bunq vs Trust Bank.
bunq (b87/100) and Trust Bank (T52/100), 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 Trust Bank 6-1.
| b bunq №02 · DNB 87 /100 | T Trust Bank №67 · MAS 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank DNB | Payment inst. MAS |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded SG.SDIC |
| 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 | — | 4.7 ★ iOS 4.7 · And 4.6 |
| 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 Trust Bank if…
Singapore's third Digital Full Bank under MAS — Standard Chartered + FairPrice (NTUC) JV. SDIC cover via the DFB licence. FairPrice grocery-spending integration is unique to its parents. ~800K SG customers in first year.
- 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 Trust Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Trust Bank?
Under our v3 methodology, bunq leads Trust Bank 6–1 across 12 dimensions. Composite scores: bunq 87/100 vs Trust Bank 52/100. 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 Trust Bank cheaper?
Monthly fee — bunq: €0; Trust Bank: €0. Card FX markup — bunq: Interbank; Trust Bank: 1.00%. 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 Trust Bank?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Trust Bank holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and Trust Bank?
bunq operates in 30 countries; Trust Bank 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.