Apple Pay vs bunq
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Apple Pay | bunq |
|---|---|---|
| Оценка | 4.4 / 5 | 4.0 / 5 |
| Лучше всего для | Contactless payments on Apple devices | Digital nomads needing EU banking + multi-currency |
| Ежемесячная комиссия | Free | ~€3–€18/mo (Core/Pro/Elite) |
| Курс обмена | Uses your card's FX terms | ~0.5–1.5% by plan/currency |
| Отправка / получение | Apple Cash P2P free; instant 1.7% | Free SEPA on paid plans |
| Выводы средств | Standard Apple Cash free; instant 1.7% | Limited free ATM on higher plans |
| Карта | No standalone card; tokenises existing cards | Yes — physical & virtual Mastercard |
| Доступность | Apple Pay 80+ countries; Apple Cash US-only | 30+ EEA countries (+ UK via e-money) |
| Валюты | Local card currency; Apple Cash USD | ~20+ currencies |
| Регулирование | Apple Cash via Green Dot Bank (US); rides card networks | De Nederlandsche Bank (DNB) full EU banking licence |
| Основан | 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.
Плюсы
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Accepted in 80+ countries
Минусы
- 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.
Плюсы
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Минусы
- No fully free everyday plan (subscription)
- FX markup higher on lower tiers
- Mainly EEA-focused availability
Итог
В целом Apple Pay выходит вперёд с оценкой 4.4 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.