Comparison

bunq vs Tikkie

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

bunq

A mobile banking app designed for various life stages, offering easy account opening, wealth management, and budgeting tools. It provides features for everyday banking, business needs, and international lifestyles, with options for investing and cryptocurrency trading.

Highlights
  • Multiple bank accounts
  • Card management
  • Savings accounts and term deposits
  • Stock and ETF investing
  • Cryptocurrency trading
  • Contactless payment acceptance
  • Worldwide travel insurance
Features
Read full description

Say hello to bunq – the mobile bank that's there for you at every chapter of your life! Whether exploring new countries, building your dream business, or managing family life, bunq helps you grow your wealth, spend, and budget effortlessly. Open your account in just 5 minutes and start your 30-day free trial today. Our Plans bunq Free - €0/month Get started with essential banking. • 3 Bank Accounts to get you started • 1 Digital Card with Apple Pay support • Scheduled Payments and AutoAccept for requests • Earn 3.01% interest on USD/GBP savings • Invest in stocks with ease • Buy and sell cryptocurrencies in the EEA • Save up to 90% on roaming costs with an eSIM from bunq Business features: • Accept contactless payments with Tap to Pay • Integration with 50+ bookkeeping tools bunq Core - €3.99/month A bank account for everyday use. All bunq Free benefits, plus: • 5 Bank Accounts for your everyday needs • 1 physical card included • Personalize your physical card to make it uniquely yours • Shared account access • Add loyalty cards for quick access • Unlimited ZeroFX • 24/7 SOS Hotline for emergencies Business features: • Co-founder access • Shared account access • Bookkeeping integrations bunq Pro - €9.99/month The bank account that makes budgeting easy. All bunq Core benefits, plus: • 25 Bank Accounts for effortless budgeting • 3 physical cards and 25 Digital Cards included • Personalized budgeting insights and income organiser • 5 fee-free foreign currency payments/month • Secondary PIN for multiple accounts on one card • 20% Discount on stock trading fees • Student offer: pay €0/month Business features: • Add up to 3 employees • Company Cards (debit or credit) and Tap to Pay access • AutoVAT bunq Elite - €18.99/month The account for your international lifestyle. All bunq Pro benefits, plus: • Worldwide Travel Insurance • 10 fee-free foreign currency payments/month • 8GB worldwide data • 50% discount on stock trading fees Business features: • Add up to 10 employees • 500 fee-free transactions/year Your security = Our priority Boost your bank security with two-factor authentication and 100% control of cards. Your deposits = Fully protected Your money is insured up to €100,000 by the DGS.. Invest in the bunq app through our partners. Investing involves risks, including potential loss. bunq does not provide trading advice. Manage your investments at your own risk. bunq is authorized by the DNB. Our US office resides at 401 Park Ave S. New York, NY 10016, USA.

About

Tikkie

Easily request and send money to friends and family. Share payment links via messaging apps to get paid back quickly without exchanging bank details. Track group expenses and enjoy cashback deals.

Highlights
  • Send payment requests
  • Receive money easily
  • Group expense tracking
  • Cashback deals
  • No bank account exchange
  • Business payment requests
Read full description

Requesting back your money and paying back other people doesn’t have to be difficult. Tikkie lets your friends pay you back quickly and easily over WhatsApp, Telegram, Messenger or by text message. And it’s really easy to transfer money with Tikkie, no matter where you bank. Anyone can use Tikkie! When to use Tikkie Tikkie comes in handy when you have paid for someone else and you want your money back, or when someone else has paid for you and you need to pay them back. Whether it’s a one-off purchase or various different group expenses, Tikkie can be used in any situation. You might have paid for: • drinks with your club friends; • a present for a colleague; • festival tickets; • weekend away with friends; • household expenses in your student house. Really easy payment requests Simply use Tikkie to send a payment request over WhatsApp, Telegram or Messenger, by text message, or however else you want. The request will contain a link that your friends can use to pay you back. So you no longer need to exchange account numbers! Your friends don’t need to have Tikkie, but they do need a Dutch current account, and a Dutch, Belgian or German phone number. Tip: you can now also let your friends fill in the amount themselves. That’s handy when different people owe you different amounts. Track your group expenses and settle up Tikkie makes it easy for you to keep track of group expenses too. Create a Groepie, invite your friends, and you’re good to go. All of the group members can add and settle up expenses, with a Tikkie of course! Good to know: your friends need the Tikkie app to join a Groepie. Unique deals with Tikkie Terug Get money back from well-known brands thanks to cashback promotions! If you see a QR code in a shop or on an online promotion page, simply scan it with the Tikkie app and get all or part of the purchase price back right away. iDEAL | Wero payments Your friends pay you back using iDEAL | Wero and their own banking app, and the money is paid straight into your current account. Payments through Tikkie also use iDEAL | Wero and we don’t charge any transaction fees for this. For businesses too If you’re an ABN AMRO business client, make things easy on yourself and your customers by sending a payment request! Tikkie is also available to businesses, from self-employed individuals to multinationals. Your invoices are paid fast and your customers are happy. They don’t need cash, and you don’t need an expensive payment terminal. ABN AMRO initiative Tikkie is an ABN AMRO initiative, which means your details are secure. ABN AMRO only uses your details for the payments requests and payments, and not for any commercial activities.

Screenshots

bunq4 screens
Tikkie4 screens

Verdict

The call

The clearest difference is rating: Tikkie at 4.8 against bunq's 4.4. bunq's advantage is review sentiment (42% vs 19%) and update cadence (weekly vs monthly). On price, ratings volume, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Tikkie holds the better App Store score, 4.8 against 4.4. Both are backed by a comparable volume of ratings — 1.4K and 1.5K respectively. Written reviews complicate that: 42% of bunq's written reviews are positive against 19% of Tikkie's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

bunq ships an update weekly, Tikkie monthly. Both last shipped on September 24, 2026.

Scorecard3 real differences · 7 level
bunq versus Tikkie: the parameters behind the verdict, then further details
ParameterbunqTikkie
PriceFreeFree
Rating4.4 (1.4K ratings)4.8 (1.5K ratings) — better
Positive reviews42.1% of reviews — better18.7% of reviews
Number of ratings1.4K1.5K — better
Update frequencyWeekly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad — betteriPhone
Requires iOS16.016.0
Further details — not scored
Size472 MB238 MB
Age rating4+4+
DeveloperbunqABN AMRO Bank N.V.

Customer experience

bunq

All ratings1,375 ratings
Positive85.4%
Neutral2.8%
Negative11.9%
Written reviews259 reviews
Positive42.1%
Neutral5.0%
Negative52.9%

Tikkie

All ratings1,461 ratings
Positive96.2%
Neutral1.8%
Negative2.0%
Written reviews75 reviews
Positive18.7%
Neutral9.3%
Negative72.0%

User reviews

bunq

From 1.4K App Store ratings

What we love

  • 🚀 Instant payments
  • 💡 Innovative features
  • 👍 Easy to use
  • 🌍 Great for expats
  • 🔒 Secure banking

Room to improve

  • 🐛 Buggy app
  • 🕰️ Slow customer support
  • 💰 Expensive fees
  • 🤖 Unhelpful AI chatbot
  • 🔒 Account freezing issues

Tikkie

From 1.5K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Great app

Room to improve

  • 🚫 Only works with Dutch IBAN
  • 🚫 Doesn't support non-Dutch phone numbers
  • 🚫 Doesn't work in Belgium
  • 🚫 Doesn't work with Revolut accounts
  • 🐛 Crashes often

Bugs and requests

bunq

Reported bugs

3 issues
  • App crashes on login
  • Incorrect transaction recording
  • Verification issues

Requested features

3 requests
  • Bring back previous app design
  • Improve account management features
  • Provide phone-based customer support

Tikkie

Reported bugs

2 issues
  • Incompatible with new iPhone models
  • Doesn't work with non-Dutch IBANs

Requested features

5 requests
  • Support for Belgian bank accounts
  • Support for non-Dutch phone numbers
  • Support for more European countries
  • History of paid Tikkies
  • Bancontact integration for Belgium

In-app purchases

None

bunq

No in-app purchases

None

Tikkie

No in-app purchases

Questions

Is bunq free?
bunq is free to download, with no in-app purchases.
Is Tikkie free?
Tikkie is free to download, with no in-app purchases.
Which has better reviews, bunq or Tikkie?
Tikkie is rated higher. bunq averages 4.4 out of 5 from 1.4K ratings, while Tikkie averages 4.8 from 1.5K ratings.
Do bunq or Tikkie have ads?
Neither bunq nor Tikkie shows ads.
Which is updated more often, bunq or Tikkie?
bunq ships an update weekly, and Tikkie monthly. Most recently, bunq was updated on September 24, 2026 and Tikkie on September 24, 2026.

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