bunq vs Chipper Cash.
bunq (b87/100) and Chipper Cash (C62/100), 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 Chipper Cash 6-3.
| b bunq №02 · DNB 87 /100 | C Chipper Cash №48 · FCA 62 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 62 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank DNB | E-money inst. FCA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded NG.NDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 9 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | — |
| App store iOS + Android avg | — | 4.5 ★ iOS 4.4 · And 4.5 |
| Read review → | Read review → | |
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.
Pick Chipper Cash if…
Pan-African EMI — operates in 9+ African countries + UK + US. Multi-jurisdiction licensing means no single full-bank protection. ~5M users. Backed by Bezos Expeditions, Tiger Global. Anchors the pan-African angle alongside Mukuru.
- Best for fees bunq won 1 of 4
- Best for protection bunq won 2 of 2
- Best for reach Chipper Cash won 2 of 3
- Best for ux Tied
bunq vs Chipper Cash — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Chipper Cash?
Under our v3 methodology, bunq leads Chipper Cash 6–3 across 12 dimensions. Composite scores: bunq 87/100 vs Chipper Cash 62/100. bunq is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is bunq or Chipper Cash cheaper?
Monthly fee — bunq: €0; Chipper Cash: €0. Card FX markup — bunq: Interbank; Chipper Cash: 1.00%. bunq wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, bunq or Chipper Cash?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Chipper Cash holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and Chipper Cash?
bunq operates in 30 countries; Chipper Cash operates in 9 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.