Updated September 29, 2026 · VaultCue Editorial Team
bunq vs Yape
bunq
Yape
Higher score in this comparison
Where bunq and Yape differ
| Compare | bunqReviewVisitVisit | YapeReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | PEN 0 |
| Currency conversion fee | 3% | 0%Lower |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currencies | Not confirmed | 2 |
| Local account details | IBAN | Not confirmed |
| Transfer fee | Not confirmed | Free (0) to send a Yape payment; remittance receiving also free |
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Key differences
- Yape scores higher overall: 9.1 vs 8.9.
- bunq is available in 6 more countries.
- Currency conversion fee is lower at Yape: 0% vs 3%.
- Support channels: only bunq offers Email, Chat.
- Features: only bunq offers Joint account.
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.
Yape
Yape suits people in Peru who want a wallet for everyday payments and money sent home, not a multi-currency account. The monthly fee is PEN 0 and the currency conversion fee is 0%, so the cost is hard to argue with, but the offer is thin at 2 currencies.
Score breakdown
| Area | bunq | Yape |
|---|---|---|
| Cost | 9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. | 9.6HigherMonthly fee of PEN 0, a currency conversion fee of 0% and free transfers on a single-currency wallet. |
| Offer | 9.1HigherRate of 3.01% that is variable, close to the savings median of 3%. | 8.3Covers 2 currencies, pays out to the wallet only and runs as a digital-only service. |
| Trust | 8.7 | Not confirmed |
How they place
| Ranking | bunq | Yape |
|---|---|---|
| Online banks | 3 of 402 | 93 of 402 |
Every fact side by side
| Fact | bunq | Yape |
|---|---|---|
| Audience | Expats, Travelers, Business, Student | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Joint account, Digital onlyCovers more | Digital only |
| Legal entity | bunq B.V. | Not confirmed |
| Headquarters | Netherlands | Not confirmed |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Chat, Help centreCovers more | Help centre |
Money transfer
| Fact | bunq | Yape |
|---|---|---|
| Delivery time | Not confirmed | Instant, credited directly to the Yape wallet |
| Payout methods | Not confirmed | Wallet |
| Fee to send 1,000 | Not confirmed | PEN 0 |
Where each stands against the rest
| Fact | bunq | Yape | Median |
|---|---|---|---|
| Currency conversion fee | 3%highest quarter | 0%below the median | 0.5% |
| Currencies | Not confirmed | 2lowest quarter | 5 |
Median across 536 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.
Yape
Pros
- Monthly fee of PEN 0 on the everyday account
- Currency conversion fee of 0%, top of the multi-currency table
- Sending a Yape payment and receiving a remittance are both free
Cons
- Only 2 currencies, near the bottom of the multi-currency table
- Payouts run to the wallet only, so money cannot be withdrawn to a bank account
- Support runs on help centre only, with no phone or email line
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.
Yape
Who it suits
- People living in Peru paying everyday bills from a phone
- Family members abroad sending remittances to a Yape wallet
- Anyone who wants to receive money without opening a bank account
Who should look elsewhere
- PayPal Colombia or Skrill if you hold money in several currencies
- eToro if you want a card account that pays out to a bank
- Anyone who needs help by phone, since support runs on help centre only
Current offers
Yape
Current offer
Discount code
Hasta 50% de descuento en electrodomésticos en Yape Tienda: Up to 50% off appliances
Source, checked September 26, 2026
Country by country
| Country | bunq | Yape |
|---|---|---|
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Peru | No | Yes |
| 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.
Yape
How much does a Yape account cost to keep?+
The monthly fee on the everyday account is PEN 0. Sending a Yape payment carries no charge, and receiving a remittance is free as well, so the everyday cost of running the wallet is close to nothing.
What does it cost to change currency in a Yape wallet?+
The currency conversion fee is 0%, which sits at the top of the multi-currency ranking. The catch is that Yape only holds 2 currencies, so a wider currency basket is not available here.
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bunq
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