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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

bunq Easy Bank Personal

Monese Starter

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
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

bunq Easy Money Personal

Monese Classic

bunq Easy Money Personal

Monese Classic

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

bunq Easy Green Personal

Monese Premium

bunq Easy Green Personal

Monese Premium

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
*We selected products from each provider that were the most comparable. You can find all available products on our review pages as well as the provider’s website.

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

Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Commerzbank Free current account
  • Management Fee

    0 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

0 €
3 to 4 business days

1

Receive €100 starting credit after 3 months of account activity

A current account with 0 € fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.
Nuri Bank Account
  • Management Fee

    0 €

  • Card delivery

    Up to 14 days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 14 days

1

Receive €10 when you apply for a Nuri bank account and card. T&C applies

A unique bank account and crypto-wallet managed through a user-friendly app with real-time spending notifications. Includes a free digital Mastercard.
N26 Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 10 working days

1

Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Vivid Standard
  • Management Fee

    0 €

  • Card delivery

    4-5 days

  • Supported currencies

    1

  • Mobile payments

0 €
4-5 days

1

A free bank account with fee-free payments and transfers globally. Enjoy up to 20€ cashback per month.
1822MOBILE Current Account
1822MOBILE Current Account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

Free account management, €20 when you open an account, up to €100 referral bonus and a free savings bank card: your current account 1822MOBILE offers all of this.
Openbank Free Current Account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

A free current account with free euro transfers within the eurozone. Includes a debit card with free cash withdrawals worldwide.
DKB-Cash: Free current account
  • Management Fee

    0 €

  • Card delivery

    Up to 7 business days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 7 business days

1

A current account with fees that comes with a free Visa credit card and free cash withdrawals worldwide.
Norisbank Top Current Account
  • Management Fee

    0 €

  • Card delivery

    5 to 7 working days

  • Supported currencies

    1

  • Mobile payments

0 €
5 to 7 working days

1

Benefit from a 0 € account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
Commerzbank StartKonto
  • Management Fee

    0 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

0 €
3 to 4 business days

1

A free current account for young people with a free Young Visa credit card. Cashbacks and discounts in more than 2,000 online shops.
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Compare up to 4 providers

Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Comdirect Bank Current Account
  • Management Fee

    4.90 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

4.90 €
N/A

1

A current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
N26 Metal
  • Management Fee

    16.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

16.90 €
Up to 10 working days

1

Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
Tomorrow Now
  • Management Fee

    3 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

3 €
3-5 business days

1

A free Visa debit card with free transactions across the globe and N/A for free.
TARGOBANK Online-Account
  • Management Fee

    3.95 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

3.95 €
N/A

1

An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
bunq Easy Green Personal
  • Management Fee

    17.99 €

  • Card delivery

    Up to working 10 days

  • Supported currencies

    19

  • Mobile payments

17.99 €
Up to working 10 days

19

An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every €100 you spend.
N26 Smart
  • Management Fee

    4.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

4.90 €
Up to 10 working days

1

A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Tomorrow Change
  • Management Fee

    7 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

7 €
3-5 business days

1

Manage your shared finances conveniently with Tomorrow’s mid-tier plan. Benefits include multiple sub-account, fee-free monthly cash withdrawals and more.
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Compare up to 4 providers

Please note these products are not licenced as banks. Check our product review pages for details.
Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Revolut Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 9 working days

  • Supported currencies

    27

  • Mobile payments

0 €
Up to 9 working days

27

Enjoy no monthly fee, no currency conversion fees up to 1.000 £ per month, and the ability to hold over 15 currencies in your account.
Wise Multicurrency Account
  • Management Fee

    0 €

  • Card delivery

    Up to 14 working days

  • Supported currencies

    19

  • Mobile payments

0 €
Up to 14 working days

19

Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
Revolut Plus
  • Management Fee

    2.99 €

  • Card delivery

    Up to 9 working days

  • Supported currencies

    25

  • Mobile payments

2.99 €
Up to 9 working days

25

Enjoy purchase, event ticket and returns protection, plus other innovative features with this lower-priced subscription plan.
Wirex Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 4 business days

  • Supported currencies

    12

  • Mobile payments

0 €
Up to 4 business days

12

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
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