Updated October 21, 2026 · VaultCue Editorial Team
BoursoBank vs bunq
bunq
BoursoBank
Higher score in this comparison
Where BoursoBank and bunq differ
| Compare | BoursoBankReviewSee alternativesSee alternatives | bunqReviewVisitVisit |
|---|---|---|
| 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 8.9.
- Founded is lower at BoursoBank: 1998 vs 2012.
- bunq is available in 6 more countries.
- Currency conversion fee is lower at BoursoBank: 0% vs 3%.
- Support channels: only BoursoBank offers Phone.
- Audience: only bunq offers Expats, Business, Student.
- Pricing model: only BoursoBank offers Low FX.
- Features: only bunq 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
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 | BoursoBank | bunq |
|---|---|---|
| Cost | 9.4HigherMonthly fee of €0 and a conversion fee of 0%, plus a 1.5% to 2.5% variable rate on savings. | 9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. |
| Offer | 9.8Higher | 9.1Rate of 3.01% that is variable, close to the savings median of 3%. |
| Trust | 9.1Higher | 8.7 |
How they place
| Ranking | BoursoBank | bunq |
|---|---|---|
| Savings accounts | 85 of 1420 | 6 of 1420 |
| Online banks | 18 of 402 | 3 of 402 |
Every fact side by side
| Fact | BoursoBank | bunq |
|---|---|---|
| Audience | Travelers | Expats, Travelers, Business, StudentCovers more |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| 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 | Email, Chat, Help centre |
Savings
| Fact | BoursoBank | bunq |
|---|---|---|
| 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 |
Where each stands against the rest
| Fact | BoursoBank | bunq | 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
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
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
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 | BoursoBank | bunq |
|---|---|---|
| Belgium | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Spain | No | Yes |
| France | Yes | 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
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.
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bunq
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