Updated September 29, 2026 · VaultCue Editorial Team
bunq vs PayPal Colombia
bunq
PayPal Colombia
Higher score in this comparison
bunq vs PayPal Colombia: the differences
| Compare | bunqReviewVisitVisit | PayPal ColombiaReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 3.01% | 3.3%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 | On PayPal.com or the PayPal app with 24/7 access; deposits pull via PayPal Balance from a linked debit card or confirmed bank account, and withdrawals go back to PayPal Balance first |
| Monthly fee | €0 | $0 |
| Minimum deposit | Not confirmed | $0 |
Same on both: Rate type (Variable), Account kind (Easy access).
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
- PayPal Colombia scores higher overall: 9.2 vs 8.9.
- Founded is lower at PayPal Colombia: 1998 vs 2012.
- bunq is available in 6 more countries.
- Headline rate is higher at PayPal Colombia: 3.3% vs 3.01%.
- Support channels: only bunq offers Chat, Help centre.
- Support channels: only PayPal Colombia offers Phone.
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.
PayPal Colombia
PayPal suits expats, travellers and small businesses who want to send money from their balance at no charge and see it land in Seconds. The cost sits in conversion, where a fee of 3% to 4% and a 3% to 4% exchange rate markup both apply, and the 3.3% rate is variable.
Score breakdown
| Area | bunq | PayPal Colombia |
|---|---|---|
| Cost | 9.1HigherMonthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. | 9.0Transfer fee of $0 from a balance, but conversion costs 3% to 4% with a 3% to 4% markup. |
| Offer | 9.1HigherRate of 3.01% that is variable, close to the savings median of 3%. | 8.8 |
| Trust | 8.7 | 9.6Higher |
Choosing between them
Pick bunq if offer matter most.
Pick PayPal Colombia if trust and headline rate matter most.
Availability and regulation
| Country | bunq | PayPal Colombia |
|---|---|---|
| Belgium | Not confirmed | |
| France | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Not confirmed | |
| Italy | Not confirmed | |
| Netherlands | Not confirmed | |
| Spain | Not confirmed |
Additional countries for bunq: 7. Additional countries for PayPal Colombia: 1.
A third option
eToro has headline rate at 3.8%, against 3.01% for bunq and 3.3% for PayPal Colombia.
eToro reviewHow they place
| Ranking | bunq | PayPal Colombia |
|---|---|---|
| Savings accounts | 6 of 1420 | 218 of 1420 |
| Business bank accounts | 3 of 563 | 85 of 563 |
Every fact side by side
| Fact | bunq | PayPal Colombia |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | bunq B.V. | PayPal, Inc. |
| Headquarters | Netherlands | United States |
| Founded | 2012 | 1998Lower |
| Support channels | Email, Chat, Help centre | Email, Phone |
Everyday accounts
| Fact | bunq | PayPal Colombia |
|---|---|---|
| Currency conversion fee | 3% | 3% to 4% |
| Currencies | Not confirmed | 24 |
| Audience | Expats, Travelers, Business, StudentCovers more | Expats, Travelers, Business |
| Features | Joint account, Digital only | Free ATM, No credit check |
| Local account details | IBAN | Us ACH |
| Transfer fee | Not confirmed | 0% from PayPal balance or linked bank account (2.90% + fixed fee by card); 5.00% international, min 0.99 USD, max 4.99 USD |
Where each stands against the rest
| Fact | bunq | PayPal Colombia | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 3.3%above the median | 3.25% |
| Minimum deposit | Not confirmed | $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.
PayPal Colombia
Pros
- No monthly fee, so the account costs $0 to keep open
- A transfer fee of $0 from a PayPal balance or a linked bank account, cheaper than the card charges at Skrill
- Money arrives in Seconds, so there is no waiting period to plan around
Cons
- Converting currency costs 3% to 4%, on top of a markup of 3% to 4% in the exchange rate
- The saving rate is variable rather than fixed, so the 3.3% headline can move
- Local account details cover us ach only, narrower than the IBAN details common in this category
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.
PayPal Colombia
Who it suits
- Expats and travellers holding money in more than one currency
- Small businesses paying suppliers and staff without a monthly charge
- Anyone already paying friends and family from a PayPal balance
Who should look elsewhere
- Wise, if you move large sums and the 3% to 4% conversion fee matters more than instant delivery
- Paysera, if you need local account details beyond us ach
- Anyone chasing a fixed saving rate rather than a variable 3.3%
Country by country
| Country | bunq | PayPal Colombia |
|---|---|---|
| Belgium | Yes | No |
| Colombia | No | Yes |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Spain | Yes | No |
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.
PayPal Colombia
How much does it cost to send money from a PayPal balance?+
Nothing in fees. A transfer from a PayPal balance or a linked bank account carries a transfer fee of $0, so the only charge on a same-currency payment is the one already agreed. Funding from a card adds a percentage plus a fixed fee instead.
What does it cost to convert currency?+
Converting between currencies costs 3% to 4%, and the exchange rate also carries a 3% to 4% markup. A cross-currency payment therefore pays a fee and a worse rate, and that pair of charges is what to compare against rivals.
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Related by the facts
bunq
PayPal Colombia