All currency cardsCurrency card · head to head
Bunq vs Monzo
Bunq wins on sub-accounts and travel. Monzo wins on UK banking and category insights.
| Bunq | Monzo | |
|---|---|---|
| Monthly fee | $3 | $0 |
| Card issue fee | $11 | $6 |
| FX model | interbank | card network |
| FX markup | — | — |
| Free ATM / month | unlimited | 0 |
| Multi-currency | ||
| Apple Pay | ||
| Google Pay | ||
| Virtual cards | ||
| Crypto | ||
| Joint account | ||
| Availability | EU/EEA | UK + US (limited beta) |
Bunq — best for
- Sub-account budgets and savings goals
- Frequent travellers within EU
- Shared expenses with up to 4 people
Weak for
- Free-tier users (paid plan needed for full features)
- Non-EU residents
Monzo — best for
- UK residents with daily spending
- Travellers wanting clean spend categorisation
Weak for
- Multi-currency holding
- Large transfers abroad
Affiliate disclosure: we earn a small commission if you sign up via either link. We list both because both are genuinely useful.