bunq vs Ualá.
bunq (b87/100) and Ualá (U49/100), 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 Ualá 6-3.
| b bunq №02 · DNB 87 /100 | U Ualá №81 · BCRA 49 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 49 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank DNB | Payment inst. BCRA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | Safeguarded AR.SEDESA |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 3 countries |
| Crypto Coins available | No | 6 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | 2.4 ★ 5k reviews |
| App store iOS + Android avg | — | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 Ualá if…
The default Argentine fintech card (~9M users in AR). Wilobank acquisition (2022) gave Ualá a full Argentine banking licence — converts the wallet to a chartered bank for AR depositors. Mexican + Colombian expansions via local subsidiaries. Argentine inflation-hedge yield (Rendimientos) is a near-mandatory product for ARS holders.
- Best for fees bunq won 1 of 4
- Best for protection bunq won 2 of 2
- Best for reach Ualá won 2 of 3
- Best for ux Tied
bunq vs Ualá — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Ualá?
Under our v3 methodology, bunq leads Ualá 6–3 across 12 dimensions. Composite scores: bunq 87/100 vs Ualá 49/100. 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 Ualá cheaper?
Monthly fee — bunq: €0; Ualá: €0. Card FX markup — bunq: Interbank; Ualá: 4.00%. 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 Ualá?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Ualá holds a Payment inst. licence under BCRA; deposit guarantee per depositor: Safeguarded. bunq is the stronger pick on regulatory protection.
Where can I use bunq and Ualá?
bunq operates in 30 countries; Ualá operates in 3 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.