Comparison

bunq vs Uni5Pay+ M

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 3.51% 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 per month • Secondary PIN for multiple accounts on one card • 20% discount on stock trading fees • Student offer: pay €0 per 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 per month • 8GB worldwide data • 50% discount on stock trading fees Business features: • Add up to 10 employees • 500 fee-free transactions per 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 Deposit Guarantee Scheme (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 Dutch Central Bank (DNB). Our US office resides at 401 Park Ave S. New York, NY 10016, USA.

About

Uni5Pay+ M

Features
Read full description

Uni5Pay+ Merchant App is a mobile point-of-sale for Merchants and Micro-merchants to accept payments easily and cost effectively! 1. Direct Registration via APP - Merchants can register directly and check the registration status via the APP. 2. Generate static & dynamic QR codes - Merchants can generate static QR codes to accept payment, and also dynamic QR codes with the exact payment amount. 3. Immediate transaction results & notification - Transaction results will be immediately shown in the APP. If the APP is not opened a payment notification will be received. 4. Refund and Cancellation - Merchants can conduct purchase, refund and cancellation directly via the APP. 5. Multiple user rights - Merchants can create multiple users with different security levels in accepting payments e.g. Administrators, Store Managers and Cashiers. 6. Centralized Management System - a web-based platform is provided for merchants to manage all users and transactions in a centralized system. Visit our website at https://uni5pay.sr/ Follow us on: Facebook - https://www.facebook.com/uni5pay/ Instagram - https://www.instagram.com/uni5pay/ If you have any questions or feedback, please email us at customercare@uni5pay.sr

Screenshots

bunq4 screens
Uni5Pay+ M4 screens

Verdict

The call

The clearest difference is update cadence: bunq at weekly against Uni5Pay+ M's every 3 months. Uni5Pay+ M's advantage is iOS requirement (9.0 vs 16.0). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

bunq ships an update weekly, Uni5Pay+ M every 3 months. The most recent releases landed on October 24, 2026 and October 13, 2026 respectively.

Scorecard2 real differences · 8 level
bunq versus Uni5Pay+ M: the parameters behind the verdict, then further details
ParameterbunqUni5Pay+ M
PriceFreeFree
Rating4.4 (1.4K ratings) — better—
Positive reviews42.4% of reviews—
Number of ratings1.4K — better—
Update frequencyWeekly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreemium—
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.09.0 — better
Further details — not scored
Size468 MB16 MB
Age rating4+4+
DeveloperbunqSouthern Commercial Bank NV

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

Uni5Pay+ M

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

bunq

No in-app purchases

None

Uni5Pay+ M

No in-app purchases

Questions

Is bunq free?
bunq is free to download, with no in-app purchases.
Is Uni5Pay+ M free?
Uni5Pay+ M is free to download, with no in-app purchases.
Do bunq or Uni5Pay+ M have ads?
Neither bunq nor Uni5Pay+ M shows ads.
Which is updated more often, bunq or Uni5Pay+ M?
bunq ships an update weekly, and Uni5Pay+ M every 3 months. Most recently, bunq was updated on October 24, 2026 and Uni5Pay+ M on October 13, 2026.

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