bunq vs Monzo.
bunq (b87/100) and Monzo (M78/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. bunq leads Monzo 3-1.
| b bunq №02 · DNB 87 /100 | M Monzo №08 · Central Bank of Ireland 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank DNB | Full bank Central Bank of Ireland |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | €100,000 EU.DGS.IE |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | — |
| App store iOS + Android avg | — | — |
| Read review → | Read review → | |
Pick bunq if…
Pick if you travel constantly and want unlimited free FX with a Dutch licence — €3.99/mo for the Easy Bank tier.
Pick Monzo if…
Pick if you bank in the UK or Ireland and value the best budgeting tools in the category.
- Best for fees Monzo won 1 of 4
- Best for protection Tied
- Best for reach bunq won 1 of 3
- Best for ux bunq won 1 of 2
bunq vs Monzo — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Monzo?
Under our v3 methodology, bunq leads Monzo 3–1 across 12 dimensions. Composite scores: bunq 87/100 vs Monzo 78/100. bunq is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is bunq or Monzo cheaper?
Monthly fee — bunq: €0; Monzo: €0. Card FX markup — bunq: Interbank; Monzo: Interbank. Monzo wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, bunq or Monzo?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Monzo holds a Full bank licence under Central Bank of Ireland; deposit guarantee per depositor: €100,000. Both score equally on regulatory protection rows.
Where can I use bunq and Monzo?
bunq operates in 30 countries; Monzo operates in 2 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.