bunq vs RappiPay.
bunq (b87/100) and RappiPay (R50/100), 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 RappiPay 6-1.
| b bunq №02 · DNB 87 /100 | R RappiPay №78 · PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank DNB | Payment inst. |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded CO.FOGAFIN |
| 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 4.3 · 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 RappiPay if…
Embedded fintech wallet inside the Rappi super-app. Davivienda partnership provides the underlying bank licence — RappiPay itself is a PSP. Pan-LatAm distribution via Rappi (CO + MX + BR + CL + PE + EC). Strongest super-app distribution channel for retail banking in LatAm.
- 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 RappiPay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than RappiPay?
Under our v3 methodology, bunq leads RappiPay 6–1 across 12 dimensions. Composite scores: bunq 87/100 vs RappiPay 50/100. 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 RappiPay cheaper?
Monthly fee — bunq: €0; RappiPay: €0. Card FX markup — bunq: Interbank; RappiPay: 3.00%. 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 RappiPay?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. RappiPay holds a Payment inst. licence under PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda (FOGAFIN member, full-bank cover). RappiPay itself does not hold a bank licence. // TODO(verify).; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and RappiPay?
bunq operates in 30 countries; RappiPay 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.