bunq vs Anna.
bunq (b87/100) and Anna (A58/100), 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 Anna 5-2.
| A Anna №57 · FCA 58 /100 | b bunq №02 · DNB 87 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 87 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | £11 /mo | €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 | E-money inst. FCA | Full bank DNB |
| Deposit guarantee Per depositor | Safeguarded GB.FSCS | €100,000 EU.DGS.NL |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 30 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 6k reviews | 4.2 ★ 22k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | — |
| Read review → | Read review → | |
Pick Anna if…
The design-led mobile-first UK SMB neobank — Anna positions itself versus Tide as the friendlier UX with a focus on solo founders and freelancers. The Self Assessment + Corporation Tax filing tools are the structural differentiator versus Tide at the UK freelance tier. FCA-authorised EMI — funds safeguarded, NOT FSCS-protected (same structural trade-off as Tide).
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.
- 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 Anna won 2 of 2
bunq vs Anna — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Anna better than bunq?
Under our v3 methodology, bunq leads Anna 5–2 across 12 dimensions. Composite scores: Anna 58/100 vs bunq 87/100. bunq is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Anna or bunq cheaper?
Monthly fee — Anna: £11; bunq: €0. Card FX markup — Anna: Interbank; bunq: Interbank. 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, Anna or bunq?
Anna holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. bunq is the stronger pick on regulatory protection.
Where can I use Anna and bunq?
Anna operates in 1 country; bunq operates in 30 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.