Updated September 28, 2026 · DebitCue Editorial Team
bunq vs Revolut
bunq
Revolut
Higher score in this comparison
bunq vs Revolut: the differences
| Compare | bunqReviewVisitVisit | RevolutReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | £0 |
| Currency conversion fee | 0.5% to 3% | 0% to 2%Lower |
| Card network | Mastercard | Visa |
| Currencies | 8 | 160Higher |
| Free ATM withdrawals | Not confirmed | £200 |
Same on both: Card type (Debit).
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Key differences
- Revolut scores higher overall: 9.2 vs 9.0.
- Founded is lower at bunq: 2012 vs 2015.
- Revolut is licensed in 2 more countries.
- Revolut is available in 28 more countries.
- Currency conversion fee is lower at Revolut: 0% to 2% vs 0.5% to 3%.
- Currencies is higher at Revolut: 160 vs 8.
- Support channels: only Revolut offers Phone, Help centre.
- Features: only bunq offers Crypto.
Our verdict on each
bunq
bunq is a euro debit card with a Mastercard and multi-currency accounts, aimed at students and at anyone spending abroad. The monthly fee is €0, the same as Wise at £0, while the currency conversion fee runs 0.5% to 3% on travel spending.
Revolut
Revolut suits readers who want a fee free multi-currency card for daily spending and trips abroad. Costs stay low with a monthly fee of £0 and conversion fees of 0% to 2%. The credit side costs more, with an annual fee of €0 and an APR of 13.34% to 17.99%.
Score breakdown
| Area | bunq | Revolut |
|---|---|---|
| Cost | 9.2Cost is mid-range: monthly fee of €0 sits at €0, with 0.5% to 3% above the 1% median. | 9.4HigherMonthly fee £0, annual fee €0, conversion fee 0% to 2% and £200 in free ATM withdrawals. |
| Offer | 9.0 | 9.9HigherRewards of 1.5 points per EUR1 on a points card, multi-currency across 160 currencies. |
| Trust | 8.8Higher | 8.6 |
Where they rank in our lists
| Ranking | bunq | Revolut |
|---|---|---|
| Debit cards | 7 of 1336 | 23 of 1336 |
| Credit cards | 5 of 1020 | 19 of 1020 |
| Travel cards | 5 of 443 | 15 of 443 |
Availability and regulation
| Country | bunq | Revolut |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| Netherlands | Not confirmed | |
| United Kingdom | Not confirmed |
Available in 1 country for both. Additional countries for Revolut: 28.
From lowest to highest
| Fact | bunq | Revolut |
|---|---|---|
| Currency conversion fee | 0.5% to 3% | 0% to 2% |
What we checked
bunq
- bunq.com: 11 facts, checked September 26, 2026
Revolut
- moneytothemasses.com: 4 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- pocketwise.co.uk: 2 facts, checked September 26, 2026
- revolut.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | bunq | Revolut |
|---|---|---|
| Features | Multi currency, Crypto, Virtual card, TravelCovers more | Multi currency, Virtual card, Travel |
| Audience | Student | Not confirmed |
| Legal entity | bunq B.V. | Revolut Digital Assets (Europe) Ltd |
| Headquarters | Netherlands | Cyprus |
| Founded | 2012Lower | 2015 |
| Support channels | Email, Chat | Chat, Email, Phone, Help centreCovers more |
Credit cards
| Fact | bunq | Revolut |
|---|---|---|
| Annual fee | €0 | €0 |
| APR | Not confirmed | 13.34% to 17.99% |
| Rewards type | Not confirmed | Points |
| Pricing model | No annual fee | No annual fee |
| Rewards rate | Not confirmed | 1.5 points per EUR1 |
| Card kind | Credit | Credit |
Where each stands against the rest
| Fact | bunq | Revolut | Median |
|---|---|---|---|
| Currency conversion fee | 0.5% to 3%below the median | 0% to 2%below the median | 1 |
| Free ATM withdrawals | Not confirmed | £200above the median | £100 |
| Currencies | 8at the median | 160highest quarter | 8 |
Median across 387 listed cards.
Pros and cons
bunq
Pros
- Monthly fee of €0 and annual fee of €0, with Wise at £0 charging the same on the monthly side.
- A Mastercard card, on the network behind 38.5% of the cards compared here.
- Multi-currency, crypto, a virtual card and travel features on the plan, with multi-currency listed on 34.9% of cards here.
Cons
- Support runs on email and chat only, with no phone line for urgent card problems.
- The upper end of the conversion fee, 0.5% to 3%, is well above the conversion median of 1% on heavy foreign spending.
- Wise also charges £0, so bunq has to win on features rather than on price.
Revolut
Pros
- No monthly cost, with a monthly fee of £0 and an annual fee of €0 on the credit card
- Currency conversion fees of 0% to 2% compare well with Wise at 0.1%
- Multi-currency balances across 160 currencies, and multi-currency is a 34.9% share of the brands compared
Cons
- The credit card charges an APR of 13.34% to 17.99%, below the field median of 20.97% but still a cost on borrowed money
- Rewards pay 1.5 points per EUR1 in points, while cashback is the most common rewards type at 49.5%
- Currency conversion fees of 0% to 2% sit above the median of 1% for the field, so frequent conversions add up
Who each suits
bunq
Who it suits
- Students, who are the audience listed on student.
- Anyone who wants a Mastercard debit card with a monthly fee of €0 and no annual charge of €0.
- Travellers who pay in several currencies, with 8 currencies supported and multi-currency listed on multi currency, crypto and virtual card.
Who should look elsewhere
- Chime Card (Secured Visa Credit Card) if you want a credit card rather than bunq's debit card, at a monthly fee of $0.
- Wise if you would rather hold pounds, since its monthly fee of £0 is the same as bunq's €0.
- Varo Believe Secured Credit Card if you want secured credit, priced at a monthly fee of $0.
Revolut
Who it suits
- Travellers holding money in several currencies, given 160 supported currencies
- Anyone who wants a fee free card, with a monthly fee of £0 and free withdrawals to £200
- Points earners who will use the 1.5 points per EUR1 rate on the credit card
Who should look elsewhere
- Anyone who wants cashback rewards, since points are the only reward type on offer and cashback leads the field at 49.5%
- Frequent travellers who want the thinnest conversion margin, since Wise charges 0.1%
- Borrowers who want a longer interest free window, as the credit card APR starts at 13.34% to 17.99%
Country by country
| Country | bunq | Revolut |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 29 countries where either is available.
Questions about each
bunq
Is there a fee for holding a bunq account and card?+
The monthly fee is €0 and the annual fee is €0, so holding the account and the card costs nothing in fees. That matches Wise at £0 on the monthly side. Spending is where costs appear, and the one to watch is the currency conversion fee of 0.5% to 3% when you pay in another currency.
What does it cost to spend money abroad on bunq?+
Converting currency costs 0.5% to 3% on bunq, the range that applies when you spend in a currency other than the one on your balance. A trip concentrated in a single currency tends to sit at the lower end, while heavy multi-currency spending lands near the top. The card runs on Mastercard, which is accepted widely.
Revolut
What does Revolut cost to hold each month?+
Revolut charges a monthly fee of £0, so the standard account costs nothing to keep open. That sits at position 1 of 419 brands in the comparison, and the field median monthly fee is €0.
What are the fees on the Revolut credit card?+
The credit card carries an annual fee of €0 and an APR of 13.34% to 17.99%. Revolut sits in the no-annual-fee model at no annual fee, and the site median APR across the credit field is 20.97%, so borrowing costs sit below the typical range.