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Updated September 29, 2026 · VaultCue Editorial Team

bunq Spain Bank Account vs Finom

bunq Spain Bank Account scores 8.7 and Finom 8.9 out of 10. Compare their differences and shared features below.
bunq Spain Bank Account

bunq Spain Bank Account

8.7/10
Visit
Finom

Finom

Higher score in this comparison

8.9/10
Visit

bunq Spain Bank Account vs Finom: the differences

bunq Spain Bank Account vs Finom
Comparebunq Spain Bank Accountbunq Spain Bank AccountReviewVisitVisitFinomFinomReviewVisitVisit
Currency conversion fee3%1%Lower
CurrenciesNot confirmed17
Free ATM withdrawalsNot confirmed€10,000
Transfer feeNot confirmedFree outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro)

Same on both: Monthly fee (€0), Deposit protection (EU DGS up to EUR 100,000), Local account details (IBAN).

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

  • Finom scores higher overall: 8.9 vs 8.7.
  • Founded is lower at bunq Spain Bank Account: 2012 vs 2019.
  • Finom is licensed in 1 more country.
  • Finom is available in 10 more countries.
  • Currency conversion fee is lower at Finom: 1% vs 3%.
  • Support channels: only Finom offers Email, Community.
  • Audience: only bunq Spain Bank Account offers Expats, Travelers, Student.
  • Audience: only Finom offers Freelancer.
  • Pricing model: only bunq Spain Bank Account offers Low FX.
  • Pricing model: only Finom offers Fixed rate.

Our verdict on each

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.

Read the full bunq Spain Bank Account review

Finom

Finom suits freelancers and small businesses that want a euro cash account with a set rate and instant access. A minimum deposit of €0 and local IBAN details make it easy to open, though the fixed rate will not follow the market and support runs on email, chat and help centre only.

Read the full Finom review

Score breakdown

bunq Spain Bank Account vs Finom
Areabunq Spain Bank AccountFinom
Cost8.7Conversion carries a 3% fee on top of a 3% markup, both above the 0.5% median, which is what holds the cost score down.9.3HigherCosts sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.
Offer8.79.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.
Trust8.6Higher8.2

How they place

bunq Spain Bank Account vs Finom
Rankingbunq Spain Bank AccountFinom
Savings accounts7 of 14201 of 1420
Business bank accounts4 of 5631 of 563

Spending 1,000 abroad

bunq Spain Bank Account

30

3% of 1,000

Finom

10

1% of 1,000

Finom comes out 20 lower in this example.

Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.

A third option

eToro has currency conversion fee at 0%, against 3% for bunq Spain Bank Account and 1% for Finom.

eToro review

Every fact side by side

bunq Spain Bank Account vs Finom
Factbunq Spain Bank AccountFinom
AudienceExpats, Travelers, Business, StudentBusiness, Freelancer
Pricing modelNo monthly fee, Low FXNo monthly fee, Fixed rate
FeaturesJoint account, Digital onlyFree ATM
Legal entitybunq B.V.PNL Fintech B.V.
HeadquartersNetherlandsNetherlands
Founded2012Lower2019
Support channelsChat, Help centreEmail, Chat, Help centre, CommunityCovers more

Savings

bunq Spain Bank Account vs Finom
Factbunq Spain Bank AccountFinom
Headline rate3.01%5%Higher
Rate typeVariableFixed
Minimum depositNot confirmed€0
Access termsWithdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weeklyInstant access, withdraw at any time with no withdrawal penalties
Account kindEasy accessCash management

Money transfer

bunq Spain Bank Account vs Finom
Factbunq Spain Bank AccountFinom
Exchange rate markup3%Not confirmed
Delivery timeInstantNot confirmed
Payout methodsBankNot confirmed

Where each stands against the rest

bunq Spain Bank Account vs Finom
Factbunq Spain Bank AccountFinomMedian
Monthly fee€0at the median€0at the median€0
Currency conversion fee3%highest quarter1%above the median0.5%
CurrenciesNot confirmed17highest quarter5
Free ATM withdrawalsNot confirmed€10,000highest quarter€1

Median across 536 listed accounts.

Pros and cons

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.

Finom

Pros

  • The minimum deposit is €0, so an account can be opened without a large opening balance.
  • The transfer fee leaves outgoing SEPA transfers free on the Solo plan within a monthly limit.
  • Local IBAN details sit alongside 17 currencies, so one account can take payments in several currencies.

Cons

  • The interest rate is fixed, so it will not rise with the market while most savings accounts here are variable (79%).
  • The transfer fee for outgoing international payments is higher on the Solo plan than on the Pro plan.
  • Deposit protection is EU DGS up to EUR 100,000, so any balance above that cap sits outside the scheme.

Who each suits

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.

Finom

Who it suits

  • Freelancers and sole traders who need local IBAN details and can move money the same day it arrives.
  • Small businesses paid in euros by clients abroad who want several currencies in one place.
  • Readers who want a set rate on working money rather than the highest variable rate on the table.

Who should look elsewhere

  • Anyone ranking purely on the headline figure, since Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%.
  • Variable rate savers, since 79% of the brands in this group pay a variable rate and the Finom rate is fixed.
  • Readers happy with a wallet and a smaller return, since PayPal Colombia lists 3.3%.

Current offers

Finom

Current offer

  • Bonus

    Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000

    Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply

    Source, checked September 26, 2026

  • Free trial

    30-day trial on paid plans: 30 days

    Paid Basic and Smart plans, excl. VAT; paid monthly or yearly

    Source, checked September 26, 2026

  • First period offer

    3 months for free for partners customers only: 3 months free

    Customers introduced through the Finom Partner Program

    Source, checked September 26, 2026

Country by country

bunq Spain Bank Account vs Finom
Countrybunq Spain Bank AccountFinom
AustriaNoYes
BelgiumNoYes
CyprusNoYes
FranceNoYes
GermanyNoYes
IrelandNoYes
ItalyNoYes
NetherlandsNoYes

8 of 11 countries where either is available.

Questions about each

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.

Finom

What does it cost to keep a Finom account?+

The monthly fee is €0 and the minimum deposit is €0, so there is no cost to holding a balance and no need for a large opening payment. The charge that matters is currency conversion at 1%, plus outgoing international payments, which cost more on the Solo plan than on the Pro plan.

Is my money protected if something goes wrong?+

Balances sit under the EU deposit guarantee scheme, with protection stated as EU DGS up to EUR 100,000. Finom is entered on the Dutch register as R180074 and on the Cypriot register as 456/25, so more than one supervisor is watching the business.

Other options to compare

Other matchups

bunq Spain Bank Account

Visit

Finom

Visit