bunq vs Kuda.
bunq (b87/100) and Kuda (K60/100), 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 Kuda 6-2.
| b bunq №02 · DNB 87 /100 | K Kuda №50 · FCA 60 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 60 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 5.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank DNB | E-money inst. FCA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded NG.NDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | 4.0 ★ 1k reviews |
| App store iOS + Android avg | — | 4.7 ★ iOS 4.7 · 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 Kuda if…
Largest Nigerian neobank by user count (~7M+). CBN microfinance bank charter — NDIC-insured but with the smaller microfinance-class ceiling. UK presence as Kuda Technologies adds GBP exposure for Nigerian diaspora customers. Free transfer limit (25/mo) is generous for the Nigerian market.
- Best for fees bunq won 1 of 4
- Best for protection bunq won 2 of 2
- Best for reach Tied
- Best for ux Tied
bunq vs Kuda — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Kuda?
Under our v3 methodology, bunq leads Kuda 6–2 across 12 dimensions. Composite scores: bunq 87/100 vs Kuda 60/100. 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 Kuda cheaper?
Monthly fee — bunq: €0; Kuda: €0. Card FX markup — bunq: Interbank; Kuda: 5.00%. 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 Kuda?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Kuda holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and Kuda?
bunq operates in 30 countries; Kuda operates in 2 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.