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Updated September 28, 2026 · VaultCue Editorial Team

Airwallex vs bunq

Airwallex scores 8.6 and bunq 8.9 out of 10. Compare their differences and shared features below.
Airwallex

Airwallex

8.6/10
Visit
bunq

bunq

Higher score in this comparison

8.9/10
Visit

Airwallex vs bunq: the differences

Airwallex vs bunq
CompareAirwallexAirwallexReviewVisitVisitbunqbunqReviewVisitVisit
Headline rate2.18% to 3.83%Higher3.01%
Deposit protectionFSCS up to GBP 85,000EU DGS up to EUR 100,000
Access termsAirwallex Yield: no lock-up, no minimum balance, daily returns, funds settle to and from Yield balances within 2 business daysWithdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly
Monthly feeHK$2,499€0
Minimum depositHK$0Not confirmed

Same on both: Rate type (Variable), Account kind (Easy access).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • bunq scores higher overall: 8.9 vs 8.6.
  • Founded is lower at bunq: 2012 vs 2015.
  • bunq is licensed in 2 more countries.
  • Airwallex is available in 62 more countries.
  • Headline rate is higher at Airwallex: 2.18% to 3.83% vs 3.01%.
  • Support channels: only bunq 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.

Read the full Airwallex review

bunq

bunq suits savers who want an easy-access euro account that costs nothing to keep and pays a variable rate with weekly interest, protected by an EU guarantee. The rate of 3.01% is solid rather than remarkable, and support runs on email, chat and help centre only.

Read the full bunq review

Score breakdown

Airwallex vs bunq
AreaAirwallexbunq
Cost8.8A monthly fee of HKD 2,499 sits above the €449 highest fee in the comparison, offset by a HKD 0 minimum.9.1HigherMonthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan.
Offer8.59.1HigherRate of 3.01% that is variable, close to the savings median of 3%.
Trust8.58.7Higher

Where they rank in our lists

Airwallex vs bunq
RankingAirwallexbunq
Savings accounts3 of 14206 of 1420
Business bank accounts2 of 5633 of 563

Choosing between them

Pick Airwallex if headline rate matter most.

Pick bunq if cost and offer matter most.

Availability and regulation

Airwallex vs bunq
CountryAirwallexbunq
Netherlands
AustraliaNot confirmed
BelgiumNot confirmed
FranceNot confirmed
GermanyNot confirmed
Hong KongNot confirmed
IrelandNot confirmed
ItalyNot confirmed

Available in 7 countries for both. Additional countries for Airwallex: 62.

A third option

Finom has headline rate at 5%, against 2.18% to 3.83% for Airwallex and 3.01% for bunq.

Finom review

Sources behind this comparison

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

  • bunq.com: 5 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

Every fact side by side

Airwallex vs bunq
FactAirwallexbunq
Pricing modelNot confirmedNo monthly fee
Legal entityAirwallex Capital Hong Kong Limitedbunq B.V.
HeadquartersSingaporeNetherlands
Founded20152012Lower
Support channelsEmail, Help centreEmail, Chat, Help centreCovers more

Money transfer

Airwallex vs bunq
FactAirwallexbunq
Transfer feeExplore plan: $0 domestic (US/Canada) local transfer, $1-$7 per international local transfer, $15 SWIFT (SHA), $25 SWIFT (OUR)Not confirmed
Exchange rate markup0.5% to 1%Not confirmed
Delivery timeAs little as 1 business day; 90%+ of transfers arrive same dayNot confirmed
Payout methodsBankNot confirmed
Currenciesfrom 20Not confirmed
Fee to send 1,000$1Not confirmed

Everyday accounts

Airwallex vs bunq
FactAirwallexbunq
Currency conversion feeNot confirmed3%
AudienceBusinessExpats, Travelers, Business, StudentCovers more
FeaturesNot confirmedJoint account, Digital only
Local account detailsNot confirmedIBAN

Where each stands against the rest

Airwallex vs bunq
FactAirwallexbunqMedian
Headline rate2.18% to 3.83%above the median3.01%below the median3.25
Minimum depositHK$0at the medianNot confirmedHK$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

Pros

  • The monthly fee is €0 and the pricing model is no monthly fee, so keeping the account open costs nothing each month.
  • Interest is paid weekly and the rate type is variable, so money keeps earning between withdrawals without a term to serve out.
  • Balances are covered by EU DGS up to EUR 100,000, so there is a payout route if the provider fails.

Cons

  • The rate type is variable, so the return follows the base rate and the account ranks 240 of 473 brands on the headline rate.
  • Support runs on email, chat and help centre only, which leaves phone callers with a narrower route in.
  • Features list joint account and digital only, so the service is digital only and there is no branch counter.

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

Who it suits

  • People who want an easy-access euro account that pays interest weekly and costs nothing to hold.
  • Travellers and expats, part of the expats, travelers and business bunq targets, who convert currency and want a local IBAN.
  • Students and savers who value EU DGS up to EUR 100,000 over a higher rate.

Who should look elsewhere

  • Anyone chasing a top fixed rate, since 24.19% at plazo pays far more.
  • Customers who need a phone helpline, as support runs on email, chat and help centre only.
  • Anyone wanting a branch counter, because features list joint account and digital only and the service is digital only.

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

Airwallex vs bunq
CountryAirwallexbunq
AustraliaYesNo
AustriaYesNo
BrazilYesNo
BulgariaYesNo
CanadaYesNo
Cayman IslandsYesNo
ChinaYesNo
Costa RicaYesNo

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

What does bunq charge to keep a savings account?+

The monthly fee is €0 and the account is priced on a no monthly fee basis, so there is no recurring charge to keep it open. The one cost to watch when you spend abroad is currency conversion at 3% on the free plan. Interest is still paid weekly with no fee deducted.

How much interest does the account pay?+

The rate is 3.01% and the rate type is variable, so the figure follows the base rate instead of being fixed to a term. Across the savings accounts on the site, the median headline rate is 3%, which puts bunq near the middle. Interest is credited weekly rather than monthly.

Other options to compare

Airwallex

Visit

bunq

Visit