Wise vs bunq
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Wise | bunq |
|---|---|---|
| Ocena | 4.5 / 5 | 4.0 / 5 |
| Najlepszy do | Cheap, transparent international transfers | Digital nomads needing EU banking + multi-currency |
| Opłata miesięczna | Free (one-time card fee in some regions) | Free €0; Core €3.99; Pro €9.99; Elite €18.99 |
| Kurs wymiany | Mid-market + transparent fee (often <0.5%) | Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year) |
| Wysyłanie / odbiór | Low variable fee (~0.33%+) | Free instant euro transfers; SWIFT €5 |
| Wypłaty | Free up to a monthly cap, then small fee | Free: €2.99 each; Pro/Elite: first 6 a month free |
| Karta | Yes — physical & virtual debit Mastercard | Yes — physical & virtual Mastercard |
| Dostępność | 160+ countries | EU residents (new UK sign-ups paused) |
| Waluty | 40+ currencies | About 20 currencies; local IBANs from 7 EU countries |
| Regulacja | FCA (UK), NBB (Belgium), FinCEN (US) | De Nederlandsche Bank (DNB) full EU banking licence |
| Założono | 2011 | 2012 |
Wise
Wise (formerly TransferWise) is the benchmark for transparent, low-cost international transfers, using the real mid-market rate plus a small visible fee. Its multi-currency account holds 40+ currencies with local account details, making it ideal for freelancers and frequent travellers. It is an e-money provider rather than a full bank, so it lacks credit products and bank-style deposit insurance.
Zalety
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Wady
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
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.
Zalety
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Wady
- 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)
Podsumowanie
Ogólnie Wise wysuwa się na prowadzenie z wynikiem 4.5 wobec 4.0 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.