Verdict
- At least one of the two cards does not have enough published data for an overall score.
- bunq is clearly stronger on: Limits & ATM.
- N26 is clearly stronger on: Fees, Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
bunq is a good fit for
- Frequent travellers
Stronger on: Limits & ATM
N26 is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees, Availability
Score by criterion
| Criterion | bunq | N26 |
|---|---|---|
| Fees | 72 | 100 |
| Cashback & rewards | – | – |
| Availability | 53 | 80 |
| FX & international | 80 | – |
| Product features | – | – |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | 90 | 80 |
| Transparency | 79 | – |
| Best for Travel | 7.2 | n/a |
| Best for Low Fees | 7.8 | 7.7 |
| Best for Beginners | 6.1 | n/a |
| Best E-Money Card | 7.2 | 7.3 |
Product
Product status
ActiveShow source
Product status: Active
Source: Compare bunq Personal Plans
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Compare N26 bank account features and services
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
MastercardShow source
Network: Mastercard
Source states (paraphrased): ZeroFX uses real Mastercard rates.
Source: ZeroFX with bunq
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Free €0 · Core €3.99/mo · Pro €9.99/mo · Elite €18.99/moShow source
Tiers / plans: Free €0 · Core €3.99/mo · Pro €9.99/mo · Elite €18.99/mo
Source: Compare bunq Personal Plans
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard (free) · Smart €4.90/mo · Go €9.90/mo · Metal €16.90/mo*Show source
Tiers / plans: Standard (free) · Smart €4.90/mo · Go €9.90/mo · Metal €16.90/mo
Belgium/Spain pricing; EU page lists Smart at €9.90
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Belgium/Spain pricing; EU page lists Smart at €9.90
Fees
Monthly fee
Free*Show source
Monthly fee: Free
Free plan; Core €3.99, Pro €9.99, Elite €18.99 per month
Source: Compare bunq Personal Plans
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Free plan; Core €3.99, Pro €9.99, Elite €18.99 per month
Free*Show source
Monthly fee: Free
Standard account
Source: Bank for free with an N26 account (Belgium)
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard account
Physical card fee
€99*Show source
Physical card fee: €99
Metal card on Pro and Elite; extra physical cards €9.99 plus a monthly fee
Source: Discover bunq credit, digital and metal cards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal card on Pro and Elite; extra physical cards €9.99 plus a monthly fee
FX fee
0.5%*Show source
FX fee: 0.5%
Core, Pro, Elite (ZeroFX: Mastercard rate + markup); Free plan only €1,000/year at the standard rate
Source: ZeroFX with bunq
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Core, Pro, Elite (ZeroFX: Mastercard rate + markup); Free plan only €1,000/year at the standard rate
ATM fee
€0.99*Show source
ATM fee: €0.99
Core: €0.99 for the first five per month, €2.99 after; Pro/Elite: six free per month
Source: Need cash?
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Core: €0.99 for the first five per month, €2.99 after; Pro/Elite: six free per month
€2*Show source
ATM fee: €2
Euro withdrawals above the free quota (Standard 2/month, Smart 3, Go 5, Metal 8 in DE, FR and rest of Europe)
Source: Withdraw Cash for Free
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Euro withdrawals above the free quota (Standard 2/month, Smart 3, Go 5, Metal 8 in DE, FR and rest of Europe)
Other fees & markups
1.7% fee on foreign-currency ATM withdrawals with Standard and Smart (free with Go and Metal)Show source
Other fees & markups: 1.7% fee on foreign-currency ATM withdrawals with Standard and Smart (free with Go and Metal)
Source: Withdraw Cash for Free
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Spain, Netherlands*Show source
Available in: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Spain, Netherlands
Most EEA countries supported; list continues on the source page
Source: Who can open a bunq Personal account?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 55%
Most EEA countries supported; list continues on the source page
Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland*Show source
Available in: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland
24 markets; France excludes overseas territories; residency requirements apply
Source states (paraphrased): N26 currently operates in 24 markets (list on the support page).
Source: Availability across Countries
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
24 markets; France excludes overseas territories; residency requirements apply
Annual cost at 1,500 EUR/month
bunq
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs−12 EUR
- Cashbackunknown
- Net annual valuenot enough data
N26
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−24 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers