Alternatives to Bunq that have a desktop app
Your questions about Bunq
Does Monito recommends using Bunq?
Yes! Bunq is particularly worthwhile for people with an international lifestyle as it allows easy and low-cost spending and transfers overseas. As such, if you live in Spain, France, Germany or the Netherlands and want an IBAN for one of these countries (and especially if you don't mind paying the €2.99 per month fee for the perks that bunq has to offer), then we'd recommend bunq's Easy Bank plan as the account for you. On the other hand, if you live in another country and don't mind paying upwards of €8.99 for an extensive range of additional perks, then bunq's premium accounts might make more sense for you. However, all told, bunq is far from the cheapest digital banking option available in the EU/EEA, and if you're looking to skip monthly account management fees altogether, compare alternatives instead.
Is Bunq Safe?
In principle, you can safely assume that all services presented on Monito comply with the latest and best security standards, and bunq is no exception. The Dutch Neobank holds a full banking license from the European Central Bank's Banking Supervision and is therefore fully authorized to offer banking services throughout the EU.
The customer funds held with bunq are similarly secure and are guaranteed by the deposit insurance of the Dutch National Bank up to a total of €100,000 per account. What's more, there are also various high-class security functions in the bunq app, which, for example, allow you to block lost cards in seconds and only release them for certain transactions or countries.
In our opinion, bunq is even more secure than many conventional banks, and users should have no security concerns and can use bunq with a clear conscience.
Who is Bunq for?
Bunq is available in most EU/EEA countries. As of 2021, residents of the Netherlands, Germany, Austria, Italy, Spain, France, Belgium, Ireland, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, Greece, Hungary, Latvia, Lithuania, Luxembourg, Malta, Poland, Portugal, Romainia, Slovakia, Slovenia, Sweden, the UK, Norway, and Iceland are elibile to sign up for an account.
Why Trust Monito?
You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.
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