bunq vs Conta Azul.
bunq (b87/100) and Conta Azul (C45/100), 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 Conta Azul 6-1.
| b bunq №02 · DNB 87 /100 | C Conta Azul №83 · BACEN 45 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 45 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €89 /mo |
| 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 | Payment inst. BACEN |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded BR.FGC |
| 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 Conta Azul if…
BR accounting-first platform with the longest operating history in the SMB accounting category (14+ years). Recently expanded into integrated banking via BACEN payment-institution licence — Conta Azul Conta as a workflow extension of the accounting platform. The structural fit for BR Contador-mediated SMBs where the accounting workflow is the operational anchor and banking is the bolt-on, rather than BHub's banking-first integrated approach.
- 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 Conta Azul — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Conta Azul?
Under our v3 methodology, bunq leads Conta Azul 6–1 across 12 dimensions. Composite scores: bunq 87/100 vs Conta Azul 45/100. 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 Conta Azul cheaper?
Monthly fee — bunq: €0; Conta Azul: €89. Card FX markup — bunq: Interbank; Conta Azul: 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, bunq or Conta Azul?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Conta Azul holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and Conta Azul?
bunq operates in 30 countries; Conta Azul 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.