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Updated September 28, 2026 · VaultCue Editorial Team

bunq vs Finom

bunq scores 8.9 and Finom 8.9 out of 10. Compare their differences and shared features below.
bunq

bunq

Higher score in this comparison

8.9/10
Visit
Finom

Finom

8.9/10
Visit

bunq vs Finom: the differences

bunq vs Finom
ComparebunqbunqReviewVisitVisitFinomFinomReviewVisitVisit
Headline rate3.01%5%Higher
Rate typeVariableFixed
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
Minimum depositNot confirmed€0

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

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

  • Founded is lower at bunq: 2012 vs 2019.
  • bunq is licensed in 5 more countries.
  • Finom is available in 4 more countries.
  • Headline rate is higher at Finom: 5% vs 3.01%.
  • Support channels: only Finom offers Community.
  • Pricing model: only Finom offers Fixed rate.

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.

Read the full bunq 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 vs Finom
AreabunqFinom
Cost9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan.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%.
Offer9.1Rate of 3.01% that is variable, close to the savings median of 3%.9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.
Trust8.7Higher8.2

Where each is licensed and available

bunq vs Finom
CountrybunqFinom
Netherlands
BelgiumNot confirmed
CyprusNot confirmed
FranceNot confirmed
GermanyNot confirmed
IrelandNot confirmed
ItalyNot confirmed
SpainNot confirmed

Available in 7 countries for both. Additional countries for Finom: 4.

What it costs in practice

10,000 saved for 12 months

bunq

€301

3.01% of 10,000 - 12 × €0

Finom

€500

5% of 10,000 - 12 × €0

Finom comes out €199 ahead.

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

Pick bunq if, pick Finom if

Pick bunq if trust matter most.

Pick Finom if offer and headline rate matter most.

What 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

Finom

  • finom.co: 12 facts, checked September 26, 2026

How they place

bunq vs Finom
RankingbunqFinom
Savings accounts6 of 14201 of 1420
Business bank accounts3 of 5631 of 563

Every fact side by side

bunq vs Finom
FactbunqFinom
Pricing modelNo monthly feeNo monthly fee, Fixed rateCovers more
Legal entitybunq B.V.PNL Fintech B.V.
HeadquartersNetherlandsNetherlands
Founded2012Lower2019
Support channelsEmail, Chat, Help centreEmail, Chat, Help centre, CommunityCovers more

Everyday accounts

bunq vs Finom
FactbunqFinom
Currency conversion fee3%1%Lower
CurrenciesNot confirmed17
AudienceExpats, Travelers, Business, StudentBusiness, Freelancer
FeaturesJoint account, Digital onlyFree ATM
Local account detailsIBANIBAN
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)

Where each stands against the rest

bunq vs Finom
FactbunqFinomMedian
Headline rate3.01%below the median5%above the median3.25%
Minimum depositNot confirmed€0below the median€1
Monthly fee€0at the median€0at 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.

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

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.

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 vs Finom
CountrybunqFinom
AustriaNoYes
CyprusNoYes
PolandNoYes
PortugalNoYes
BelgiumYesYes
FranceYesYes
GermanyYesYes
IrelandYesYes

8 of 11 countries where either is available.

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.

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

Visit

Finom

Visit