Updated September 28, 2026 · VaultCue Editorial Team
bunq vs Current
bunq
Higher score in this comparison
Current
bunq vs Current: the differences
| Compare | bunqReviewVisitVisit | CurrentReviewVisitVisit |
|---|---|---|
| Headline rate | 3.01% | 0.25% to 4%Higher |
| Deposit protection | EU DGS up to EUR 100,000 | FDIC up to USD 250,000 |
| Access terms | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly | Savings Pods accessible on demand in the mobile app, no notice period, up to three pods |
| Monthly fee | €0 | $0 |
| Minimum deposit | Not confirmed | $0.010 |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- bunq is licensed in 6 more countries.
- bunq is available in 6 more countries.
- Headline rate is higher at Current: 0.25% to 4% vs 3.01%.
Our verdict on each
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.
Current
Current is a set-aside account for a teen in the US who wants a pot they can reach from the phone. The minimum deposit is $0.01 and the variable rate runs 0.25% to 4%, so the pay on savings can move as the provider adjusts it.
Score breakdown
| Area | bunq | Current |
|---|---|---|
| Cost | 9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. | 9.1Monthly fees on the easy-access account run at $0, transfers cost $0 - no bank transfer fees and conversion 3%. |
| Offer | 9.1HigherRate of 3.01% that is variable, close to the savings median of 3%. | 8.7 |
| Trust | 8.7 | Not confirmed |
Availability and regulation
| Country | bunq | Current |
|---|---|---|
| Belgium | Not confirmed | |
| France | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Not confirmed | |
| Italy | Not confirmed | |
| Netherlands | Not confirmed | |
| Spain | Not confirmed | |
| United States | Not confirmed | NMLS 2533115 |
Additional countries for bunq: 7. Additional countries for Current: 1.
Where they rank in our lists
| Ranking | bunq | Current |
|---|---|---|
| Savings accounts | 6 of 1420 | 27 of 1420 |
| Student, teen and kids accounts | 3 of 273 | 7 of 273 |
| Online banks | 3 of 402 | 10 of 402 |
If neither fits
Finom has headline rate at 5%, against 3.01% for bunq and 0.25% to 4% for Current.
Finom reviewWhat we checked
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
Current
- current.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | bunq | Current |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | bunq B.V. | Finco Services, Inc. dba Current |
| Headquarters | Netherlands | United States |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Chat, Help centre | Chat, Email, Help centre |
Everyday accounts
| Fact | bunq | Current |
|---|---|---|
| Currency conversion fee | 3% | 3% |
| Audience | Expats, Travelers, Business, Student | Teen |
| Features | Joint account, Digital only | Free ATM, Digital only, No credit check |
| Local account details | IBAN | Us ACH |
| Free ATM withdrawals | Not confirmed | $0 |
| Transfer fee | Not confirmed | $0 - no bank transfer fees |
Where each stands against the rest
| Fact | bunq | Current | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 0.25% to 4%above the median | 3.25% |
| Minimum deposit | Not confirmed | $0.010above the median | $0 |
Median across 658 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.
Current
Pros
- Deposits are covered by FDIC up to USD 250,000, which is the detail a new saver should check.
- The stated audience is teen, and the account kind is easy access.
- Pods open on demand in the mobile app with no notice period, so a set-aside stays flexible.
Cons
- The 0.25% to 4% range has a low floor, so a pod can earn very little for stretches.
- Support runs on chat, email and help centre, so there is no phone line for urgent questions.
- Currency conversion costs 3%, which makes it a weak base for holding travel money.
Who each suits
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
Who it suits
- A teen in the US starting to set money aside, since the stated audience is teen.
- Anyone happy to manage saving in the app, since pods run on demand with no notice period.
- US savers paid in dollars, with transfers moving over us ach.
Who should look elsewhere
- Plazo ES, whose headline rate of 24.19% sits well above the 0.25% to 4% range here.
- AXI Card Tarjeta y Credito, listed at 21.59% if a higher headline number is the goal.
- PayPal Colombia, listed at 3.3%, for anyone shopping only on the headline rate.
Current offers
Current
Current offer
Bonus
1% cash back on eligible Build Card purchases: 1% cash back
To earn Points you must receive at least one Eligible Payroll Deposit of at least $200 over a 35-day period and make Build Card purchases at retailers whose merchant code is in the selected categories in the app; points expire 365 days after they settle
Source, checked September 26, 2026
Country by country
| Country | bunq | Current |
|---|---|---|
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Spain | Yes | No |
| United States | 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.
Current
What does it cost to run a Current account?+
The monthly fee is $0 and the model is no monthly fee, so there is no standing charge to watch. Bank transfers are listed as $0 - no bank transfer fees. The cost that does apply is currency conversion at 3%, which matters if money is held or spent in another currency.
How do I move money in and out?+
Transfers run over us ach, so money moves through the US system. Bank transfers carry $0 - no bank transfer fees, and the minimum deposit is $0.01, so a small transfer is enough to open a pod and add to it later.
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