Bunq vs Revolut 2026: Best European Banking App?

TL;DR Verdict

Bunq is a budgeting powerhouse with Spaces and savings goals. Revolut is a superapp for forex, stocks, and crypto. Both offer free tiers. Pick Bunq for structured saving, Revolut for travel and investing.

Plans and Monthly Fees

Both follow freemium model. Bunq description: "Free tier plus paid plans." Revolut description: "Free tier plus paid Premium and Metal tiers." Exact fees not provided. Check official websites for current pricing.

Feature	Bunq	Revolut
Budgeting & Savings	Spaces, savings goals	Budgeting tools, analytics
Foreign Exchange	Not highlighted	Forex services
Investing	Not highlighted	Stocks & crypto
API Access	Yes	Not highlighted
User Base	14M+ users, €7B+ deposits	Not disclosed

Budgeting: Spaces vs Pockets and Analytics

Bunq Spaces

Bunq's core budgeting tool is Spaces. Create separate sub-accounts for rent, groceries, travel, or savings goals. Money stays inside one overall account but organized. Setup takes seconds. Great for shared expenses.

Revolut Budgeting

Revolut offers built-in analytics and spending categories. Tracks expenses automatically. Pockets feature (not detailed in provided data) allows money compartmentalization. Reason: Revolut description mentions "budgeting" as part of superapp.

Winner for budgeting: Bunq Spaces more structured, Revolut analytics stronger for tracking.

Travel, FX, and Card Perks

Revolut Travel

Revolut description highlights "forex." Spend abroad with interbank exchange rates (weekdays, no markup up to certain limits). Premium and Metal tiers offer airport lounge access, travel insurance.

Bunq Travel

Bunq does not emphasize travel perks. Standard card works abroad but without specific FX kickbacks. No travel insurance mentioned.

Verdict: Revolut obviously stronger for frequent travelers.

Banking License, Deposit Protection, and Support

Both are regulated EU financial entities. Bunq calls itself a "neobank" (licensed bank). Revolut operates under "digital banking superapp" – holds a banking license from Bank of Lithuania. Deposit protection schemes apply (up to €100k per EU law) – not explicit in provided data but standard for licensed banks. Support: both offer in-app chat. No specifics on response times.

Recommendation: When to Pick Bunq, When to Pick Revolut

Choose Bunq if:

• You want clear budgeting with Spaces and savings goals.
• You need API access for automation or linking external tools.
• You prefer a no-frills banking app focused on deposits and spending.

Choose Revolut if:

• You travel frequently and need low-cost forex.
• You want to invest in stocks, crypto, or commodities.
• You like having everything (banking, trading, budgeting) in one app.

Both apps are excellent choices. The right pick depends on your primary need: saving vs. investing. For most users, a tie – each excels in different areas.