Neobank comparison
Compare bunq and ZEN 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 cross-border shoppers
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee tha…
| Feature | bunq | ZEN |
|---|---|---|
| Monthly fee | EUR 3.99 | Free |
| FX markup | 0% | 0% |
| Savings APY | 2.46% | - |
| Currencies | 16 | 32 |
| Card network | Mastercard | Mastercard |
| Deposit protection | Dutch deposit guarantee (DGS) up to 100,000 EUR | Safeguarded (Lithuanian EMI licence) |
| Regulators | - | - |
| Best for | Best for savings interest | Best for cross-border shoppers |
| 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.
ZEN
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee that few rivals match.
Confirm current fees and rates on the provider's site. T&Cs apply.
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