bunq vs Bluevine.
bunq (b87/100) and Bluevine (B70/100), 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 Bluevine 4-3.
| B Bluevine №35 · FDIC 70 /100 | b bunq №02 · DNB 87 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 87 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank DNB |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €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 | 4.5 ★ 10k reviews | 4.2 ★ 22k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | — |
| Read review → | Read review → | |
Pick Bluevine if…
US business-checking-led neobank with the deepest sweep-extended FDIC of the US partner-bank category — $3M via Coastal Community Bank + a 17-bank sweep network. Premier tier ($95/mo waivable) pays 3.0% APY uncapped on all balances, structurally distinct from Mercury (Treasury yield via brokerage) or Novo ($250K single-bank only). Bluevine Line of Credit (up to $250K) and an invitation-only Cashback Mastercard (1.5% unlimited, launched June 2024) sit alongside the checking product.
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 Tied
- Best for reach bunq won 1 of 3
- Best for ux Bluevine won 2 of 2
bunq vs Bluevine — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bluevine better than bunq?
Under our v3 methodology, bunq leads Bluevine 4–3 across 12 dimensions. Composite scores: Bluevine 70/100 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 Bluevine or bunq cheaper?
Monthly fee — Bluevine: €0; bunq: €0. Card FX markup — Bluevine: 2.00%; 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, Bluevine or bunq?
Bluevine holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Both score equally on regulatory protection rows.
Where can I use Bluevine and bunq?
Bluevine 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.