All currency cardsCurrency card · head to head
N26 vs Bunq
N26 wins on simplicity and free tier. Bunq wins on power-user features (paid).
| N26 | Bunq | |
|---|---|---|
| Monthly fee | $0 | $3 |
| Card issue fee | $0 | $11 |
| FX model | card network | interbank |
| FX markup | — | — |
| Free ATM / month | 3 | unlimited |
| Multi-currency | ||
| Apple Pay | ||
| Google Pay | ||
| Virtual cards | ||
| Crypto | ||
| Joint account | ||
| Availability | EU/EEA + UK (limited) | EU/EEA |
N26 — best for
- EU residents who want a primary current account
- Travellers in eurozone — no FX needed
- Couples (joint Spaces)
Weak for
- US, Canada, Asia — not available
- Holding multiple currencies
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
Affiliate disclosure: we earn a small commission if you sign up via either link. We list both because both are genuinely useful.