Monese Classic vs bunq Easy Money

Comparing the most popular plans from two top digital banks

Ian McKenzie

Review by Ian McKenzie 

Head of Fintech Research

Contact author

Published: 28.12.22  

Updated: 28.12.22

Published: 28.12.22

Updated: 28.12.22

Deciding between Monese Classic and bunq Easy Money? The comparison below contains the results of our experts' investigation into these two plans, their benefits and terms. Below you will find a brief introduction for both of the banks, followed by a side-by-side comparison table of products available, benefits and fees of both accounts. A brief summary along with a list of pros and cons and our verdict can be found at the end of this page.

Digital banking has become increasingly popular in recent years, offering a convenient and modern alternative to traditional banks. Monese and bunq are two well-known digital banks that offer a range of bank accounts suited for any audiences - businesses, individuals and even joint bank accounts. In this article, we will compare the Monese Simple account and the bunq Easy Money account to help you decide which one is the perfect fit for you. We will look at the fees, features, and benefits offered by each account and provide a summary of the pros and cons of each option. Whether you are a seasoned digital banking user or new to the world of online banking, this comparison will provide you with all the information you need to make an informed decision.

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Monese Classic Star icon bunq Easy Money
Comparison Table Star icon Pros & Cons Star icon Our Verdict
Monese Classic vs bunq Easy Money - in-depth comparison of banks at Fintech Compass.

Monese Classic

  • Free plan available✔️
  • Joint accounts✔️
  • Business accounts✔️
  • Total users2'000'000+
  • Official
Classic is the mid-tier plan offered by Monese. It comes at a price point of €5.95 per month, which is lower than the usual €7.99 monthly price tag usually seen with mid-tier subscriptions from the likes of Revolut. Classic gives you free limits for cash deposits, withdrawal and more. It's worth mentioning that with this plan you can spend in foreign currencies free of any fees.

bunq Easy Money

  • Free plan available✔️
  • Joint accounts✔️
  • Business accounts✔️
  • Sign-up bonus30 days free
  • Official
Easy Money is a plan that allows you to bank like a local all over EU. With IBANs from multiple European countries and an array of various cards with global acceptance included in subscription, bunq's Premium-tier plan is a great choice for hassle-free banking. This plan will not only cover your day-to-day needs, but also provide a few "wow" features that will make you excited to be banking at bunq!

Bank Accounts for Individuals

Read our detailed reviews of personal bank accounts available at some of the world's most popular online banks, compare the plans they offer, explore their pricing and discover all the hidden fees.

Banking for individuals on mobile.

Comparison table

It is important to keep your specific use cases in mind and identify the key characteristics you care about. In order to assist you in this assessment, we provide a side-by-side breakdown of features and fees between Monese Classic and bunq Easy Money in a comparison table below.

Monese logo
bunq logo
Easy Money
Price, per month £ 5.95 € 8.99
CommitmentCancel monthlyCancel monthly
Sign-up bonus - 30 days free
Official website
Sub-accounts included125
Shared accounts Free joint account Up to 10 people
Child accounts ✔️
Mobile Payments
Apple Pay✔️✔️
Google Pay✔️✔️
Samsung Pay
Cards available Mastercard Mastercard
Cards included 1 3
Debit cards✔️✔️
Credit cards✔️
Virtual cards✔️✔️
Extra card fee - € 3.49 p/m
Replacement fee £ 4.95 € 9.99
Free replacements- 1 per year
Metal card✔️
Wooden cards
Payment Methods
Various Fees
SWIFT (receive) N/A € 5.00
Foreign exchange fee 2.00% 0.50%
Currency fee-free limit - -
ATM Withdrawals
Daily limit £ 500 € 1000
Free withdrawals, per month - 6 times
After that, per withdrawal 2.0% € 2.99
Withdrawal fee abroad 2.0% € 2.99
Interest Rate
Current accounts 0.0%
Savings accounts None%
Transaction & Deposit Limits
Deposit limit £ 50,000-
Deposit Protection Up to £85'000 Up to €100'000
Monthly spend limit--
Other financial products
Investments in-app ✔️
Crypto trading
Insurance Accident, medical
Lounge access
Transaction categorization ✔️ ✔️
Purchase protection UK only
Round-up savings ✔️ ✔️
Budgeting features ✔️ ✔️
Deals & Discounts ✔️ ✔️
Other benefits Free foreign spending Dual PIN, Auto-invest
Learn more

bunq & Monese: Pros & Cons

The detailed breakdown of dozens of terms and complex fee structures can get overwhelming - to avoid that, here are some of the key benefits and disadvantages of both Monese and bunq's propositions.

Monese Classic

bunq Easy Money

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Our Verdict: Monese Classic or bunq Easy Money?

In conclusion, Monese and bunq are both reputable digital banks that offer a range of financial products, including bank accounts. Both the Monese Simple account and the bunq Easy Money account offer a range of features and benefits, such as virtual and physical cards, low fees, and convenient mobile banking apps. It's no wonder both of these banks were featured in our experts' selection of the best digital bank accounts of 2022.

However, there are some key differences between the two accounts - we went over these in this article. Ultimately, the right bank account for you will depend on your individual financial needs and priorities. It is important to carefully consider the fees, features, and benefits offered by each bank before making a decision. And it makes sense to also consider other outstanding neobanks reviewed on our website - don't restrict yourself!

Choose Monese Classic if...

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You live in the UK or have relatives in Romania

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You're looking for a simple, yet powerful bank account

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You want to work on your credit history

Pick bunq Easy Money if...

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You want your bank to offer exciting and truly unique features

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You live in the Netherlands or Belgium

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You want to build an investment portfolio easily accessible from your banking app

If you found any of these plans to be a good fit for your specific banking needs, you will find links to their official websites or apps below. By signing up via links on our website, you support us in our mission of making finance easy and accessible to everyone.

⚠️ Please note that the information on pricing, contract terms and availability of products in certain markets is subject to change and can differ from what is stated above. We aim to keep this comparison as accurate and up-to-date as possible, but we advise you to treat the information provided above as indicative and always check banks' official websites for actual terms before signing up. ⚠️

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