bunq vs Wise.
bunq (b87/100) and Wise (W68/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Wise leads bunq 5-3.
| b bunq №02 · DNB 87 /100 | W Wise №36 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 68 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 /mo |
| 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 | E-money inst. FCA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 160 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | 4.3 ★ 220k reviews |
| App store iOS + Android avg | — | 4.5 ★ iOS 4.7 · And 4.2 |
| 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 Wise if…
Pick if FX and multi-currency receiving accounts dominate your usage — not for stocks or crypto.
- Best for fees Wise won 1 of 4
- Best for protection bunq won 2 of 2
- Best for reach Wise won 2 of 3
- Best for ux Wise won 2 of 2
bunq vs Wise — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Wise?
Under our v3 methodology, Wise leads bunq 5–3 across 12 dimensions. Composite scores: bunq 87/100 vs Wise 68/100. Wise is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is bunq or Wise cheaper?
Monthly fee — bunq: €0; Wise: €0. Card FX markup — bunq: Interbank; Wise: Interbank. Wise 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 Wise?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Wise holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and Wise?
bunq operates in 30 countries; Wise operates in 160 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.