Updated October 21, 2026 · VaultCue Editorial Team
BoursoBank vs bunq Spain Bank Account
bunq Spain Bank Account
BoursoBank
Higher score in this comparison
What sets them apart
| Compare | BoursoBankReviewSee alternativesSee alternatives | bunq Spain Bank AccountReviewVisitVisit |
|---|---|---|
| Currency conversion fee | 0%Lower | 3% |
| Local account details | Not confirmed | IBAN |
Same on both: Monthly fee (€0), Deposit protection (EU DGS up to EUR 100,000).
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Key differences
- BoursoBank scores higher overall: 9.4 vs 8.7.
- Founded is lower at BoursoBank: 1998 vs 2012.
- Currency conversion fee is lower at BoursoBank: 0% vs 3%.
- Support channels: only BoursoBank offers Email, Phone.
- Audience: only bunq Spain Bank Account offers Expats, Business, Student.
- Features: only bunq Spain Bank Account offers Joint account.
Our verdict on each
BoursoBank
BoursoBank suits anyone who wants a French bank with no monthly fee and free currency exchange abroad. Deposits sit under EU deposit guarantee, and the savings side pays a variable rate on an easy-access account. It is a good fit for travellers and for savers who want access at any time.
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 | BoursoBank | bunq Spain Bank Account |
|---|---|---|
| Cost | 9.4HigherMonthly fee of €0 and a conversion fee of 0%, plus a 1.5% to 2.5% variable rate on savings. | 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 | 9.8Higher | 8.7 |
| Trust | 9.1Higher | 8.6 |
How they place
| Ranking | BoursoBank | bunq Spain Bank Account |
|---|---|---|
| Savings accounts | 85 of 1420 | 7 of 1420 |
| Online banks | 18 of 402 | 4 of 402 |
Every fact side by side
| Fact | BoursoBank | bunq Spain Bank Account |
|---|---|---|
| Audience | Travelers | Expats, Travelers, Business, StudentCovers more |
| Pricing model | No monthly fee, Low FX | No monthly fee, Low FX |
| Features | Digital only | Joint account, Digital onlyCovers more |
| Legal entity | Boursorama SA | bunq B.V. |
| Headquarters | France | Netherlands |
| Founded | 1998Lower | 2012 |
| Support channels | Email, Phone, Chat, Help centreCovers more | Chat, Help centre |
Savings
| Fact | BoursoBank | bunq Spain Bank Account |
|---|---|---|
| Headline rate | 1.5% to 2.5% | 3.01%Higher |
| Rate type | Variable | Variable |
| Minimum deposit | €10 | Not confirmed |
| Access terms | Deposits and withdrawals free at any time, minimum balance EUR 10, up to 4 booklets, requires a BoursoBank current account | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | BoursoBank | bunq Spain Bank Account |
|---|---|---|
| Exchange rate markup | Not confirmed | 3% |
| Delivery time | Not confirmed | Instant |
| Payout methods | Not confirmed | Bank |
Where each stands against the rest
| Fact | BoursoBank | bunq Spain Bank Account | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €0at the median | €0 |
| Currency conversion fee | 0%below the median | 3%highest quarter | 0.5% |
Median across 377 listed accounts.
Pros and cons
BoursoBank
Pros
- Monthly fee of €0, in line with the site median of €0
- Currency conversion fee of 0%, against a site median of 0.5%
- Savings pays a variable rate of 1.5% to 2.5% with a minimum deposit of €10
Cons
- The savings account requires a BoursoBank current account
- The savings rate is variable, so it can move with the bank's rate decisions
- The account is digital-only, which suits people who bank mainly on screen
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
BoursoBank
Who it suits
- Travellers who spend and withdraw money abroad often
- Savers who want a variable rate and access to their money at any time
- Customers happy to run a current account to unlock the savings side
Who should look elsewhere
- Bit2Me, if you want a different kind of service, since its conversion fee is 0.95%
- bunq, if you prefer a set monthly plan, since its conversion fee is 3%
- Varo Visa Debit Card, if you would rather hold a card-led account with a monthly fee of $0
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.
Country by country
| Country | BoursoBank | bunq Spain Bank Account |
|---|---|---|
| France | Yes | No |
| Spain | No | Yes |
Questions about each
BoursoBank
What does BoursoBank charge each month?+
The monthly fee is €0, and the site median for monthly fees is €0. BoursoBank ranks at position 1 of 500 brands on this measure. The bank is run on a no monthly fee model.
What does it cost to spend money abroad?+
The currency conversion fee is 0%, against a site median of 0.5% and an upper quartile of 2.08%. BoursoBank places at position 1 of 312 brands. Travellers are one of the groups it aims at.
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.
Other options to compare
Other matchups
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bunq Spain Bank Account
BoursoBank