bunq vs BHub.
bunq (b87/100) and BHub (B44/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. bunq leads BHub 7-1.
| B BHub №85 · BACEN 44 /100 | b bunq №02 · DNB 87 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 87 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €350 /mo | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Full bank DNB |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | €100,000 EU.DGS.NL |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 30 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | 4.2 ★ 22k reviews |
| App store iOS + Android avg | 4.4 ★ iOS 4.5 · And 4.3 | — |
| Read review → | Read review → | |
Pick BHub if…
Brazilian SMB BaaS combining BACEN payment-institution banking with bookkeeping + payroll + tax-filing services. The structural fit for BR startups and growth-stage SMBs that want one platform handling Simples Nacional / Lucro Presumido / Lucro Real accounting + INSS / FGTS payroll + business banking — closer to a US Bench equivalent than to Nubank PJ or Mercado Pago Empresas.
Pick bunq if…
Pick if you travel constantly and want unlimited free FX with a Dutch licence — €3.99/mo for the Easy Bank tier.
- Best for fees bunq won 2 of 4
- Best for protection bunq won 2 of 2
- Best for reach bunq won 1 of 3
- Best for ux Tied
bunq vs BHub — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is BHub better than bunq?
Under our v3 methodology, bunq leads BHub 7–1 across 12 dimensions. Composite scores: BHub 44/100 vs bunq 87/100. bunq is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is BHub or bunq cheaper?
Monthly fee — BHub: €350; bunq: €0. Card FX markup — BHub: 1.50%; bunq: Interbank. bunq wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, BHub or bunq?
BHub holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. bunq is the stronger pick on regulatory protection.
Where can I use BHub and bunq?
BHub operates in 1 country; bunq operates in 30 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.