bunq vs Found.
bunq (b87/100) and Found (F69/100), 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 Found 5-2.
| b bunq №02 · DNB 87 /100 | F Found №39 · FDIC 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 69 /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 | Partner-bank FDIC |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | $250,000 US.FDIC |
| 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 4.8 · 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 Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
- Best for fees bunq won 1 of 4
- Best for protection Tied
- Best for reach bunq won 1 of 3
- Best for ux Tied
bunq vs Found — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Found?
Under our v3 methodology, bunq leads Found 5–2 across 12 dimensions. Composite scores: bunq 87/100 vs Found 69/100. 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 Found cheaper?
Monthly fee — bunq: €0; Found: €0. Card FX markup — bunq: Interbank; Found: 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 Found?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Both score equally on regulatory protection rows.
Where can I use bunq and Found?
bunq operates in 30 countries; Found 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.