Updated September 29, 2026 · DebitCue Editorial Team
bunq Spain vs Wirex
bunq Spain
Wirex
Higher score in this comparison
What sets them apart
| Compare | bunq SpainReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | $0 |
| Currency conversion fee | 0.5% to 3% | 0%Lower |
| Card network | Mastercard | Visa |
| Currencies | 8 | 150Higher |
| Free ATM withdrawals | Not confirmed | $400 |
| Cashback rate | Not confirmed | 8% |
| Custody | Not confirmed | Custodial |
Same on both: Card type (Debit).
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Key differences
- Wirex scores higher overall: 9.6 vs 8.8.
- Currency conversion fee is lower at Wirex: 0% vs 0.5% to 3%.
- Currencies is higher at Wirex: 150 vs 8.
- Features: only Wirex offers Custodial.
Our verdict on each
bunq Spain
bunq Spain suits students and frequent travellers who want a multi-currency account with a Mastercard debit card and no annual fee. It is a Dutch account from bunq B.V., supervised by De Nederlandsche Bank, and currency conversion is the cost that matters, since fees run 0.5% to 3% on each exchange.
Wirex
Wirex suits people who want crypto spending, travel money and cashback on one custodial Visa debit card. Costs are the draw: a monthly fee of $0 and a currency conversion fee of 0% place it at the front of the 259 brands compared on conversion costs.
Score breakdown
| Area | bunq Spain | Wirex |
|---|---|---|
| Cost | 9.2Monthly fee of €0 and annual fee of €0, with conversion fees of 0.5% to 3% the only listed charge. | 9.4HigherMonthly fee of $0 and a currency conversion fee of 0% keep running costs at the floor. |
| Offer | 8.9 | 9.9HigherCashback of 8% and 150 currencies with crypto and virtual card options drive the offer. |
| Trust | 8.5 | Not confirmed |
Availability and regulation
| Country | bunq Spain | Wirex |
|---|---|---|
| Netherlands | Not confirmed | |
| United Kingdom | Not confirmed | FCA 902025 |
Additional countries for bunq Spain: 1. Additional countries for Wirex: 1.
Where they rank in our lists
| Ranking | bunq Spain | Wirex |
|---|---|---|
| Debit cards | 8 of 1336 | 17 of 1336 |
| Travel cards | 6 of 443 | 12 of 443 |
What we checked
bunq Spain
- bunq.com: 11 facts, checked September 26, 2026
Wirex
- coincodecap.com: 4 facts, checked September 26, 2026
- currencyexpert.com: 4 facts, checked September 26, 2026
- budgetfitter.uk: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | bunq Spain | Wirex |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, Travel | Crypto, Custodial, Multi currency, Travel, Virtual cardCovers more |
| Audience | Student | Not confirmed |
| Legal entity | bunq B.V. | Wirex Limited |
| Headquarters | Netherlands | Not confirmed |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Chat | Not confirmed |
Where each stands against the rest
| Fact | bunq Spain | Wirex | Median |
|---|---|---|---|
| Currency conversion fee | 0.5% to 3%below the median | 0%below the median | 1 |
| Free ATM withdrawals | Not confirmed | $400highest quarter | $0 |
| Cashback rate | Not confirmed | 8%highest quarter | 2% |
| Currencies | 8at the median | 150highest quarter | 8 |
Median across 387 listed cards.
Pros and cons
bunq Spain
Pros
- The free plan carries a monthly fee of €0 and an annual fee of €0, so holding the account costs nothing.
- You can hold 8 currencies in one account, and the free plan lists multi-currency, crypto, virtual card and travel features, multi currency, crypto and virtual card.
- The card runs on Mastercard, mastercard, and is a debit card, debit, so spending comes from the balance you hold.
Cons
- Conversion is the one charge to plan for: fees run 0.5% to 3% for bunq Spain, and the site median is 1%.
- Support runs on email and chat, email and chat, with no phone channel listed.
Wirex
Pros
- Monthly fee of $0 on a standard Visa debit account
- Currency conversion fee of 0%, ranked 1 of 259 brands
- Cashback of 8% returned on everyday card spending
Cons
- The account is custodial, so balances sit with Wirex Limited rather than with you
- Free ATM withdrawals of $400 rank 8 of 115
Who each suits
bunq Spain
Who it suits
- Students, the listed audience, student, who want a debit card and a virtual card without an annual fee.
- People who hold or spend in several currencies, with 8 currencies supported and multi-currency on the feature list, multi currency, crypto and virtual card.
- Travellers who want a Mastercard debit card, mastercard, and a clear exchange cost before they travel.
Who should look elsewhere
- Varo Believe Secured Credit Card, if you want to build credit rather than spend from a multi-currency balance.
- Wise, if you would rather choose on travel conversion cost alone, since its annual fee is also £0.
- Chime Card (Secured Visa Credit Card), if a secured credit card with an annual fee of $0 suits you better than a debit account.
Wirex
Who it suits
- Crypto holders who want to spend through a normal Visa debit card
- Travellers who convert several currencies at a low conversion fee
- Multi currency earners who want cashback and a virtual card
Who should look elsewhere
- People who want to hold their own keys, since the Wirex account is custodial
- Anyone wanting a plain current account: Starling Personal Account Debit Card charges £0
- Anyone who only needs a bank debit card: Wise charges a monthly fee of £0
Current offers
Wirex
Current offer
Bonus
Up to 8% Cashback on Card Spend - Wirex: Up to 8% cashback
Earnings subject to eligibility
Source, checked September 26, 2026
Country by country
| Country | bunq Spain | Wirex |
|---|---|---|
| Spain | Yes | No |
| United Kingdom | No | Yes |
Questions about each
bunq Spain
What does bunq Spain cost to keep open?+
The free plan carries a monthly fee of €0 and an annual fee of €0, so there is nothing to pay for the account itself. The charge worth planning for is currency conversion, which is priced separately on each exchange you make.
What does it cost to convert currency?+
Conversion fees run 0.5% to 3% on every exchange, which is the main ongoing cost of the account. You can hold 8 currencies, so keeping a balance in the currency you spend in can cut how often you convert and what you pay.
Wirex
What does Wirex cost to hold each month?+
The monthly fee is $0 on the standard debit account, and Wirex ranks 1 of 419 brands compared on that measure. Costs are simple to state: the currency conversion fee is 0%, so there is little to add for everyday use.
What does Wirex charge to convert currency?+
The currency conversion fee is 0%, which places Wirex at 1 of 259 brands compared. Travellers moving between several of the 150 currencies held on the account can convert at that rate.