Revolut vs bunq
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | bunq |
|---|---|---|
| Note | 4.4 / 5 | 4.0 / 5 |
| Idéal pour | Travel spending and an all-in-one app | Digital nomads needing EU banking + multi-currency |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | Free €0; Core €3.99; Pro €9.99; Elite €18.99 |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year) |
| Envoyer / recevoir | Free between Revolut users | Free instant euro transfers; SWIFT €5 |
| Retraits | Free up to a monthly limit, then ~2% | Free: €2.99 each; Pro/Elite: first 6 a month free |
| Carte | Yes — virtual & physical debit; Metal on premium | Yes — physical & virtual Mastercard |
| Disponibilité | 40+ markets; cards usable in 160+ countries | EU residents (new UK sign-ups paused) |
| Devises | 30+ in-app (spend in 120+) | About 20 currencies; local IBANs from 7 EU countries |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | De Nederlandsche Bank (DNB) full EU banking licence |
| Création | 2015 | 2012 |
Revolut
Revolut is a feature-packed money super-app combining multi-currency accounts, travel-friendly cards, crypto, stocks and budgeting in one place. Free plans offer mid-market FX on weekdays with monthly limits, while paid tiers remove weekend surcharges and add perks. Its breadth is unmatched, though support quality and weekend FX fees are common gripes.
Avantages
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Inconvénients
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
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.
Avantages
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Inconvénients
- 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)
En résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 4.0 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.