Updated October 16, 2026 · VaultCue Editorial Team
Ant Bank vs bunq
bunq
Higher score in this comparison
Ant Bank
What sets them apart
| Compare | Ant BankReviewSee alternativesSee alternatives | bunqReviewVisitVisit |
|---|---|---|
| Monthly fee | Not confirmed | €0 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currency conversion fee | Not confirmed | 3% |
| Local account details | Not confirmed | IBAN |
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Our verdict on each
Ant Bank
Ant Bank’s 2024 accounts describe Ant Bank (Hong Kong) Limited as incorporated and domiciled in Hong Kong.
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.
Score breakdown
| Area | Ant Bank | bunq |
|---|---|---|
| Cost | Not confirmed | 9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. |
| Offer | Not confirmed | 9.1Rate of 3.01% that is variable, close to the savings median of 3%. |
| Trust | Not confirmed | 8.7 |
How they place
| Ranking | Ant Bank | bunq |
|---|---|---|
| Savings accounts | 674 of 1420 | 6 of 1420 |
Every fact side by side
| Fact | Ant Bank | bunq |
|---|---|---|
| Audience | Not confirmed | Expats, Travelers, Business, Student |
| Pricing model | Not confirmed | No monthly fee |
| Features | Not confirmed | Joint account, Digital only |
| Legal entity | Ant Bank (Hong Kong) | bunq B.V. |
| Headquarters | Not confirmed | Netherlands |
| Founded | Not confirmed | 2012 |
| Support channels | Not confirmed | Email, Chat, Help centre |
Savings
| Fact | Ant Bank | bunq |
|---|---|---|
| Headline rate | Not confirmed | 3.01% |
| Rate type | Not confirmed | Variable |
| Access terms | Not confirmed | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly |
| Account kind | Not confirmed | Easy access |
Where each stands against the rest
| Fact | Ant Bank | bunq | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | €0at the median | €0 |
| Currency conversion fee | Not confirmed | 3%highest quarter | 0.5% |
Median across 377 listed accounts.
Pros and cons
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
Ant Bank
Who it suits
- Readers checking Ant Bank’s incorporation and domicile as recorded in its 2024 accounts.
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.
Country by country
| Country | Ant Bank | bunq |
|---|---|---|
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Spain | No | Yes |
Questions about each
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.
Is my money protected if the provider fails?+
Yes. Deposits are covered at EU DGS up to EUR 100,000, so eligible balances sit under the EU deposit guarantee scheme. bunq is also supervised in the Netherlands by De Nederlandsche Bank, with authorisations in several other European markets, so there is a named regulator behind the account.
Can I take money out whenever I want?+
Withdrawals are free of charge within a monthly allowance, and any amount can be taken out rather than in set instalments. The number of free withdrawals allowed each month rises after the account has been open for a year, so the limit loosens over time. The account is easy access in kind, so there is no term and no notice period to serve.
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bunq
Ant Bank