bunq vs WeBank.
bunq (b87/100) and WeBank (W76/100), 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 WeBank 4-3.
| b bunq №02 · DNB 87 /100 | W WeBank №18 · CBI 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 76 /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 | Full bank CBI |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | €500,000 CN.PBoC-DIS |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | — |
| App store iOS + Android avg | — | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS cover.
- Best for fees bunq won 1 of 4
- Best for protection WeBank won 1 of 2
- Best for reach Tied
- Best for ux Tied
bunq vs WeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than WeBank?
Under our v3 methodology, bunq leads WeBank 4–3 across 12 dimensions. Composite scores: bunq 87/100 vs WeBank 76/100. 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 WeBank cheaper?
Monthly fee — bunq: €0; WeBank: €0. Card FX markup — bunq: Interbank; WeBank: 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 WeBank?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. WeBank is the stronger pick on regulatory protection.
Where can I use bunq and WeBank?
bunq operates in 30 countries; WeBank 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.