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Revolut vs bunq

Compare these popular digital banks and pick the right one for you.

Revolut and bunq are both booming digital banks in the Netherlands. Each of these providers offers low-cost money management tools through intuitive apps. Whether you choose Revolut or bunq, you may rest assured that you’ll enjoy a range of useful features including quick international transfers, easy savings schemes and security-enhancing tools. However, there are some that you should take note of when comparing Revolut vs bunq, including the availability of crypto transfers, ability to accumulate interest on your savings and a whole other host of factors.

This guide provides a side-by-side comparison of Revolut vs bunq, to help you choose the best digital bank for you.

Quick Review: Revolut vs bunq

  • Revolut offers a digital banking app that helps you send, receive and manage your money in a few swipes. Revolut accounts come in three different tiers: Standard, Premium and Metal. The Standard account, which is Revolut’s free account, comes with basic features such as free currency conversions, ATM withdrawals and spending insights. Revolut’s paid Revolut accounts are the Premium and Metal accounts and come with extra perks including more lenient limits on ATM withdrawals or currency conversions. Regardless of which account you pick, all Revolut accounts come with a free IBAN account, current account and card. You may use your account to spend in more than 150 currencies and exchange 29 fiat currencies.
  • bunq is a convenient digital banking tool that helps you save and spend money easily. When banking with bunq, you may choose 1 of 2 premium accounts that come with a monthly fee of €8.99. You may use an Easy Money account to create multiple IBAN bank accounts, earn interest on your savings, transfer money abroad or even upgrade to an Easy Green membership for eco-friendly card schemes. Alternatively, you may also choose the most affordable bunq Easy Bank card that comes with a range of basic payment features. bunq also offers an Easy Savings account — a no-fee account that pays a monthly interest of 0.09%.

Breakdown of Revolut vs bunq

Revolut Standard

bunq Easy Bank Personal

Revolut Standard

bunq Easy Bank Personal

OVERVIEW
Description Enjoy no monthly fee, no currency conversion fees up to € 1,000 per month and the ability to hold up to 16 currencies in your account. Benefit from zero FX fees, bill splitting facility, and a wide range of advance payment features with this low-cost digital account.
Supported devices: iPhone
Android
iPhone
Android
Savings function Interest earned
Interest earned
Insurance Overseas medical
Baggage delay
Flight delay
Winter sports
Car rental

Purchase protection
N/A
Customer Support In-app
In-app
Web-based chatbot
Benefits Bill splitting
Spending categorisation
Spending categorisation
Fast transfers
Web app
SPEED
Card delivery Up to 9 working days Up to 10 working days
FEES
Monthly fee € 0 € 2.99
SEPA transfers € 0
International transfers € 5
ATM fee € 1 € 2.99
FEE-FREE LIMITS
ATM withdrawals free limit €200 per month The first 5 withdrawals cost € 0.99 per month
No-fee currency conversion limit 0% 0%
Free international transfer limit N/A N/A
Security
Security Card freeze feature
Real-time notifications
Customisable card security settings
Location-based security
Deposit protection
2FA authentication
Card freeze feature
Real-time notifications
Fingerprint login
Learn more

Revolut Premium

bunq Easy Money Personal

Revolut Premium

bunq Easy Money Personal

OVERVIEW
Description A combined current account and IBAN account with unlimited free currency conversions and international transfers in 30 currencies. 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.
Supported devices: iPhone
Android
iPhone
Android
Savings function Interest earned
Interest earned
Insurance Overseas medical
Baggage delay
Flight delay
Winter sports
Car rental
Purchase protection
N/A
Customer Support In-app
In-app
Web-based chatbot
Benefits Bill splitting
Lounge access
Insurance covers
Concierge
Fast transfers
Web app
Virtual cards
Open multiple bank accounts
SPEED
Card delivery Up to 3 working days Up to 10 working days
FEES
Monthly fee € 7.99 € 8.99
SEPA transfers € 0 € 0
International transfers € 5
ATM fee € 1 € 2.99
FEE-FREE LIMITS
ATM withdrawals free limit €400 per month First four withdrawals per month are free, the five after are € 0.99
No-fee currency conversion limit 0% 0%
Free international transfer limit 1 per month Not applicable
Security
Security Card freeze feature
Real-time notifications
Customisable card security settings
Location-based security
Deposit protection
2FA authentication
Real-time notifications
Fingerprint login
Learn more

Revolut Metal

bunq Easy Green Personal

Revolut Metal

bunq Easy Green Personal

OVERVIEW
Description A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more. An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every € 100 you spend.
Supported devices: iPhone
Android
iPhone
Android
Savings function Interest earned
Interest earned
Insurance Overseas medical
Winter sports
Car rental
Purchase protection
N/A
Customer Support In-app
In-app
Web-based chatbot
Benefits Spending categorisation
Lounge access
Insurance covers
Concierge
Fast transfers
Web app
Bill splitting
Web app
SPEED
Card delivery Up to 3 working days Up to 10 working days
FEES
Monthly fee € 13.99 € 17.99
SEPA transfers € 0 € 0
International transfers € 5
ATM fee € 1 € 2.99
FEE-FREE LIMITS
ATM withdrawals free limit €800 per month First four withdrawals per month are free, the five after are €0.99
No-fee currency conversion limit 0% 0%
Free international transfer limit 3 per month Not applicable
Security
Security Card freeze feature
Real-time notifications
Customisable card security settings
Location-based security
Deposit protection
2FA authentication
Real-time notifications
Fingerprint login
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.
Disclaimer: The products listed on this page are not representative of the whole market.
*To be eligible, open the account by 15 February 2021 and deposit at least €300 by 8 March 2021. New customers only. Use the code VALENTIJN40.

Verdict

On the surface, Revolut and bunq both offer plenty of similar features and perks for their users. Each of these digital banks offers easy payment solutions, saving schemes, low-cost currency conversion, and ATM withdrawals.

Revolut stands out by offering an affordable, free account with competitive features. It offers intuitive app features such as spending insights, split-bill functionality and Vault savings features. In addition to this, Revolut is definitely a great digital bank for individuals interested in buying cryptocurrency. Few other digital banks offer this functionality. However, the downsides of using Revolut involve the caps and restrictions associated with ATM withdrawals and foreign exchanges, as well as mark-ups on select currency conversion fees.

bunq, on the other hand, is a great option for individuals interested in setting up multiple IBAN accounts. It offers cheap international transfers and interest on savings in your account. Its separate savings account, bunq Easy Savings, is also a good option to consider. This makes it more like a standard bank account than Revolut. Besides this, bunq is offered in 6 different languages which could appeal to you if English is not your first language. However, bunq’s higher-tier Easy Green account is more expensive than Revolut’s Metal account.

Ultimately, both of these digital banks offer competitive features that cater to a range of financial needs. The best digital bank for you thus depends on your current financial situation and purpose for opening an account. For example, a crypto-buyer would prefer Revolut while a non-native English speaker might prefer bunq for its platform. For a more comprehensive review of each of these digital banks, check out our full review of Revolut and bunq in the Netherlands.

Looking for more options? Compare a range of digital banks in the Netherlands

1 - 9 of 9
Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
Wirex Standard
  • Monthly fee

    € 0

  • Card delivery

    Up to 4 business days

  • Mobile payments

  • Supported currencies

    12

€ 0
Up to 4 business days
Apple Pay, Google Pay

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.
N26 Bank Account
  • Monthly fee

    € 0

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 0
Up to 10 working days
Apple Pay, Google Pay

1

Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Wise Multicurrency Account
Wise Multicurrency Account
  • Monthly fee

    € 0

  • Card delivery

    Up to 14 working days

  • Mobile payments

  • Supported currencies

    17

€ 0
Up to 14 working days
Apple Pay, Google Pay

17

Wise (formerly TransferWise) is an international account for over 50 currencies, with instant, super-cheap money transfer, a card to spend in any currency, bank details to get paid in 30 different countries and multi-currency direct debits.
Revolut Standard
  • Monthly fee

    € 0

  • Card delivery

    Up to 9 working days

  • Mobile payments

  • Supported currencies

    20

€ 0
Up to 9 working days
Apple Pay, Google Pay

20

Enjoy no monthly fee, no currency conversion fees up to € 1,000 per month and the ability to hold up to 16 currencies in your account.
Openbank Open Payment Account
  • Monthly fee

    € 0

  • Card delivery

    N/A

  • Mobile payments

  • Supported currencies

    1

€ 0
N/A
Apple Pay, Google Pay

1

An open payment account with € 0 fees and free domestic and EU transfers. Includes a free debit card with travel benefits.
Nuri
  • Monthly fee

    € 0

  • Card delivery

    Up to 14 days

  • Mobile payments

  • Supported currencies

    1

€ 0
Up to 14 days
Apple Pay, Google Pay, Samsung Pay

1

Invest in cryptocurrencies and enjoy up to 5% interest per year on Bitcoin deposits with this digital bank account
VIALET Current Account
  • Monthly fee

    € 0

  • Card delivery

    Up to 7 working days

  • Mobile payments

  • Supported currencies

    1

€ 0
Up to 7 working days
Apple Pay, Google Pay

1

An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
Vivid Standard
  • Monthly fee

    € 0

  • Card delivery

    4-5 days

  • Mobile payments

  • Supported currencies

    1

€ 0
4-5 days
Apple Pay, Google Pay

1

A free bank account with fee-free payments and transfers globally. Enjoy up to 10% cashback per month.
Monese Starter
  • Monthly fee

    € 0

  • Card delivery

    Up to 3 working days

  • Mobile payments

  • Supported currencies

    2

€ 0
Up to 3 working days
Apple Pay, Google Pay

2

A dual currency account with no foreign currency fees up to N/A. Features include budgeting tools and multilingual support.
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Compare up to 4 providers

1 - 17 of 17
Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
Wirex Premium
  • Monthly fee

    € 9.99

  • Card delivery

    Up to 4 business days

  • Mobile payments

  • Supported currencies

    12

€ 9.99
Up to 4 business days
Apple Pay, Google Pay

12

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

Enjoy revolutionary digital payment features on-the-go, plus exclusive merchant deals and higher rewards when you spend on your Wirex card.
bunq Easy Money Personal
  • Monthly fee

    € 8.99

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    19

€ 8.99
Up to 10 working days
Apple Pay, Google Pay, Fitbit Pay, iDEAL

19

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.
N26 Metal
  • Monthly fee

    € 16.90

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 16.90
Up to 10 working days
Apple Pay, Google Pay

1

Receive a stainless steel Metal card available in 3 shades, an insurance package, exclusive offers, and great rates and fees.
bunq Easy Bank Personal
  • Monthly fee

    € 2.99

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    19

€ 2.99
Up to 10 working days
Apple Pay, Google Pay, Fitbit Pay, iDEAL

19

Benefit from zero FX fees, bill splitting facility, and a wide range of advance payment features with this low-cost digital account.
Revolut Plus
  • Monthly fee

    € 2.99

  • Card delivery

    Up to 9 working days

  • Mobile payments

  • Supported currencies

    20

€ 2.99
Up to 9 working days
Apple Pay, Google Pay

20

A Revolut Plus account gives you the security of all your online purchases with the purchase guarantee, interest on your savings, and many more extras for just a small amount per month
N26 You
  • Monthly fee

    € 9.90

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 9.90
Up to 10 working days
Apple Pay, Google Pay

1

A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
Revolut Premium
  • Monthly fee

    € 7.99

  • Card delivery

    Up to 3 working days

  • Mobile payments

  • Supported currencies

    20

€ 7.99
Up to 3 working days
Apple Pay, Google Pay

20

A combined current account and IBAN account with unlimited free currency conversions and international transfers in 30 currencies.
Wirex Elite
  • Monthly fee

    € 29.99

  • Card delivery

    Up to 4 business days

  • Mobile payments

  • Supported currencies

    12

€ 29.99
Up to 4 business days
Apple Pay, Google Pay

12

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

Access supercharged rewards and curated merchant offers in addition to standard Wirex digital payment features and travel card.
bunq Easy Green Personal
  • Monthly fee

    € 17.99

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    19

€ 17.99
Up to 10 working days
Apple Pay, Google Pay, Fitbit Pay, iDEAL

19

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

    € 4.95

  • Card delivery

    Up to 10 working days

  • Mobile payments

  • Supported currencies

    1

€ 4.95
Up to 10 working days
Apple Pay, Google Pay

1

A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Revolut Metal
  • Monthly fee

    € 13.99

  • Card delivery

    Up to 3 working days

  • Mobile payments

  • Supported currencies

    20

€ 13.99
Up to 3 working days
Apple Pay, Google Pay

20

A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more.
VIABUY Online Account
  • Monthly fee

    € 1.66

  • Card delivery

    Within 24 hours

  • Mobile payments

  • Supported currencies

    1

€ 1.66
Within 24 hours
Apple Pay, Google Pay

1

A secure, prepaid card that lets you spend worldwide. No credit checks and receive your card within 24 hours.
Triodos Internet Payment Account
Triodos Internet Payment Account
  • Monthly fee

    € 5

  • Card delivery

    N/A

  • Mobile payments

    • Supported currencies

      1

    € 5
    N/A
    iDEAL

    1

    A Triodos internet payment account is an online and mobile banking services for those who want to change the world for the better.
    Monese Premium
    • Monthly fee

      € 14.95

    • Card delivery

      Up to 3 working days

    • Mobile payments

    • Supported currencies

      2

    € 14.95
    Up to 3 working days
    Apple Pay, Google Pay

    2

    A premium card with no fee for international payments, no foreign currency fees and unlimited ATM withdrawals at home and abroad.
    Vivid Premium
    • Monthly fee

      € 9.90

    • Card delivery

      4-5 days

    • Mobile payments

    • Supported currencies

      1

    € 9.90
    4-5 days
    Apple Pay, Google Pay

    1

    A premium bank account with maximised cashback rewards on everyday spending online and in store, including up to 100€ cashback per month.
    Monese Classic
    • Monthly fee

      € 5.95

    • Card delivery

      Up to 3 working days

    • Mobile payments

    • Supported currencies

      2

    € 5.95
    Up to 3 working days
    Apple Pay, Google Pay

    2

    A dual currency card designed for travellers with no foreign currency fees up to Unlimited and foreign transfers in 8 currencies.
    Knab Plus
    Knab Plus
    • Monthly fee

      € 5

    • Card delivery

      3 to 5 working days

    • Mobile payments

    • Supported currencies

      1

    € 5
    3 to 5 working days
    Apple Pay

    1

    Get your complete banking package via the app for only € 5 a month and enjoy multiple (saving) accounts and even a free credit card if you wish.
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    1 - 1 of 1
    Name Product Mobile View Digital Banks EN Monthly fee Card delivery Mobile payments Supported currencies
    Openbank Я42 Debitcard
    • Monthly fee

      € 7.99

    • Card delivery

      N/A

    • Mobile payments

    • Supported currencies

      1

    € 7.99
    N/A
    Apple Pay, Google Pay

    1

    With the Openbank Я42 debit card you can easily spend money worldwide. In addition, for only € 7.99 you can travel stress-free thanks to the flexible travel card plan, which also immediately insures you.
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    Disclaimer: The products listed on this page are not representative of the whole market.

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