Revolut vs Wise (TransferWise)
Die kostenlosen Konten von Wise und Revolut im Vergleich. Beide sind für Auslandsüberweisungen und -zahlungen gut geeignet.
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bunq vs Monese
Two of Germany's challenger finance apps compared side by side to help you find the right account for you.
Digital banking is increasing in popularity thanks to a range of easy to use smartphone apps and services that give you a bank in the palm of your hand, with no need to ever step foot into a physical branch. bunq and Monese will cover your basic money needs, as well as including some extra features, such as ethical investing (bunq) or no-cost foreign spending (Monese). Both companies feature quick and easy management of funds through simple to use smartphone apps or online portals, which also cuts down on fees since you don’t have to deal with a branch. Compare the expansive range of features below.
Quick review: bunq and Monese
bunq is a 100% app-based neobank that offers a wide range of features to help users manage their money and understand their spending habits. It offers personal and business accounts, with a total of four personal account options — including a savings account. If you’re looking for a personal bank account you can choose from bunq Easy Bank, Easy Money and Easy Green and Easy Savings.
Monese is a challenger app from the UK that allows anyone hold and manage an account in the UK from your phone. You don’t need to have an address in the UK to open an account, you just need to live in the European Economic Area (EEA). Monese offers three account tiers Monese Simple, Monese Classic and Monese Premium. All tiers give you a dual currency account with Euro and GB payments supported.
bunq vs Monese in Germany
bunq Easy Bank Personal |
Monese Starter |
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| OVERVIEW | ||
| Description | Benefit from zero FX fees, bill splitting facility, and a wide range of advance payment features with this low-cost digital account. | A dual currency account with no foreign currency fees up to €2,000 per month. Features include budgeting tools and multilingual support. |
| Monthly fees: | 2.99 € | 0 € |
| Joint accounts | No | Yes |
| FEES | ||
| Card fee | 9.99 € | 4.95 € |
| ATM withdrawals | N/A |
N/A |
| Fee-free currency conversion limit | N/A |
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| EXTRA FEATURES | ||
| Security | Lock and unlock your phone Virtual cards PIN required in each transaction Real-time notifications PIN protected Cards |
Deposit protection Real-time notifications FCA registered company Log out after 20 min. inactivity Manually authorizes access devices |
| Benefits | Payment notifications Bill splitting Virtual cards Fast transfers Web app |
Payment notifications Fast transfers No proof of address required Direct debits |
| Interest earning accounts | Account with no interest earned |
Account with no interest earned |
| Learn more |
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bunq Easy Money Personal |
Monese Classic |
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| OVERVIEW | ||
| Description | A card linked to up to 25 individual IBAN accounts. Earn interest on all money in your account and benefit from competitive rates and fees. | A dual currency card designed for travellers with no foreign currency fees up to and foreign transfers in several currencies. |
| Monthly fees: | 8.99 € | 5.95 € |
| Joint accounts | Yes | Yes |
| FEES | ||
| Card fee | 9.99 € | 0 € |
| ATM withdrawals | 4 withdrawals per month | 900 € per month |
| Fee-free currency conversion limit | N/A |
Unlimited |
| EXTRA FEATURES | ||
| Security | Set card limits PIN required in each transaction Card blocking function Real-time notifications European banking license |
Deposit protection Card blocking function Real-time notifications FCA registered company Log out after 20 min. inactivity Manually authorizes access devices |
| Benefits | Payment notifications Virtual cards Fast transfers Web app Open multiple bank accounts |
Payment notifications Fast transfers Open multiple bank accounts No proof of address required Direct debits |
| Interest earning accounts | Account with interest earned |
Account with no interest earned |
| Learn more |
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bunq Easy Green Personal |
Monese Premium |
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| OVERVIEW | ||
| Description | An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every €100 you spend. | A premium card with no fee for international payments, no foreign currency fees and unlimited ATM withdrawals at home and abroad. |
| Monthly fees: | 17.99 € | 14.95 € |
| Joint accounts | Yes | Yes |
| FEES | ||
| Card fee | 9.99 € | 0 € |
| ATM withdrawals | First 4 withdrawals per month | 2500 € |
| Fee-free currency conversion limit | Unlimited | Unlimited |
| EXTRA FEATURES | ||
| Security | PIN required in each transaction Card blocking function Real-time notifications European banking license |
Deposit protection Card blocking function Real-time notifications European banking license PIN protected Cards FCA registered company Access code required Log out after 20 min. inactivity |
| Benefits | Payment notifications Spending categorisation Fast transfers Web app |
Payment notifications Fast transfers Web app Open multiple bank accounts No proof of address required Direct debits |
| Interest earning accounts | Account with interest earned |
Account with no interest earned |
| Learn more |
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bunq or Monese?
Overall both apps are similar with their offerings – the digital bank experience straight from your smartphone, competitive rates on overseas spending and a modest variety of account options including business and shared.
However, bunq stands out as the premier option for users who want deeply nuanced control over their funds, as well as on the record-keeping & accounting side of things too. Each account offers 25 unique bank account and IBAN numbers across 16 currencies, which can be increased to 50 for a fee. Couple this with software that is constantly tracking your incomings and outgoings, a modest ecosystem of interoperable apps, and a no-fee savings account option and you’ve got quite a powerful banking experience in the palm of your hand. Unfortunately, though, you will need proof of residence to sign up – something that Monese users don’t need to worry about.
This leaves Monese as an excellent option for customers with more casual needs, especially considering that it offers a free account which includes a debit card. New users only need a mobile phone number and ID to sign up, which makes it an excellent choice for travellers or expats, as well as young people looking to open their first account. Monese also offers accounts in both Euros and GBP, which makes it a strong option for anyone that does a lot of cross-border travel or business.
Compare a range of digital banks in Germany
Please note these products are not licenced as banks. Check our product review pages for details.
Frequently asked questions (FAQs)
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