Updated September 28, 2026 · SumCue Editorial Team
bunq vs Revolut
bunq
Revolut
Higher score in this comparison
bunq vs Revolut: the differences
| Compare | bunqReviewVisitVisit | RevolutReviewVisitVisit |
|---|---|---|
| Headline rate | 3.01% | 4%Higher |
| Minimum deposit | €10 | £0 |
| 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 | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Monthly fee | €0 | £0 |
| Regulators | De Nederlandsche Bank, SIPC | Cyprus Securities and Exchange Commission (CySEC), LT BL |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Revolut scores higher overall: 9.2 vs 8.8.
- Regulators: only bunq offers De Nederlandsche Bank, SIPC.
- Regulators: only Revolut offers Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Founded is lower at bunq: 2012 vs 2015.
- bunq is licensed in 4 more countries.
- Revolut is available in 22 more countries.
- Headline rate is higher at Revolut: 4% vs 3.01%.
- Support channels: only Revolut offers Chat, Phone.
- Pricing model: only bunq offers Monthly.
- Pricing model: only Revolut offers No monthly 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.
Revolut
Revolut suits people who want everyday banking, travel spending and easy-access savings in one app. Its debit account has a monthly fee of £0, a free ATM allowance of £200 and multi-currency, virtual-card and travel features, although its currency conversion fee can reach 0% to 2%.
Score breakdown
| Area | bunq | Revolut |
|---|---|---|
| Cost | 9.5HigherThe plan carries a monthly fee of €0 and an annual fee of €0, with deposits starting from €10. | 9.4The debit account has a monthly fee of £0, while its currency conversion fee is 0% to 2%. |
| Offer | 8.3 | 9.8HigherThe offer includes multi-currency, virtual-card and travel features, plus a headline savings rate of 4%. |
| Trust | 8.5 | 8.5 |
Where each is licensed and available
| Country | bunq | Revolut |
|---|---|---|
| Belgium | Nationale Bank van Belgie / Banque Nationale de Belgique (NBB) BE 0769.451.708 | Not confirmed |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| 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 |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| Netherlands | Not confirmed |
Available in 7 countries for both. Additional countries for Revolut: 22.
If neither fits
Finom has headline rate at 5%, against 3.01% for bunq and 4% for Revolut.
Finom reviewWhere these facts come from
bunq
- bunq.com: 7 facts, checked September 26, 2026
- help.bunq.com: 4 facts, checked September 26, 2026
- dnb.nl: 1 fact, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Revolut
- revolut.com: 8 facts, checked September 26, 2026
- esma.europa.eu: 3 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- pocketwise.co.uk: 1 fact, checked September 26, 2026
How they place
| Ranking | bunq | Revolut |
|---|---|---|
| Savings | 10 of 1492 | 22 of 1492 |
| Savings accounts | 7 of 658 | 14 of 658 |
| Credit and debit cards | 9 of 1594 | 24 of 1594 |
| Debit cards | 7 of 826 | 18 of 826 |
| Investing | 13 of 654 | 139 of 654 |
| Crypto | 7 of 428 | 20 of 428 |
| Crypto exchanges | 5 of 330 | 18 of 330 |
Every fact side by side
| Fact | bunq | Revolut |
|---|---|---|
| Pricing model | Monthly | No monthly fee |
| Legal entity | bunq B.V. | Revolut Digital Assets (Europe) Ltd |
| Headquarters | Netherlands | Cyprus |
| Founded | 2012Lower | 2015 |
| Support channels | Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Brokers
| Fact | bunq | Revolut |
|---|---|---|
| Markets | Stocks, ETFs, Crypto | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Features | Crypto, Fractional shares, Mobile app | Multi currency, Virtual card, Travel |
| Audience | Expats | Not confirmed |
| Currency conversion fee | 0.5% to 3% | 0% to 2%Lower |
| Platforms | Bunq app | Not confirmed |
| Account types | Not confirmed | ISA, Joint |
Debit cards
| Fact | bunq | Revolut |
|---|---|---|
| Free ATM withdrawals | Not confirmed | £200 |
| Card type | Debit | Debit |
| Card network | Mastercard | Visa |
| Currencies | 8 | 160Higher |
Crypto exchanges
| Fact | bunq | Revolut |
|---|---|---|
| Taker fee | 0.25% to 1.99% | 0.09%Lower |
| Coins listed | from 350 | 200 to 230 |
| Fiat deposit methods | Not confirmed | Card, Bank |
| Maker fee | 0.25% to 1.99% | 0%Lower |
| Withdrawal fee | Not confirmed | network fee plus service fee |
| Derivatives | Not confirmed | No |
| Exchange type | Cex | Cex |
Credit cards
| Fact | bunq | Revolut |
|---|---|---|
| Annual fee | €0 | €0 |
| APR | Not confirmed | 13.34% to 17.99% |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | 1.5 points per EUR1 |
| Card kind | Credit | Credit |
Loans
| Fact | bunq | Revolut |
|---|---|---|
| Loan types | Not confirmed | Personal |
Robo-advisors
| Fact | bunq | Revolut |
|---|---|---|
| Management fee | Not confirmed | 0% |
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | bunq | Revolut | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 4%above the median | 3.3% |
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%.
Revolut
Pros
- The debit account has a monthly fee of £0 and a free ATM allowance of £200.
- Savings offer instant access through the Revolut app, fee-free withdrawals and no withdrawal limits.
- The debit card includes multi-currency, virtual-card and travel features.
Cons
- Currency conversion fees can reach 0% to 2%, which may add cost when travelling or spending abroad.
- Crypto withdrawals carry network fee plus service fee.
- The savings rate is variable at variable, so the headline return may change.
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.
Revolut
Who it suits
- People who use Revolut for everyday spending and travel.
- Savings users wanting app-based easy access with fee-free withdrawals.
- Customers who want debit, credit, savings, investing and crypto services together.
Who should look elsewhere
- Wise users prioritising a lower stated currency conversion fee of 0.1%.
- Varo Believe Secured Credit Card users seeking a secured credit card rather than Revolut's debit and credit products.
- bunq users focused on comparing the stated monthly fee of €0 against Revolut's fee.
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 | Revolut |
|---|---|---|
| Austria | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 29 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.
Revolut
What is Revolut's debit card monthly fee?+
Revolut's debit account has a monthly fee of £0. The card is a debit card on the Visa network, with multi-currency, virtual-card and travel features included in the stated offer.
How much can I withdraw from Revolut ATMs?+
The stated free ATM allowance is £200. Revolut is ranked 15 for this measure among 124 listed brands.
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