bunq vs Bank Jago.
bunq (b87/100) and Bank Jago (B75/100), 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 Bank Jago 4-2.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | b bunq №02 · DNB 87 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /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 | Full bank | Full bank DNB |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | €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 | — | 4.2 ★ 22k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | — |
| Read review → | Read review → | |
Pick Bank Jago if…
Largest Indonesian neobank by users — ~9M Indonesians. OJK-regulated full bank, IDX-listed (ARTO). GoTo (Gojek + Tokopedia) major shareholder. Multi-pocket structure ('Jago Pockets'). Sharia-compliant Jago Syariah variant.
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 Bank Jago won 1 of 2
- Best for reach bunq won 1 of 3
- Best for ux Tied
bunq vs Bank Jago — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than bunq?
Under our v3 methodology, bunq leads Bank Jago 4–2 across 12 dimensions. Composite scores: Bank Jago 75/100 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 Bank Jago or bunq cheaper?
Monthly fee — Bank Jago: €0; bunq: €0. Card FX markup — Bank Jago: 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, Bank Jago or bunq?
Bank Jago holds a Full bank licence under Full Indonesian banking licence (OJK regulated); LPS member, IDR 2,000,000,000 cover per depositor per institution. IDX-listed (ARTO). // TODO(verify).; deposit guarantee per depositor: €2,000,000,000. bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and bunq?
Bank Jago 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.