Head-to-head · Neobank Apps
bunq vs Nubank
bunq leads on 0 checks, Nubank on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.
Our verdict
- Highest scorebunq · 9.2/10
- Free planboth
- Free trialonly bunq
- Most featuresbunq · 2 of 3
bunq scores higher on our rubric for neobank apps: 9.2 against 8.4 out of 10; our editors rank them #2 and #8.
bunq is the better fit for people needing flexible personal and business accounts. Nubank is the better fit for brazilian users who use Pix and savings goals.
- bunq fits best
People needing flexible personal and business accounts
- Nubank fits best
Brazilian users who use Pix and savings goals
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Side by side
| Feature | bunq 9.2/10 Visit ↗ | Nubank 8.4/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.2 | 8.4 |
| Ranking | #2 in Neobank Apps | #8 in Neobank Apps |
| Best for | People needing flexible personal and business accounts | Brazilian users who use Pix and savings goals |
| Pricing model | Free plan + paid | Free |
| Starting price | €3.99/mo | Free plan |
| Free plan | ✓ | ✓ |
| Free trial | 30 days | — |
| Deployment | Cloud, Mobile | Mobile |
| Platforms | Web, iOS, Android | iOS, Android |
| Support | Live chat, Phone, Docs · 24/7 | Live chat, Phone |
| Built for | Solo, Small business | Solo |
| Features bunq 2/3 · Nubank 0/3 | ||
| Early pay access | Not checked yet | Not checked yet |
| Cash deposit support | ✓ (best) | Not checked yet |
| International transfers | ✓ (best) | Not checked yet |
| Specs | ||
| Account scope | Both | Not checked yet |
| Savings yield | Up to 3.11% | Not checked yet |
| Supported currencies | 20 currencies | Not checked yet |
| Our review | ||
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| Cons |
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| Our verdict | bunq is a European digital bank offering personal and business accounts through mobile apps and web banking. It is aimed at people who want to manage accounts, cards, payments, savings and budgeting in one service, including those who need… Read the review → |
Nubank is a digital financial-services provider in Brazil, with a mobile account for receiving, transferring and spending money. Its free basic account is suited to people who want Pix, bill payments and savings organized around goals in… Read the review → |
Strengths and trade-offs
bunq — where it wins
- Multiple IBAN accounts and physical or digital cards across paid plans
- Foreign-currency accounts and transfers in over 40 currencies
- Personal and business accounts with web, iOS, and Android access
Where it doesn't
- Account and card limits vary substantially by plan
- Cash deposits are limited to eligible plans and supported countries
- Foreign-currency account availability depends on country of residence
Nubank — where it wins
- Free account supports Pix transfers, payments and bill payments
- Caixinhas organize savings goals and link to fixed-income options
- Available on iOS and Android, with chat and phone support
Where it doesn't
- Debit card must be requested through the app
- Credit products require separate approval
- Cash withdrawals and some other account-linked services may have fees
- bunq9.2/10 · Free plan · 30-day trial
Flexible European banking with personal and business accounts, cards, and international transfers.
Visit bunqFull verdict → - Nubank8.4/10 · Free plan
Nubank pairs everyday Pix payments with goal-based savings in a free mobile account.
Visit NubankFull verdict →
bunq vs Nubank: questions
Which is better for neobank apps, bunq or Nubank?
bunq scores higher on our rubric for neobank apps: 9.2 against 8.4 out of 10; our editors rank them #2 and #8.
How do bunq and Nubank compare?
All 3 checks we put side by side come out level: neither leads on any.
Do bunq and Nubank have a free plan?
bunq: Yes. Nubank: Yes.
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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Last updated · How we research and update