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 | Free €0; Core €3.99; Pro €9.99; Elite €18.99 |
| Курс обмена | Uses your card's FX terms | Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year) |
| Отправка / получение | No Google fee; send money only in India and Singapore | Free instant euro transfers; SWIFT €5 |
| Выводы средств | N/A | Free: €2.99 each; Pro/Elite: first 6 a month free |
| Карта | No standalone card; stores cards, passes & tickets | Yes — physical & virtual Mastercard |
| Доступность | Countries on Google supported-countries list; tap to pay varies by country | EU residents (new UK sign-ups paused) |
| Валюты | Local card currency | About 20 currencies; local IBANs from 7 EU countries |
| 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 in the countries on Google's supported list, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but sending money to friends is only offered in India and Singapore. The natural everyday wallet for Android users.
Плюсы
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Минусы
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- 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. 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.
Плюсы
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Минусы
- 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)
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.