Apple Pay vs bunq
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Apple Pay | bunq |
|---|---|---|
| Bewertung | 4.4 / 5 | 4.0 / 5 |
| Ideal für | Contactless payments on Apple devices | Digital nomads needing EU banking + multi-currency |
| Monatsgebühr | Free | ~€3–€18/mo (Core/Pro/Elite) |
| Wechselkurs | Uses your card's FX terms | ~0.5–1.5% by plan/currency |
| Senden / Empfangen | Apple Cash P2P free; instant 1.7% | Free SEPA on paid plans |
| Auszahlungen | Standard Apple Cash free; instant 1.7% | Limited free ATM on higher plans |
| Karte | No standalone card; tokenises existing cards | Yes — physical & virtual Mastercard |
| Verfügbarkeit | Apple Pay 80+ countries; Apple Cash US-only | 30+ EEA countries (+ UK via e-money) |
| Währungen | Local card currency; Apple Cash USD | ~20+ currencies |
| Regulierung | Apple Cash via Green Dot Bank (US); rides card networks | De Nederlandsche Bank (DNB) full EU banking licence |
| Gegründet | 2014 | 2012 |
Apple Pay
Apple Pay is the default contactless wallet for iPhone and Apple Watch users, offering fast, private, tokenized tap-to-pay accepted in 80+ countries with no usage fee. Apple Cash adds US-only peer-to-peer payments inside iMessage. Excellent for everyday spending within the Apple ecosystem but offers no standalone account or Android support.
Vorteile
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Accepted in 80+ countries
Nachteile
- Apple Cash P2P is US-only
- Locked to the Apple ecosystem
- Instant Apple Cash transfers cost 1.7%
bunq
bunq is an Amsterdam-based challenger bank with a full Dutch banking licence and €100,000 deposit protection, popular with digital nomads for its multi-currency support, sub-accounts and savings interest. Unlike some rivals it is subscription-based with no fully free everyday plan. A strong choice for EU residents wanting flexible, feature-rich banking.
Vorteile
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Nachteile
- No fully free everyday plan (subscription)
- FX markup higher on lower tiers
- Mainly EEA-focused availability
Das Fazit
Insgesamt liegt Apple Pay mit einer Bewertung von 4.4 gegenüber 4.0 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.