bunq vs Qonto.
bunq (b87/100) and Qonto (Q51/100), 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 Qonto 6-2.
| b bunq №02 · DNB 87 /100 | Q Qonto №56 · Payment institution license 51 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 51 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | Interbank | 1.70% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank DNB | Payment inst. |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded EU.DGS.FR |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 8 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | 4.8 ★ 50k reviews |
| App store iOS + Android avg | — | 4.5 ★ iOS 4.8 · And 4.3 |
| 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 Qonto if…
Pick if you run an EU SME and need multi-currency invoicing, accounting integrations, and proper receipts.
- Best for fees bunq won 2 of 4
- Best for protection bunq won 2 of 2
- Best for reach bunq won 1 of 3
- Best for ux Qonto won 2 of 2
bunq vs Qonto — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Qonto?
Under our v3 methodology, bunq leads Qonto 6–2 across 12 dimensions. Composite scores: bunq 87/100 vs Qonto 51/100. 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 Qonto cheaper?
Monthly fee — bunq: €0; Qonto: €9. Card FX markup — bunq: Interbank; Qonto: 1.70%. bunq wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, bunq or Qonto?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Qonto holds a Payment inst. licence under Payment institution license (France, 2018); EU passport across served markets; filed for full French banking license in July 2025; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and Qonto?
bunq operates in 30 countries; Qonto operates in 8 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.