purchases made outside the account's working currency. Qonto supports multi-currency features, but the conversion charge remains 2%.
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