Neobank comparison
Compare bunq and Wise side by side: fees, regulation, platforms.
Best for savings interest
bunq blends a real banking licence with multi-currency holding and some of the best in-app interest in Europe…
Best for multi-currency and FX
Wise is the benchmark for cross-border money: the lowest published FX markup we track and genuine local accou…
| Feature | bunq | Wise |
|---|---|---|
| Monthly fee | EUR 3.99 | Free |
| FX markup | 0% | 0.43% |
| Savings APY | 2.46% | 3.39% |
| Currencies | 16 | 40 |
| Card network | Mastercard | Mastercard |
| Deposit protection | Dutch deposit guarantee (DGS) up to 100,000 EUR | Safeguarded (FCA-authorised e-money) |
| Regulators | - | - |
| Best for | Best for savings interest | Best for multi-currency and FX |
| Markets & account | ||
bunq
bunq blends a real banking licence with multi-currency holding and some of the best in-app interest in Europe. The monthly fee is the trade-off for that protection and yield.
Confirm current fees and rates on the provider's site. T&Cs apply.
Wise
Wise is the benchmark for cross-border money: the lowest published FX markup we track and genuine local account details make it the account to hold foreign currency in.
Confirm current fees and rates on the provider's site. T&Cs apply.
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