N26 vs bunq
NotaPágina localizada automáticamente: títulos, cifras clave y categorías en español; las descripciones detalladas y los datos verificados provienen del perfil original en inglés.
Respuesta breveBoth are traditional neobanks with similar positioning — the real differences are FX markup, fees, license and geography, compared field by field below.
Comparación directa
| N26 | bunq | |
|---|---|---|
| Categoría | tradicional | tradicional |
| Público | general | general |
| Sede | Berlin, DE | Amsterdam, NL |
| Fundada | 2013 | 2012 |
| Custodia | Con custodia | Con custodia |
| Tipo de regulación | Banco autorizado | Banco autorizado |
| Detalle de licencia | German banking license | Dutch banking license |
| Tarjeta | MC · Debit | MC · Debit |
| Cashback | — | 1% (plan) |
| Rendimiento | ~2-4% (region) | Up to ~3.4% interest |
| Margen de FX | 0% N26 markup on card payments; Mastercard rate passed through (Standard plan) (2026-07) | Mastercard rate + 0.5% up to €1,000/yr; 3% conversion fee above that (Free plan) (2026-07) |
| Servicios | crypto on-ramp, crypto off-ramp, fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., virtual cards | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., multi-currency hold, virtual cards |
| Stablecoins | No | No |
| KYC | Sí | Sí |
| Regiones activas | Europa | Europa |
| Usuarios declarados | — | — |
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.