bunq vs GoTyme.
bunq (b87/100) and GoTyme (G52/100), 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 GoTyme 6-1.
| b bunq №02 · DNB 87 /100 | G GoTyme №65 · BSP 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 | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank DNB | Payment inst. BSP |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded PH.PDIC |
| 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 | — | 4.8 ★ iOS 4.8 · And 4.7 |
| 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 GoTyme if…
Joint venture between Tyme Group (South African digital-bank operator) and JG Summit Holdings (PH conglomerate). Fastest-growing PH neobank — ~6M customers in <4 years. Instant in-mall card-issuance via Robinsons Retail kiosks is a structural differentiator.
- 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 GoTyme — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than GoTyme?
Under our v3 methodology, bunq leads GoTyme 6–1 across 12 dimensions. Composite scores: bunq 87/100 vs GoTyme 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 GoTyme cheaper?
Monthly fee — bunq: €0; GoTyme: €0. Card FX markup — bunq: Interbank; GoTyme: 1.50%. 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 GoTyme?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. GoTyme holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and GoTyme?
bunq operates in 30 countries; GoTyme 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.