Overview
Choosing between Revolut Grow and bunq Pro Business? 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, after which you can explore our comparison table listing all the key information on fees and products available for both of the options. At the end of the article, we provide bullet points of key pros and cons of both options and our verdict.
Today, we will be comparing two mid-tier business bank accounts from leading European digital banks, Revolut and bunq. Occupying the SME niche with these plans, both of the banks provide an impressive range of features and banking products that are bound to satisfy all of the banking needs a small-scale company would have.
With Revolut being a more "traditional" choice while bunq is an up-and-coming challenger, both provide great value and a huge array of time-saving options that are sure to make banking for your company easier.
It is important to keep your specific use cases in mind and identify the key characteristics you care about.
Revolut Grow
Grow is the entry-tier Business plan from Revolut. Notable upgrades to your experience are free metal card, allowances for (international) payments, FX exchange as well as more advanced features such as bulk payments and business API. Another addition that could come in handy is the priority 24/7 support. This plan suits growing business that start to have somewhat more sophisticated business banking needs.
bunq Pro Business
Pro Business is a plan that helps you run your business from anywhere. With bookkeeping software integration, sorting your VAT automatically and an array of various cards with global acceptance included in subscription, bunq's premium-tier plan is a great choice for hassle-free business banking.
bunq & Revolut: 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 Revolut and bunq's propositions.
Revolut Grow
- Pro: Sizable allowances for local and international payments, as well as foreign exchange.
- Pro: Includes priority 24/7 support, making the wait shorter to get support on any banking questions.
- Pro: Includes advanced features such as payment approval, bulk payments and business API.
- Con: The monthly plan cost is relatively high comparing to some competitors.
- Con: Only 10 free international payments is included per month, which might not work for businesses with high volume transactions.
- Con: Only 1 free metal card is included in the plan, additional metal card comes with a high fee.
bunq Pro Business
- Pro: 25 sub-accounts, each with an individual IBAN, combined with automated payment categorization and sorting make cash flow management a breeze.
- Pro: Includes tools such as bookkeeping software integration that make your accounting easy and hassle-free.
- Pro: More advanced options to help you automatically sort out VAT & sending statements to take money admin out of running your business.
- Con: This plan does not yet offer an easy way to issue expense cards for your employees.
- Con: The web interface is somewhat limited and may not meet your needs if you prefer to handle money admin mostly from a desktop.
- Con: Slightly confusing app UI - takes a while to get used to how certain actions are performed.
Our verdict: Revolut Grow or bunq Pro Business?
In conclusion, the choice is not as straightforward. While bunq offers a cheaper overall package and can be treated as a "top-of-the-line" freelancer banking solution, Revolut aims to deliver superior value to a business that employs 10+ people and has a dedicated accountant and can fully utilize the payroll features and expense management solutions provided. Overall, we can safely say that the choice comes down to business owner's personal preference and none of the two options would leave you dissatisfied.
Since bunq provides a free 30-day "no strings attached" trial for every business subscription offered, we advise you to first try it to see if it is a fit for your needs before deciding between the two accounts. After all, nobody knows the needs of your business better than you do! Lastly, a side note: both of these banks provide amazing metal cards that are bound to make some heads turn.
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 in the "Pick … if" section above. 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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