Google Wallet vs bunq
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Google Wallet | bunq |
|---|---|---|
| Оценка | 4.3 / 5 | 4.0 / 5 |
| Лучше всего для | Contactless payments & passes on Android | 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 | No Google fee; P2P limited in many markets | Free SEPA on paid plans |
| Выводы средств | N/A | Limited free ATM on higher plans |
| Карта | No standalone card; stores cards, passes & tickets | Yes — physical & virtual Mastercard |
| Доступность | Tap-to-pay in 100+ countries | 30+ EEA countries (+ UK via e-money) |
| Валюты | Local card currency | ~20+ currencies |
| Регулирование | Rides card networks; licences by region | De Nederlandsche Bank (DNB) full EU banking licence |
| Основан | 2011 (Wallet rebrand 2022) | 2012 |
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use and accepted in over 100 countries, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but its peer-to-peer money features have been scaled back. The natural everyday wallet for Android users.
Плюсы
- Free contactless across 100+ countries
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Минусы
- No own account or balance in most markets
- P2P money-sending wound down in many regions
- Feature set varies widely by country
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 Google Wallet выходит вперёд с оценкой 4.3 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.