Updated September 29, 2026 · VaultCue Editorial Team
bunq vs Vivid Money
bunq
Higher score in this comparison
Vivid Money
What sets them apart
| Compare | bunqReviewVisitVisit | Vivid MoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 3.01%Higher | 3% |
| Rate type | Variable | Fixed |
| 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 |
| Minimum deposit | Not confirmed | €0.010 |
| Regulators | Not confirmed | Commission de Surveillance du Secteur Financier (CSSF), Dutch Authority for Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM) |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0), Account kind (Easy access).
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Key differences
- bunq scores higher overall: 8.9 vs 8.8.
- Founded is lower at bunq: 2012 vs 2019.
- bunq is licensed in 5 more countries.
- Headline rate is higher at bunq: 3.01% vs 3%.
- Support channels: only bunq offers Email.
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.
Vivid Money
Vivid Money suits people who want everyday spending plus savings in the same app without monthly upkeep, with the standard plan priced at €0 a month. Cash stays within instant access pockets that suit flexible savers who also move money across currencies for travel or daily life abroad.
Score breakdown
| Area | bunq | Vivid Money |
|---|---|---|
| Cost | 9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. | 9.2HigherConversion priced at 0.25% keeps cross currency spend modest versus broader market levels |
| Offer | 9.1Rate of 3.01% that is variable, close to the savings median of 3%. | 9.1Interest pocket pays 3% on instant access balances with low entry threshold |
| Trust | 8.7Higher | 8.3Eligible balances covered by EU DGS up to EUR 100,000 with licensed EU supervision |
How they place
| Ranking | bunq | Vivid Money |
|---|---|---|
| Savings accounts | 6 of 1420 | 496 of 1420 |
| Online banks | 3 of 402 | 155 of 402 |
Every fact side by side
| Fact | bunq | Vivid Money |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | bunq B.V. | Vivid Money B.V. |
| Headquarters | Netherlands | Netherlands |
| Founded | 2012Lower | 2019 |
| Support channels | Email, Chat, Help centreCovers more | Chat, Help centre |
Everyday accounts
| Fact | bunq | Vivid Money |
|---|---|---|
| Currency conversion fee | 3% | 0.25%Lower |
| Currencies | Not confirmed | 22 |
| Audience | Expats, Travelers, Business, Student | Not confirmed |
| Features | Joint account, Digital onlyCovers more | Digital only |
| Local account details | IBAN | IBAN |
| Transfer fee | Not confirmed | Free |
Where each stands against the rest
| Fact | bunq | Vivid Money | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 3%below the median | 3.25% |
| Minimum deposit | Not confirmed | €0.010below 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.
Vivid Money
Pros
- Transfers cost free, which keeps routine euro moves easy to budget
- Supports 22 currencies and issues IBAN for getting paid across borders
- Savings start from €0.01 with withdrawals under Instant access for flexible access
Cons
- Support runs on chat and help centre only, so callers must use chat or articles
- Account is digital only through digital only, with no branch option for cash service
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.
Vivid Money
Who it suits
- Travellers and expats holding balances across currencies
- Flexible savers wanting instant access pockets in the same app
- App led users happy with chat based service
Who should look elsewhere
- Consider bunq if conversion cost matters most and you want to compare against 3%
- Consider Bit2Me if crypto linked services matter and you want to compare against 0.95%
- Consider eToro if trading features matter and you want to compare upkeep against £0
Country by country
| Country | bunq | Vivid Money |
|---|---|---|
| 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.
Vivid Money
What does Vivid Money charge for the account+
The standard plan is priced at €0 a month, which keeps upkeep predictable for everyday use. Transfers are listed at free, while currency conversion is listed at 0.25% for cross currency moves.
How many currencies can you hold+
Vivid Money supports 22 currencies, which helps if you hold balances for travel or pay across borders. Local euro details come through IBAN, making it easier to receive salary or transfers within the region.
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