Updated September 28, 2026 · VaultCue Editorial Team
bunq vs ZEN.COM
bunq
ZEN.COM
Higher score in this comparison
What sets them apart
| Compare | bunqReviewVisitVisit | ZEN.COMReviewSee alternativesSee alternatives |
|---|---|---|
| Currency conversion fee | 3% | 0%Lower |
| Currencies | Not confirmed | 35 |
| Free ATM withdrawals | Not confirmed | €0 |
| Transfer fee | Not confirmed | Currently free (standard fee 0.25 EUR) |
Same on both: Monthly fee (€0), Deposit protection (EU DGS up to EUR 100,000), Local account details (IBAN).
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Key differences
- ZEN.COM scores higher overall: 9.3 vs 8.9.
- bunq is licensed in 4 more countries.
- ZEN.COM is available in 25 more countries.
- Currency conversion fee is lower at ZEN.COM: 0% vs 3%.
- Audience: only bunq offers Business, Student.
- Pricing model: only ZEN.COM offers Low FX.
- Features: only bunq offers Joint account, Digital only.
- Features: only ZEN.COM offers Free ATM.
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.
ZEN.COM
ZEN.COM suits expats and travellers who want a euro account that spends across borders without a monthly charge. Currency conversion runs at 0% and the monthly fee is €0, so the saving sits in how often you change money rather than in account upkeep. EU deposits sit under EU DGS up to EUR 100,000.
Score breakdown
| Area | bunq | ZEN.COM |
|---|---|---|
| Cost | 9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. | 9.4HigherMonthly fee of €0, currency conversion fee of 0% and transfer fees of Currently free (standard fee 0.25 EUR). |
| Offer | 9.1Rate of 3.01% that is variable, close to the savings median of 3%. | 9.2HigherHolds 35 currencies, hands out local IBANs and pays a free ATM allowance of €0. |
| Trust | 8.7 | Not confirmed |
Every fact side by side
| Fact | bunq | ZEN.COM |
|---|---|---|
| Audience | Expats, Travelers, Business, StudentCovers more | Expats, Travelers |
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Features | Joint account, Digital only | Free ATM |
| Legal entity | bunq B.V. | UAB ZEN.COM |
| Headquarters | Netherlands | Lithuania |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Chat, Help centre | Email, Chat, Help centre |
Where each stands against the rest
| Fact | bunq | ZEN.COM | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €0at the median | €0 |
| Currency conversion fee | 3%highest quarter | 0%below the median | 0.5% |
| Currencies | Not confirmed | 35highest quarter | 5 |
| Free ATM withdrawals | Not confirmed | €0below the median | €1 |
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.
ZEN.COM
Pros
- Monthly fee of €0 keeps the account free to hold
- Currency conversion fee of 0% beats the 0.5% site median
- Local account details in the form of iban let you get paid like a local
Cons
- Support runs on email, chat and help centre only, with no phone line
- Standard transfer fee is higher than the current free transfer, at Currently free (standard fee 0.25 EUR)
- Currencies count of 35 trails brands near the top of our multi-currency list
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.
ZEN.COM
Who it suits
- Expats and travellers named as the audience for the account
- Anyone paid in euros who wants local account details
- People who change currency often and mind conversion cost more than the account type
Who should look elsewhere
- Skrill, if you compare conversion cost and its fee sits well above the site median of 0.5%
- eToro, if you want a broader account rather than a euro card first
- PayPal Colombia, if you need local details outside the euro area rather than iban
Current offers
ZEN.COM
Current offer
Free trial
Try ZEN.COM free for 30 days: 30 days free
Source, checked September 26, 2026
Country by country
| Country | bunq | ZEN.COM |
|---|---|---|
| Austria | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 32 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.
ZEN.COM
What does ZEN.COM cost to keep open?+
The monthly fee is €0, so holding the account costs nothing. That sits at the site median of €0 and matches the pattern across our listings, where most free accounts cluster at the lower quartile of €0.
How much does it cost to change currency?+
The currency conversion fee is 0%, which ranks ZEN.COM at 1 of 312 brands. For comparison, the site median is 0.5% and the upper quartile reaches 2.08%, so most rivals charge more.
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