Revolut vs bunq
short answerRevolut is a hybrid neobank and bunq is traditional. Revolut is the larger platform (~50M users) and supports stablecoins. Compare custody, license, FX markup and fees field by field below.
Revolut: 50M+ users; crypto trading; stablecoin in FCA sandbox 2026.
bunq: EU-wide; API-first; 'Bank of The Free'.
Side by side
| Revolut | bunq | |
|---|---|---|
| Category | hybrid | traditional |
| Audience | general | general |
| HQ | London, UK | Amsterdam, NL |
| Founded | 2015 | 2012 |
| Custody | Custodial | Custodial |
| Regulation | Licensed bank | Licensed bank |
| License detail | UK banking license (2024); EU license (Lithuania) | Dutch banking license |
| Card | Visa/MC · Debit + credit | MC · Debit |
| Cashback | Perks by tier | 1% (plan) |
| Yield | Savings vaults | Up to ~3.4% interest |
| FX markup | Interbank rate; free to £/$1,000/mo on weekdays, 0.5% over; +1% weekend markup (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., multi-currency hold, virtual cards, crypto-settled card | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., multi-currency hold, virtual cards |
| Stablecoins | Yes | No |
| KYC | Yes | Yes |
| Regions | Europe, North America, Oceania, Asia, Latin America | Europe |
| Reported users | 50M customers (2025) | — |
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.