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bunq vs Santander
Compare bunq and Santander for everyday banking. bunq gives you up to 25 IBANs (Pro/Elite), instant-access savings up to 3.11%, and full mobile banking.
bunq vs Santander
Compare bunq and Santander for everyday banking. bunq gives you up to 25 IBANs (Pro/Elite), instant-access savings up to 3.11%, and full mobile banking.
bunq vs Santander
Compare bunq and Santander for everyday banking. bunq gives you up to 25 IBANs (Pro/Elite), instant-access savings up to 3.11%, and full mobile banking.
Compare personal banking features
Compare bunq and Santander for everyday banking, including accounts, cards, savings, mobile features, travel use, and account flexibility.
| Feature | Santander | |
|---|---|---|
| Personal Plans | 4 plans starting from Free | 6 current accounts |
| Fully Digital Bank | Only applies to free online account | |
| Spanish IBAN | Up to 25 (Pro/Elite) | Up to 2 (Cuenta Online) |
| Payment Accounts | Up to 25 (Pro/Elite) | Up to 2 free accounts |
| Payment Requests | €0.27 per request | Yes (via Bizum) |
| Physical Cards | Physical debit card included with paid plans | Physical debit card |
| Digital Cards | Digital cards you create in the app | Debit card works in Apple Pay and Google Pay |
| Apple/Google Pay | ||
| Savings Accounts | Up to 3.11%* gross annual rate (Instant Access) | 0% TAE (Cuenta Online) |
Compare personal banking features
Compare bunq and Santander for everyday banking, including accounts, cards, savings, mobile features, travel use, and account flexibility.
| Feature | Santander | |
|---|---|---|
| Personal Plans | 4 plans starting from Free | 6 current accounts |
| Fully Digital Bank | Only applies to free online account | |
| Spanish IBAN | Up to 25 (Pro/Elite) | Up to 2 (Cuenta Online) |
| Payment Accounts | Up to 25 (Pro/Elite) | Up to 2 free accounts |
| Payment Requests | €0.27 per request | Yes (via Bizum) |
| Physical Cards | Physical debit card included with paid plans | Physical debit card |
| Digital Cards | Digital cards you create in the app | Debit card works in Apple Pay and Google Pay |
| Apple/Google Pay | ||
| Savings Accounts | Up to 3.11%* gross annual rate (Instant Access) | 0% TAE (Cuenta Online) |
Compare personal banking features
Compare bunq and Santander for everyday banking, including accounts, cards, savings, mobile features, travel use, and account flexibility.
| Feature | Santander | |
|---|---|---|
| Personal Plans | 4 plans starting from Free | 6 current accounts |
| Fully Digital Bank | Only applies to free online account | |
| Spanish IBAN | Up to 25 (Pro/Elite) | Up to 2 (Cuenta Online) |
| Payment Accounts | Up to 25 (Pro/Elite) | Up to 2 free accounts |
| Payment Requests | €0.27 per request | Yes (via Bizum) |
| Physical Cards | Physical debit card included with paid plans | Physical debit card |
| Digital Cards | Digital cards you create in the app | Debit card works in Apple Pay and Google Pay |
| Apple/Google Pay | ||
| Savings Accounts | Up to 3.11%* gross annual rate (Instant Access) | 0% TAE (Cuenta Online) |
Disclaimer
Comparison based on publicly available information as of October 2026. Features and rates may change. Please check Santander’s website for the latest details.
*Up to 3.11% Bonus Interest on all your EUR savings until your first threshold calculation. After that, savings up to your threshold earn Base Interest (1.61% on the first €10,000, 1.51% above that), and savings above your threshold earn 3.11% Bonus Interest. bunq rates as of October 2026. Terms and conditions apply.
* bunq B.V. is a bank with a Dutch banking license and is supervised by Dutch Central Bank (DNB) and the Authority for the Financial Markets (AFM).
3.11% is the bonus gross annual rate. You earn it on all your EUR savings until your first threshold calculation. Your threshold is your highest savings balance over the previous 6 months, recalculated every January 1 and July 1. After that, the part of your savings up to your threshold earns the base rate: 1.61% on the first €10,000 of that part and 1.51% on the rest. The part above your threshold earns the 3.11% bonus rate. All rates are variable and can change. Find more information on help.bunq.com/en-nl/articles/whats-massinterest-and-how-does-it-work
Not investment advice.
T&Cs Apply.
Disclaimer
Comparison based on publicly available information as of October 2026. Features and rates may change. Please check Santander’s website for the latest details.
*Up to 3.11% Bonus Interest on all your EUR savings until your first threshold calculation. After that, savings up to your threshold earn Base Interest (1.61% on the first €10,000, 1.51% above that), and savings above your threshold earn 3.11% Bonus Interest. bunq rates as of October 2026. Terms and conditions apply.
* bunq B.V. is a bank with a Dutch banking license and is supervised by Dutch Central Bank (DNB) and the Authority for the Financial Markets (AFM).
3.11% is the bonus gross annual rate. You earn it on all your EUR savings until your first threshold calculation. Your threshold is your highest savings balance over the previous 6 months, recalculated every January 1 and July 1. After that, the part of your savings up to your threshold earns the base rate: 1.61% on the first €10,000 of that part and 1.51% on the rest. The part above your threshold earns the 3.11% bonus rate. All rates are variable and can change. Find more information on help.bunq.com/en-nl/articles/whats-massinterest-and-how-does-it-work
Not investment advice.
T&Cs Apply.
Disclaimer
Comparison based on publicly available information as of October 2026. Features and rates may change. Please check Santander’s website for the latest details.
*Up to 3.11% Bonus Interest on all your EUR savings until your first threshold calculation. After that, savings up to your threshold earn Base Interest (1.61% on the first €10,000, 1.51% above that), and savings above your threshold earn 3.11% Bonus Interest. bunq rates as of October 2026. Terms and conditions apply.
* bunq B.V. is a bank with a Dutch banking license and is supervised by Dutch Central Bank (DNB) and the Authority for the Financial Markets (AFM).
3.11% is the bonus gross annual rate. You earn it on all your EUR savings until your first threshold calculation. Your threshold is your highest savings balance over the previous 6 months, recalculated every January 1 and July 1. After that, the part of your savings up to your threshold earns the base rate: 1.61% on the first €10,000 of that part and 1.51% on the rest. The part above your threshold earns the 3.11% bonus rate. All rates are variable and can change. Find more information on help.bunq.com/en-nl/articles/whats-massinterest-and-how-does-it-work
Not investment advice.
T&Cs Apply.
Switching to bunq is Easy
Easily move your banking to bunq with our Switch Service. Request the Switch Service in the app, and we will make sure all payments and direct debits from your old accounts are redirected to your new bunq account.
Switching to bunq is Easy
Easily move your banking to bunq with our Switch Service. Request the Switch Service in the app, and we will make sure all payments and direct debits from your old accounts are redirected to your new bunq account.
Switching to bunq is Easy
Easily move your banking to bunq with our Switch Service. Request the Switch Service in the app, and we will make sure all payments and direct debits from your old accounts are redirected to your new bunq account.
Join 22 million people banking with bunq
Sign up in just 5 minutes
- 1.
Download the bunq app
Get the app for iOS or Android.
- 2.
Fill in your details
Fill in your name, address, email, and phone number.
- 3.
Verify your ID
Verify your ID with a quick video selfie and start banking right away.
Join 22 million people banking with bunq
Sign up in just 5 minutes
- 1.
Download the bunq app
Get the app for iOS or Android.
- 2.
Fill in your details
Fill in your name, address, email, and phone number.
- 3.
Verify your ID
Verify your ID with a quick video selfie and start banking right away.
Join 22 million people banking with bunq
Sign up in just 5 minutes
- 1.
Download the bunq app
Get the app for iOS or Android.
- 2.
Fill in your details
Fill in your name, address, email, and phone number.
- 3.
Verify your ID
Verify your ID with a quick video selfie and start banking right away.
Choose your personal plan
Start simple. Upgrade when you want more ways to save, spend, and travel.
Choose your personal plan
Start simple. Upgrade when you want more ways to save, spend, and travel.
Choose your personal plan
Start simple. Upgrade when you want more ways to save, spend, and travel.
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