bunq vs Trade Republic.
bunq (b87/100) and Trade Republic (T81/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| b bunq №02 · DNB 87 /100 | T Trade Republic №05 · BaFin 81 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 81 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank DNB | Full bank BaFin |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 17 countries |
| Crypto Coins available | No | 50 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | 3.3 ★ 28k reviews |
| App store iOS + Android avg | — | 4.4 ★ iOS 4.8 · And 4.1 |
| 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 Trade Republic if…
Pick if you want the cheapest brokerage in Europe (€1/trade) and the highest interest on idle cash. Not a primary current account.
- Best for fees Tied
- Best for protection Tied
- Best for reach Trade Republic won 2 of 3
- Best for ux Tied
bunq vs Trade Republic — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Trade Republic?
bunq and Trade Republic are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: bunq 87/100 vs Trade Republic 81/100. The right pick depends on which dimension you weight most heavily.
Is bunq or Trade Republic cheaper?
Monthly fee — bunq: €0; Trade Republic: €0. Card FX markup — bunq: Interbank; Trade Republic: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, bunq or Trade Republic?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Trade Republic holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. Both score equally on regulatory protection rows.
Where can I use bunq and Trade Republic?
bunq operates in 30 countries; Trade Republic operates in 17 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.