bunq vs Liv..
bunq (b87/100) and Liv. (L59/100), 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 Liv. 6-1.
| b bunq №02 · DNB 87 /100 | L Liv. №53 · CBUAE 59 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 59 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank DNB | E-money inst. CBUAE |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | — |
| App store iOS + Android avg | — | 4.3 ★ iOS 4.4 · And 4.2 |
| 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 Liv. if…
First UAE digital-only bank — Emirates NBD subsidiary launched 2017. Targets millennials with free account + lifestyle features. Direct AE DPS cover via parent's CBUAE charter — structurally cleaner than partner-bank competitors.
- 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 Tied
bunq vs Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Liv.?
Under our v3 methodology, bunq leads Liv. 6–1 across 12 dimensions. Composite scores: bunq 87/100 vs Liv. 59/100. 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 Liv. cheaper?
Monthly fee — bunq: €0; Liv.: €0. Card FX markup — bunq: Interbank; Liv.: 1.50%. 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 Liv.?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Liv. holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and Liv.?
bunq operates in 30 countries; Liv. operates in 1 country. 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.