Updated September 28, 2026 · VaultCue Editorial Team
bunq vs Revolut AU
bunq
Revolut AU
Higher score in this comparison
Where bunq and Revolut AU differ
| Compare | bunqReviewVisitVisit | Revolut AUReviewVisitVisit |
|---|---|---|
| Headline rate | 3.01% | 4%Higher |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Monthly fee | €0 | £0 |
| Minimum deposit | Not confirmed | £0 |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Revolut AU scores higher overall: 9.1 vs 8.9.
- Founded is lower at bunq: 2012 vs 2015.
- bunq is licensed in 5 more countries.
- Revolut AU is available in 32 more countries.
- Headline rate is higher at Revolut AU: 4% vs 3.01%.
- Support channels: only bunq offers Email.
- Support channels: only Revolut AU offers Phone.
- Pricing model: only Revolut AU offers Low FX.
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.
Revolut AU
Revolut AU is a fair pick for travellers, freelancers and teens who want many currencies without a monthly charge. It scores 7.6 overall, with an offer part of 9.3 and a cost part of 6.3. The monthly fee is £0 and the currency conversion fee runs 0% to 1%.
Score breakdown
| Area | bunq | Revolut AU |
|---|---|---|
| Cost | 9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. | 9.4HigherMonthly fee of £0 and currency conversion fees of 0% to 1% sit near the site medians of €0 and 0.5%. |
| Offer | 9.1Rate of 3.01% that is variable, close to the savings median of 3%. | 9.3HigherHolds 30 currencies, 4% variable savings and free atm and joint account, giving an offer score of 9.3. |
| Trust | 8.7Higher | 8.6 |
Licences and countries
| Country | bunq | Revolut AU |
|---|---|---|
| Belgium | Not confirmed | |
| France | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Not confirmed | |
| Italy | Not confirmed | |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| Netherlands | Not confirmed | |
| Spain | Not confirmed |
Available in 7 countries for both. Additional countries for Revolut AU: 32.
Where they rank in our lists
| Ranking | bunq | Revolut AU |
|---|---|---|
| Savings accounts | 6 of 1420 | 39 of 1420 |
| Business bank accounts | 3 of 563 | 22 of 563 |
| Student, teen and kids accounts | 3 of 273 | 9 of 273 |
Sources behind this comparison
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
Revolut AU
- revolut.com: 9 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | bunq | Revolut AU |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Legal entity | bunq B.V. | Revolut Payments UAB |
| Headquarters | Netherlands | Lithuania |
| Founded | 2012Lower | 2015 |
| Support channels | Email, Chat, Help centre | Chat, Help centre, Phone |
Everyday accounts
| Fact | bunq | Revolut AU |
|---|---|---|
| Licence type | Not confirmed | E money |
| Currency conversion fee | 3% | 0% to 1%Lower |
| Currencies | Not confirmed | 30 |
| Audience | Expats, Travelers, Business, Student | Travelers, Freelancer, Teen |
| Features | Joint account, Digital only | Free ATM, Joint account |
| Local account details | IBAN | IBAN |
| Transfer fee | Not confirmed | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide |
Money transfer
| Fact | bunq | Revolut AU |
|---|---|---|
| Payout methods | Not confirmed | Bank |
Where each stands against the rest
| Fact | bunq | Revolut AU | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 4%above the median | 3.25% |
| Minimum deposit | Not confirmed | £0below the median | £1 |
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.
Revolut AU
Pros
- Monthly fee of £0, ranked 1 of 500 brands on that measure.
- Currencies held number 30, well above the site median of 5 for the set.
- A savings balance paying 4% at a variable rate, against a site median of 3%.
Cons
- Deposit protection is listed as FSCS up to GBP 85,000, and the licence type is e money rather than a bank licence.
- The savings rate is variable, so the 4% figure can move.
- Transfer pricing is uneven: free in SEPA, discounted on paid plans elsewhere, and free on Ultra worldwide.
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.
Revolut AU
Who it suits
- Travellers holding several currencies, one of the audiences in travelers, freelancer and teen.
- Freelancers billing across currencies who want local account details such as iban.
- Teens in travelers, freelancer and teen who want a joint account or free ATM withdrawals.
Who should look elsewhere
- Anyone wanting a bank licence rather than e money cover.
- Skrill, if you want a money transfer service rather than a multi-currency current account.
- XTB, if you want a trading platform with its own fee of €0.
Country by country
| Country | bunq | Revolut AU |
|---|---|---|
| Australia | No | Yes |
| Austria | No | Yes |
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
8 of 39 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.
Revolut AU
What is the monthly fee on Revolut AU?+
The monthly fee is £0, and the account sits in the no monthly fee and low fx model. It ranks 1 of 500 brands on monthly fee, matching the site median of €0, so nothing is deducted for holding the account.
How much does it cost to change currency?+
Currency conversion costs 0% to 1% across 30 currencies. The upper end of that range sits near the everyday-account maximum of 3.99%, so frequent conversion is the line to watch in the pricing.
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