bunq vs Finom.
bunq (b87/100) and Finom (F64/100), 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 Finom 5-2.
| b bunq №02 · DNB 87 /100 | F Finom №45 · DNB 64 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 64 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 0.70% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank DNB | E-money inst. DNB |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded EU.DGS.NL |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 7 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | 4.5 ★ 8k reviews |
| App store iOS + Android avg | — | 4.5 ★ iOS 4.6 · 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 Finom if…
The EU SMB-focused EMI platform that solves the multi-country invoicing-plus-accounting-integration problem better than Qonto, Wise Business, and Revolut Business — local IBAN issuance across NL/DE/FR/IT/ES/PL plus native DATEV / Lexoffice (Germany) and Pennylane (France) integrations is the workflow win for SMBs operating across multiple EU markets. The freelancer-plus-SMB onboarding is structurally paved across entity types (sole trader, GmbH, SARL, BV, SAS, Sp. z o.o., S.R.L.), making Finom the structural fit for German freelancers and EU operators who need country-specific local IBANs without running multiple bank relationships.
- Best for fees bunq won 1 of 4
- Best for protection bunq won 2 of 2
- Best for reach bunq won 1 of 3
- Best for ux Finom won 2 of 2
bunq vs Finom — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Finom?
Under our v3 methodology, bunq leads Finom 5–2 across 12 dimensions. Composite scores: bunq 87/100 vs Finom 64/100. 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 Finom cheaper?
Monthly fee — bunq: €0; Finom: €0. Card FX markup — bunq: Interbank; Finom: 0.70%. 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 Finom?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Finom holds a E-money inst. licence under DNB; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and Finom?
bunq operates in 30 countries; Finom operates in 7 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.