# bunq vs ZEN.COM

The clearest difference is monetization model: ZEN.COM at free against bunq's freemium. On price, rating, review sentiment and ratings volume there is nothing between them.

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

ZEN.COM holds the better App Store score, 4.6 against 4.4. Both are backed by a comparable volume of ratings — 1.4K and 652 respectively. Written reviews point the same way: 42% of bunq's written reviews are positive against 45% of ZEN.COM's.

bunq ships an update weekly, ZEN.COM every 6 days. The most recent releases landed on October 26, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | bunq | ZEN.COM |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (1.4K ratings)](https://appshunter.io/ios/app/bunq/id1021178150/reviews) | **[4.6 (652 ratings)](https://appshunter.io/ios/app/zencom-multicurrency-account/id1505547865/reviews)** |
| Number of ratings | **1.4K** | 652 |
| Positive reviews | 42.4% of reviews | **45.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Weekly | **Every 6 days** |
| Monetization | Freemium | **Free** |
| Size | 468 MB | 551 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [bunq](https://appshunter.io/developer/1021178149) | [UAB ZEN.COM](https://appshunter.io/developer/1505547864) |

## What reviewers say

### bunq

[App page](https://appshunter.io/ios/app/bunq/id1021178150)

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:** macOS Compatibility, Siri integration, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- App crashes on login
- Incorrect transaction recording
- Verification issues

**Requested features**

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


### ZEN.COM

[App page](https://appshunter.io/ios/app/zencom-multicurrency-account/id1505547865)

Manage all your finances in one place. Send money, pay bills, shop online with cashback, and protect your purchases. Enjoy fair exchange rates and clear pricing for everyday spending and travel.

**Highlights:** Digital mobile wallet, Debit cards and transfers, Instant cashback deals, Purchase protection, Multi-currency account, Contactless payments, Send money

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is bunq free?

bunq is free to download, with no in-app purchases.

### Is ZEN.COM free?

ZEN.COM is free to download, with no in-app purchases.

### Which has better reviews, bunq or ZEN.COM?

ZEN.COM is rated higher. bunq averages 4.4 out of 5 from 1.4K ratings, while ZEN.COM averages 4.6 from 652 ratings.

### Do bunq or ZEN.COM have ads?

Neither bunq nor ZEN.COM shows ads.

### Which is updated more often, bunq or ZEN.COM?

bunq ships an update weekly, and ZEN.COM every 6 days. Most recently, bunq was updated on October 26, 2026 and ZEN.COM on October 27, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*