Updated September 29, 2026 · VaultCue Editorial Team
Airwallex vs bunq Spain Bank Account
Airwallex
bunq Spain Bank Account
Higher score in this comparison
What sets them apart
| Compare | AirwallexReviewVisitVisit | bunq Spain Bank AccountReviewVisitVisit |
|---|---|---|
| Headline rate | 2.18% to 3.83%Higher | 3.01% |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Airwallex Yield: no lock-up, no minimum balance, daily returns, funds settle to and from Yield balances within 2 business days | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly |
| Monthly fee | HK$2,499 | €0 |
| Minimum deposit | HK$0 | Not confirmed |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- bunq Spain Bank Account scores higher overall: 8.7 vs 8.6.
- Founded is lower at bunq Spain Bank Account: 2012 vs 2015.
- Airwallex is licensed in 4 more countries.
- Airwallex is available in 68 more countries.
- Headline rate is higher at Airwallex: 2.18% to 3.83% vs 3.01%.
- Support channels: only Airwallex offers Email.
- Support channels: only bunq Spain Bank Account offers Chat.
Our verdict on each
Airwallex
Airwallex Yield suits businesses that want idle operating cash to earn a variable rate without tying it up. The Hong Kong account charges a monthly fee of HKD 2,499 on top of a 2.18% to 3.83% rate, and the account is easy access, so the balance stays reachable.
bunq Spain Bank Account
bunq Spain Bank Account suits euro-area residents, expats, students and small businesses who want an app-based everyday account that pays interest on the balance. A monthly fee of €0 means no standing charge, the easy access structure keeps the money reachable, and the regulator sits in the Netherlands.
Score breakdown
| Area | Airwallex | bunq Spain Bank Account |
|---|---|---|
| Cost | 8.8HigherA monthly fee of HKD 2,499 sits above the €449 highest fee in the comparison, offset by a HKD 0 minimum. | 8.7Conversion carries a 3% fee on top of a 3% markup, both above the 0.5% median, which is what holds the cost score down. |
| Offer | 8.5 | 8.7Higher |
| Trust | 8.5 | 8.6Higher |
Licences and countries
| Country | Airwallex | bunq Spain Bank Account |
|---|---|---|
| Netherlands | De Nederlandsche Bank R179622 | |
| Australia | Not confirmed | |
| Hong Kong | Not confirmed | |
| Singapore | Monetary Authority of Singapore PS20200541 | Not confirmed |
| United Kingdom | Not confirmed |
Available in 1 country for both. Additional countries for Airwallex: 68.
Also worth a look
Finom has headline rate at 5%, against 2.18% to 3.83% for Airwallex and 3.01% for bunq Spain Bank Account.
Finom reviewWhere these facts come from
Airwallex
- airwallex.com: 7 facts, checked September 26, 2026
- help.airwallex.com: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- register.fca.org.uk: 1 fact, checked September 26, 2026
bunq Spain Bank Account
- bunq.com: 7 facts, checked September 26, 2026
- help.bunq.com: 3 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
How they place
| Ranking | Airwallex | bunq Spain Bank Account |
|---|---|---|
| Savings accounts | 3 of 1420 | 7 of 1420 |
| Business bank accounts | 2 of 563 | 4 of 563 |
| Money transfer services | 1 of 1564 | 3 of 1564 |
Every fact side by side
| Fact | Airwallex | bunq Spain Bank Account |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee, Low FX |
| Legal entity | Airwallex Capital Hong Kong Limited | bunq B.V. |
| Headquarters | Singapore | Netherlands |
| Founded | 2015 | 2012Lower |
| Support channels | Email, Help centre | Chat, Help centre |
Money transfer
| Fact | Airwallex | bunq Spain Bank Account |
|---|---|---|
| Transfer fee | Explore plan: $0 domestic (US/Canada) local transfer, $1-$7 per international local transfer, $15 SWIFT (SHA), $25 SWIFT (OUR) | Not confirmed |
| Exchange rate markup | 0.5% to 1%Lower | 3% |
| Delivery time | As little as 1 business day; 90%+ of transfers arrive same day | Instant |
| Payout methods | Bank | Bank |
| Currencies | from 20 | Not confirmed |
| Fee to send 1,000 | $1 | Not confirmed |
Everyday accounts
| Fact | Airwallex | bunq Spain Bank Account |
|---|---|---|
| Currency conversion fee | Not confirmed | 3% |
| Audience | Business | Expats, Travelers, Business, StudentCovers more |
| Features | Not confirmed | Joint account, Digital only |
| Local account details | Not confirmed | IBAN |
Where each stands against the rest
| Fact | Airwallex | bunq Spain Bank Account | Median |
|---|---|---|---|
| Headline rate | 2.18% to 3.83%above the median | 3.01%below the median | 3.25 |
| Minimum deposit | HK$0at the median | Not confirmed | HK$0 |
Median across 658 listed accounts.
Pros and cons
Airwallex
Pros
- Airwallex Yield has no lock-up and no minimum balance, with returns added daily and a short settlement window on and off the balance
- A variable rate of 2.18% to 3.83% with a minimum deposit of HKD 0
- Exchange rate margins of 0.5% to 1% sit under the 2.08% upper quartile for money services here
Cons
- A monthly fee of HKD 2,499 sits well above the €449 highest fee among the business accounts compared
- Support runs on email and help centre only
- The rate is variable, so the return can move rather than being locked in for a term
bunq Spain Bank Account
Pros
- A monthly fee of €0 a month, so there is no standing charge for keeping the account open.
- Deposit protection is EU DGS up to EUR 100,000, and De Nederlandsche Bank supervises the firm in the Netherlands.
- The easy access account pays a variable rate of 3.01%, with interest credited weekly.
Cons
- Currency conversion is the cost to watch: 3% to convert plus a 3% exchange rate markup, so spending abroad adds up.
- Support runs on chat and help centre only, so a blocked payment or a disputed transfer waits on a chat reply rather than a phone call.
- The rate is variable, so a reader planning around a known return for a fixed period has to accept the number can move.
Who each suits
Airwallex
Who it suits
- Businesses that keep spare cash in a easy access account and want a return without a lock-up
- Companies paying and collecting across borders, with from 20 currencies supported and margins of 0.5% to 1%
Who should look elsewhere
- Not for anyone after a card balance rate: AXI Card Tarjeta y Credito lists 21.59% and Plazo ES lists 24.19%, far above the 2.18% to 3.83% on business cash here
- Not for a consumer wallet: PayPal Colombia lists 3.3%, while this account is built for business customers with a HKD 2,499 monthly fee
bunq Spain Bank Account
Who it suits
- Euro-area residents and expats who want a local iban and no monthly charge of €0.
- Students and travelers who want a easy access balance paying 3.01% without locking the money away.
- Business customers who want to share an account and send Instant transfers from one app.
Who should look elsewhere
- Not for anyone who needs a phone line: support here runs on chat and help centre, so a reader who wants a voice should weigh Skrill instead.
- Not for savers chasing a fixed return, since the variable rate can move, and VaultLeap readers after a locked term should compare fixed-term savings.
Current offers
Airwallex
Current offer
Bonus
Limited offer - business rewards with Airwallex AI: Up to HK$68,888
Hong Kong site offer banner linking to the 2026 Airwallex AI rewards campaign page
Source, checked September 26, 2026
Country by country
| Country | Airwallex | bunq Spain Bank Account |
|---|---|---|
| Australia | Yes | No |
| Austria | Yes | No |
| Belgium | Yes | No |
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Canada | Yes | No |
| Cayman Islands | Yes | No |
| China | Yes | No |
8 of 69 countries where either is available.
Questions about each
Airwallex
What rate does the balance earn?+
Airwallex Yield pays a variable rate, currently 2.18% to 3.83%. The account kind is easy access, so the money is not tied to a term. Returns are added daily, and funds settle to and from Yield balances over a short settlement window.
Is there a minimum deposit or a lock-up?+
There is no lock-up and no minimum balance, and the stated minimum deposit is HKD 0. That makes the balance easy to try with a small sum and easy to top up or draw on. Cash moves to and from Yield balances across a short settlement window rather than on a fixed term.
bunq Spain Bank Account
What does bunq Spain Bank Account cost to keep?+
The monthly fee is €0, so there is no standing charge for holding it. The costs that do apply sit in currency conversion, where the fee is 3% and the exchange rate markup is 3%. For a euro-area account used mostly at home, the running cost is minimal.
Is my money protected and who regulates bunq?+
bunq B.V. is the legal entity behind the account, and it is supervised by De Nederlandsche Bank in the Netherlands. Deposit protection is EU DGS up to EUR 100,000, so eligible deposits sit under the EU deposit guarantee scheme rather than being held outside any scheme.
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