Google Wallet vs bunq
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Google Wallet | bunq |
|---|---|---|
| Оцінка | 4.3 / 5 | 4.0 / 5 |
| Найкраще для | Contactless payments & passes on Android | Digital nomads needing EU banking + multi-currency |
| Щомісячна комісія | Free | ~€3–€18/mo (Core/Pro/Elite) |
| Обмінний курс | Uses your card's FX terms | ~0.5–1.5% by plan/currency |
| Надсилання / отримання | No Google fee; P2P limited in many markets | Free SEPA on paid plans |
| Виведення коштів | N/A | Limited free ATM on higher plans |
| Картка | No standalone card; stores cards, passes & tickets | Yes — physical & virtual Mastercard |
| Доступність | Tap-to-pay in 100+ countries | 30+ EEA countries (+ UK via e-money) |
| Валюти | Local card currency | ~20+ currencies |
| Регулювання | Rides card networks; licences by region | De Nederlandsche Bank (DNB) full EU banking licence |
| Засновано | 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.
Плюси
- Free contactless across 100+ countries
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Мінуси
- 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.
Плюси
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Мінуси
- No fully free everyday plan (subscription)
- FX markup higher on lower tiers
- Mainly EEA-focused availability
Підсумок
Загалом Google Wallet вириває перевагу з оцінкою 4.3 проти 4.0 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.