Overview
Deciding between Revolut Premium and bunq Pro? In this article, we provide a detailed comparison of these bank accounts, their prices and terms. Firstly, we will provide a quick summary and key information about the two 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.
Both plans occupy a "Premium" niche in their banks' product portfolios with just a single VIP plan priced higher for both neobanks. They offer sufficient solutions to all baseline banking and payment needs and mostly differ in the unique features available to users. So, in a battle of "bunq vs Revolut", who has the upper hand? Let's find out by first getting familiar with both banks.
It is important to keep your specific use cases in mind and identify the key characteristics you care about.
Revolut Premium
This higher-tier plan from Revolut promises "an upgrade to a global lifestyle", allowing users to spend, invest and save money in various currencies and other assets. With travel insurance, purchase protection and lounge access, Premium is a real strong proposition for users all across the globe.
bunq Pro
bunq Pro is a feature-rich digital banking plan designed for personal users in the Netherlands and across Europe. Enjoy up to 25 sub-accounts with unique IBANs, seamless mobile payments, and global card support. With a high 2.01% savings interest rate and 1% cashback on dining, bunq Pro combines everyday banking with smart money management and eco-friendly perks.
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 Premium
- Pro: Shared banking options: Junior accounts for 2 kids and Group Vaults for saving together included in this plan.
- Pro: Disposable virtual cards and two customizable physical cards with a wide range of exclusive designs included in subscription.
- Pro: You get both a European IBAN and a UK bank account included at no additional cost with this subscription.
- Con: ATM withdrawals after a fairly low €400 monthly allowance comes at a high fee of 2%.
- Con: No metal cards available - you would need to upgrade to a more expensive Metal plan for that.
- Con: Revolut users frequently encounter services declining Revolut IBANs service due to bank's excessive anti-fraud policies.
bunq Pro
- Pro: Bank like a local across Europe with multiple IBANs, local payment methods and global card acceptance.
- Pro: Up to 25 sub-accounts and joint accounts for easy budgeting and shared finances.
- Pro: Earn a higher-than-most annual interest on savings and 1% cashback on dining.
- Con: ATM withdrawal limits are fairly restrictive and a small fee is applied after free monthly allowance.
- Con: No premium perks like travel insurance – you'll have to upgrade to Elite for those.
- Con: Some features may not initially appear intuitive for casual users seeking simplicity.
Our verdict: Revolut Premium or bunq Pro?
In conclusion, both of these plans are great solutions to any banking needs you might have, and the choice most likely comes down to what your individual use case is.
bunq's Pro banking service would be more suited for someone into social and shared banking, while Revolut's Premium should be the choice for a world traveler.
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.
We advise you to keep in mind that the information on pricing, specific billing details, contract terms and availability of products in various markets is subject to change and can appear different from the one provided in this article. Our goal is to keep the information in this comparison as fresh and factually correct as possible, but we do not claim that it is 100% accurate at all times. As such, we advise you to treat the information provided on this website as indicative and urge you to always check the banks' official websites for actual conditions prior to signing up.
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