N26 vs bunq
NotePage localisée automatiquement — titres, chiffres clés et catégories en français ; les descriptions détaillées et les données vérifiées proviennent du profil original en anglais.
Réponse courteBoth are traditional neobanks with similar positioning — the real differences are FX markup, fees, license and geography, compared field by field below.
Côte à côte
| N26 | bunq | |
|---|---|---|
| Catégorie | traditionnelle | traditionnelle |
| Public | general | general |
| Siège | Berlin, DE | Amsterdam, NL |
| Fondée | 2013 | 2012 |
| Conservation | En conservation | En conservation |
| Type de régulation | Banque agréée | Banque agréée |
| Détail de licence | German banking license | Dutch banking license |
| Carte | MC · Debit | MC · Debit |
| Cashback | — | 1% (plan) |
| Rendement | ~2-4% (region) | Up to ~3.4% interest |
| Majoration 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) |
| Services | 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 | Non | Non |
| KYC | Oui | Oui |
| Régions actives | Europe | Europe |
| Utilisateurs déclarés | — | — |
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.