Apple Pay vs bunq
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Apple Pay | bunq |
|---|---|---|
| Ocena | 4.4 / 5 | 4.0 / 5 |
| Najlepszy do | Contactless payments on Apple devices | Digital nomads needing EU banking + multi-currency |
| Opłata miesięczna | Free | Free €0; Core €3.99; Pro €9.99; Elite €18.99 |
| Kurs wymiany | Uses your card's FX terms | Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year) |
| Wysyłanie / odbiór | Apple Cash P2P free; instant 1.7% | Free instant euro transfers; SWIFT €5 |
| Wypłaty | Standard Apple Cash free; instant 1.7% | Free: €2.99 each; Pro/Elite: first 6 a month free |
| Karta | No standalone card; tokenises existing cards | Yes — physical & virtual Mastercard |
| Dostępność | Apple Pay in 101 countries and regions (Apple list, 27 Oct 2026); Apple Cash US-only | EU residents (new UK sign-ups paused) |
| Waluty | Local card currency; Apple Cash USD | About 20 currencies; local IBANs from 7 EU countries |
| Regulacja | Apple Cash via Green Dot Bank (US); rides card networks | De Nederlandsche Bank (DNB) full EU banking licence |
| Założono | 2014 | 2012 |
Apple Pay
Apple Pay is the default contactless wallet for iPhone and Apple Watch users, offering fast, private, tokenized tap-to-pay available in 100+ countries and regions with no Apple 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.
Zalety
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Available in 100+ countries and regions
Wady
- 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. Its free plan is limited (virtual card only, €2.99 per ATM withdrawal), so most travellers will want Core or Pro. A strong choice for EU residents wanting flexible, feature-rich banking.
Zalety
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Wady
- Free plan has only a virtual card and €2.99 ATM fees
- Free plan FX rises to 1.5% after €1,000 a year
- EU residents only (UK sign-ups paused, US pending a licence)
Podsumowanie
Ogólnie Apple Pay wysuwa się na prowadzenie z wynikiem 4.4 wobec 4.0 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.