Updated September 28, 2026 · VaultCue Editorial Team
bunq vs XTB
bunq
XTB
Higher score in this comparison
What sets them apart
| Compare | bunqReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| 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 | Interest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account |
| 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
- XTB scores higher overall: 9.3 vs 8.9.
- Founded is lower at XTB: 2004 vs 2012.
- XTB is available in 2 more countries.
- Headline rate is higher at XTB: 4% vs 3.01%.
- Support channels: only XTB 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.
XTB
XTB suits savers who want their cash reachable at any moment, and traders who park money between deals. A 4% easy-access rate on uninvested funds, with support by email, chat and phone, makes it a practical holding pot for active investors rather than a rate chaser.
Score breakdown
| Area | bunq | XTB |
|---|---|---|
| Cost | 9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. | 9.3HigherA monthly fee of £0 and a minimum deposit of £0 match the savings medians, and the 0.5% conversion fee matches the category median. |
| Offer | 9.1Rate of 3.01% that is variable, close to the savings median of 3%. | 9.6HigherThe 4% rate beats the savings median of 3.08% but ranks 142 of 473, and it is variable. |
| Trust | 8.7 | 9.1Higher |
A third option
Finom has headline rate at 5%, against 3.01% for bunq and 4% for XTB.
Finom reviewWhere these facts come from
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
XTB
- xtb.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | bunq | XTB |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | bunq B.V. | XTB Limited |
| Headquarters | Netherlands | Cyprus |
| Founded | 2012 | 2004Lower |
| Support channels | Email, Chat, Help centre | Email, Chat, Phone, Help centreCovers more |
Everyday accounts
| Fact | bunq | XTB |
|---|---|---|
| Currency conversion fee | 3% | 0.5%Lower |
| Audience | Expats, Travelers, Business, Student | Not confirmed |
| Features | Joint account, Digital only | Not confirmed |
| Local account details | IBAN | Not confirmed |
| Transfer fee | Not confirmed | Deposits free of XTB fee; withdrawals free above 100 EUR/USD, 10 EUR (or 10 USD) below |
Where each stands against the rest
| Fact | bunq | XTB | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 4%above the median | 3.25% |
| Minimum deposit | Not confirmed | £0below the median | £1 |
Median across 659 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.
XTB
Pros
- The easy access account pays 4% on uninvested funds, with interest calculated daily and paid monthly, and any amount withdrawn straight to a bank account.
- Running costs sit at the floor: a monthly fee of £0 and a minimum deposit of £0 on the easy access account.
- The 4% rate is above the savings median of 3.08% and higher than PayPal Colombia's 3.3%.
Cons
- On the headline rate the account ranks 142 of 473 brands, well behind AXI Card Tarjeta y Credito at 21.59% and Plazo ES at 24.19%.
- The rate is variable, so what a balance earns can shift over the months it sits there.
- Withdrawals below a set threshold carry a flat XTB fee, which matters for anyone moving money out in small bites.
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.
XTB
Who it suits
- Traders and investors who leave cash uninvested inside a brokerage wallet, since interest is calculated daily, paid monthly and any amount can be moved to a bank account.
- Savers who put access and running cost ahead of the top rate, given that the 4% rate ranks 142 of 473 while the £0 minimum deposit ranks 1 of 370.
- UK residents who want regulated oversight alongside a cash balance, holding both the FRN 522157 and MiCA CASP 259400HM2TR4U3LF5D43 registrations in view.
Who should look elsewhere
- Savings hunters sorting purely on the headline number: Plazo ES shows 24.19% and AXI Card Tarjeta y Credito 21.59%, both well ahead of the 4% here.
- Anyone who wants a return locked for a set term, because the rate here is variable and moves with the market.
Current offers
XTB
Current offer
Free trial
Free training account: Free
Test your investing strategies and experience the market without risking your own capital
Source, checked September 26, 2026
Country by country
| Country | bunq | XTB |
|---|---|---|
| Belgium | Yes | No |
| Belize | No | Yes |
| Chile | No | Yes |
| Cyprus | No | Yes |
| France | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
8 of 14 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.
XTB
What does it cost to keep uninvested cash at XTB?+
The monthly fee on the easy access account is £0, and the account runs on a no monthly fee model, so there is no standing charge for holding funds. Deposits are free of XTB fees. Currency conversion runs at 0.5%, matching the savings median of 0.5%.
Is my money protected if the firm fails?+
Deposit protection is listed as FSCS up to GBP 85,000, so anything held above that figure sits outside the scheme. The firm is authorised in the UK by the Financial Conduct Authority under FRN 522157 and registered in Cyprus with the Cyprus Securities and Exchange Commission under MiCA CASP 259400HM2TR4U3LF5D43.
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