Updated October 14, 2026 · VaultCue Editorial Team
bunq vs PX Pay 全支付
bunq
Higher score in this comparison
PX Pay 全支付
What sets them apart
| Compare | bunqReviewVisitVisit | PX Pay 全支付ReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currency conversion fee | 3% | Not confirmed |
| Local account details | IBAN | Not confirmed |
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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.
PX Pay 全支付
A 2022 cooperation note describes embedding an SDK in the PX Mart app to provide PX Pay members with PXPay Plus payment services.
Score breakdown
| Area | bunq | PX Pay 全支付 |
|---|---|---|
| Cost | 9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. | Not confirmed |
| Offer | 9.1Rate of 3.01% that is variable, close to the savings median of 3%. | Not confirmed |
| Trust | 8.7 | Not confirmed |
Every fact side by side
| Fact | bunq | PX Pay 全支付 |
|---|---|---|
| Audience | Expats, Travelers, Business, Student | Not confirmed |
| Pricing model | No monthly fee | Not confirmed |
| Features | Joint account, Digital only | Not confirmed |
| Legal entity | bunq B.V. | Not confirmed |
| Headquarters | Netherlands | Not confirmed |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Chat, Help centre | Not confirmed |
Where each stands against the rest
| Fact | bunq | PX Pay 全支付 | Median |
|---|---|---|---|
| Monthly fee | €0at the median | Not confirmed | €0 |
| Currency conversion fee | 3%highest quarter | Not confirmed | 0.5% |
Median across 377 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.
PX Pay 全支付
Pros
- A 2022 cooperation note describes embedding an SDK in the PX Mart app to provide PX Pay members with PXPay Plus payment services.
- The notice does not establish that the two named products are identical.
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.
PX Pay 全支付
Who it suits
- Readers checking a historical PX Pay and PXPay Plus integration note
Country by country
| Country | bunq | PX Pay 全支付 |
|---|---|---|
| Belgium | Yes | No |
| 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.
Is my money protected if the provider fails?+
Yes. Deposits are covered at EU DGS up to EUR 100,000, so eligible balances sit under the EU deposit guarantee scheme. bunq is also supervised in the Netherlands by De Nederlandsche Bank, with authorisations in several other European markets, so there is a named regulator behind the account.
Can I take money out whenever I want?+
Withdrawals are free of charge within a monthly allowance, and any amount can be taken out rather than in set instalments. The number of free withdrawals allowed each month rises after the account has been open for a year, so the limit loosens over time. The account is easy access in kind, so there is no term and no notice period to serve.
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Related by the facts
bunq
PX Pay 全支付