Apple Pay vs bunq
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Apple Pay | bunq |
|---|---|---|
| Puntuación | 4.4 / 5 | 4.0 / 5 |
| Ideal para | Contactless payments on Apple devices | Digital nomads needing EU banking + multi-currency |
| Comisión mensual | Free | ~€3–€18/mo (Core/Pro/Elite) |
| Tipo de cambio | Uses your card's FX terms | ~0.5–1.5% by plan/currency |
| Enviar / recibir | Apple Cash P2P free; instant 1.7% | Free SEPA on paid plans |
| Retiradas | Standard Apple Cash free; instant 1.7% | Limited free ATM on higher plans |
| Tarjeta | No standalone card; tokenises existing cards | Yes — physical & virtual Mastercard |
| Disponibilidad | Apple Pay 80+ countries; Apple Cash US-only | 30+ EEA countries (+ UK via e-money) |
| Divisas | Local card currency; Apple Cash USD | ~20+ currencies |
| Regulación | Apple Cash via Green Dot Bank (US); rides card networks | De Nederlandsche Bank (DNB) full EU banking licence |
| Fundación | 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.
Pros
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Accepted in 80+ countries
Contras
- 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.
Pros
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Contras
- No fully free everyday plan (subscription)
- FX markup higher on lower tiers
- Mainly EEA-focused availability
En resumen
En conjunto, Apple Pay se adelanta con una puntuación de 4.4 frente a 4.0, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.