Bunq Easy Bank Account Compared with Revolut Plus

bunq Easy Bank Card

We are taking a look at how the Bunq Easy Bank account compares with Revolut Plus. Bunq has a €3.99 monthly fee while Revolut Plus is also €3.99 a month.

TIP: Bunq also has a savings account which currently pays 2.46% interest – and deposits are covered by the Dutch Bank Guarantee (upto €100,000)

bunq is another of the new digital banks available in Ireland. It is similar to other digital banking services such as Revolut and N26. Bunq has been available in Ireland for a couple of years – but in 2022 they started allowing new Irish customers to have an Irish IBAN.
This might help avoid some of the problems caused by some companies in Ireland not being able to cater for non-Irish IBANs.

bunq is based in the Netherlands and has a full EU banking licence and all funds up to €100,000 are covered by the Dutch bank guarantee.

ATM fees with bunq are 99c each for the first 5 a month – after the first 5 it’s €2.99 – but with a large maximum daily withdrawal limit of €500 you won’t need to use it very often.

Spending with the Bunq card in a non-euro currency will use the Mastercard Exchange Rate with a 1.5% foreign exchange fee and a 0.5% network fee. (Total 2%)

  • Direct Debits are possible with a Bunq account.
  • 1 Free physical Card (Mastercard Credit ** or Maestro Debit,)
  • Apple/Google Pay ,
  • 5x ATM withdrawals a month for €0.99 each Then ATM withdrawals are €2.99 each .
  • Annual interest of 0.09%
  • Direct Debits
  • Split receipts
  • Joint account (two Bunq account holders can have a joint sub-account with its own IBAN)

Bunq can also be used by under 18’s with parent/guardian permission.

** The bunq card , is a prepaid Mastercard credit card. But ,unlike a real credit card,- you can’t spend more than your balance. Every payment will be immediately deducted from your balance. But the card will be accepted like a credit card for things such as car hire and hotel reservations,

The Bunq IE Iban is BUNQIE22XXX – Once you have the app set up you can get your Irish IBAN by clicking on the Event tab on your Home screen.

Bunq also has an Easy Bank Pro account which has a few extra features and lower usage fees – but it comes with an €9.99 monthly fee.

You can sign up to Bunq Easy Bank here

Bunq also has an Easy Savings Account which currently pays 2.46% interest (May 2024) – and deposits are covered by the Dutch Bank Guarantee (upto €100,000).

Revolut Plus

With a Revolut Plus account, (€3.99 per month) – you get a Lithuanian IBAN and a UK GBP account.
Revolut can accept incoming payments in several currencies which might be useful for some people.

Using the Revolut Plus debit card you can spend/exchange up to €3,000 in other currencies every month for free. Anything over €3000 is charged a 0.5% fee .

ATM withdrawals with Revolut Plus – .
If you exceed €200 total withdrawn in a month you will be charged 2% of everything over €200. (Min fee €1)

Direct Debits are also possible with Revolut.

Revolut is now a fully licenced bank in Ireland and funds of up to €100,000 are guaranteed by the Lithuanian State company Deposit and Investment Insurance.

Revolut started offering interest on savings to Irish customers in 2024.

See our comparison of demand deposit accounts here.

All new customers joining Revolut from 13th Feb 2023 have been given Irish IBANs.

Share dealing on the New York Stock Exchange is also possible with over 750 US stocks available. Fees apply.
Revolut Plus also allows you to trade in cryptocurrencies such as Bitcoin, Ether or Stellar. Join Revolut Here

FeaturesRevolut PlusBunq Easy Bank Acc
Full Banking Licence?YesYes
Monthly Fee€3.99€3.99 (30 day free trial)
Account CurrencyEuro / GBPEuro
Card DeliveryFreeFree
ATM Withdrawals in EuroFirst €200 each month
is free then a 2% or €1 charge.
First 5 a month 99c each then €2.99 each.
Non Euro ATM withdrawals outside IrelandFirst 5 / €200 each month
is free then a 2% or €1 charge.
First 5 a month 99c each then €2.99 each.
Foreign Currency Card
First €3000 worth of
spending in a month is free
– then a 0.5% fee
2% Fee
Spending Limits€5000 in 96 hours€50,000 daily.
Apple PayYesYes
Google PayYesYes
Direct DebitsYes Yes
Can be operated from PC/Laptop as well as Smartphone ?PartialYes
Top up with another debit card?Yes (Free)Yes -First €500 a month is free than a 0.5% fee for EEA cards
or 2.5% for non-EEA
Age Limit18 - but two junior accounts can be linked.16+ = with parental approval
Debit Card TypeVisa Mastercard
Exchange rate UsedInterbank rate on
weekdays but 1%
worse on weeekends.
Mastercard Rate


Revolut Plus is much better for spending in foreign currencies and avoiding some of the conversion fees .

bunq will charge 2% in conversion fees – whilst Revolut will charge 0.5% on any foreign spending over €3000 in a month but spending under that amount has no conversion fees.

(See details of how much currency conversion the other Banks Charge Here)

Revolut Plus is also better than bunq Easy Bank Account if you need to receive payments in Non-Euro currencies.

If you like the idea of dabbling in the stock market or investing in cryptocurrencies such as Bitcoin – then Revolut will allow you to do that .

Bunq having an Irish IBAN will help avoid the hassle caused by some Irish companies who can’t seem to cope with IBANs that are not Irish (even though ECB regulations say they should).

You should also consider N26 bank account. More here on N26 compared to Revolut.

Sign Up For Revolut Here

Sign up to Bunq Here

Revolut compared to N26