All currency cardsCurrency card · head to head
Wise vs Bunq
Wise wins on global FX and free account. Bunq wins on EU-resident features and budgeting.
| Wise | Bunq | |
|---|---|---|
| Monthly fee | $0 | $3 |
| Card issue fee | $9 | $11 |
| FX model | interbank | interbank |
| FX markup | — | — |
| Free ATM / month | 2 | unlimited |
| Multi-currency | ||
| Apple Pay | ||
| Google Pay | ||
| Virtual cards | ||
| Crypto | ||
| Joint account | ||
| Availability | 180+ countries | EU/EEA |
Wise — best for
- International transfers — interbank rate, transparent fee
- Holding 50+ currencies in one account
- Receiving USD/EUR/GBP/AUD payouts on local details
Weak for
- Day-to-day spending in a single home currency
- ATM withdrawals over 2/month free
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.