Comparison

bunq vs Renta 4 Pay

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 offering easy account opening, budgeting tools, and investment options. Choose from various plans to manage personal or business finances, with features like contactless payments, multi-currency accounts, and travel insurance.

Highlights
  • Open account in 5 minutes
  • Budgeting and income organizer
  • Invest in stocks and crypto
  • Contactless payments
  • Multi-currency accounts
  • 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

Renta 4 Pay

Manage your debit cards effortlessly with this finance app. Request, activate, and control your cards, including PIN access, transaction limits, and payment authorizations, all from your mobile device.

Highlights
  • Card application
  • Card activation
  • PIN lookup
  • Card on/off toggle
  • Transaction limit management
  • Transaction history
  • Notification settings
  • Payment authorization
Read full description

Descubre ahora la aplicación R4 PAY para iPhone de Renta 4 Banco. La forma más sencilla y rápida para solicitar, activar y gestionar tus tarjetas de débito, estés donde estés. La aplicación incluye funcionalidades como: * Contratación de tarjetas. * Activación de tarjetas. * Consulta de PIN. * Apagado y encendido de tu tarjeta. * Gestión de límites operativos. * Consulta de movimientos. * Gestión de notificaciones. * Autorización de pagos. Aplicación gratuita ¡Descarga ya R4 Pay! y disfruta de la comodidad de gestionar tus tarjetas de Renta 4 Banco desde tu iPhone o iPad. Para más información consulta nuestra página www.r4.com o escríbenos a clientes@renta4.es.

Screenshots

bunq4 screens
Renta 4 Pay4 screens

Verdict

The call

The clearest difference is update cadence: bunq at weekly against Renta 4 Pay's every 17 months. bunq also leads on review sentiment (42% vs 14%). Renta 4 Pay's advantage is monetization model (free vs freemium) and iOS requirement (13.0 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, Renta 4 Pay every 17 months. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
bunq versus Renta 4 Pay: the parameters behind the verdict, then further details
ParameterbunqRenta 4 Pay
PriceFreeFree
Rating4.5 (1.5K ratings) — better—
Positive reviews42.4% of reviews — better14.3% of reviews
Number of ratings1.5K — better—
Update frequencyWeekly — betterEvery 17 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreemiumFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.013.0 — better
Further details — not scored
Size468 MB10 MB
Age rating4+4+
DeveloperbunqRenta 4

Customer experience

bunq

All ratings1,468 ratings
Positive86.0%
Neutral2.6%
Negative11.4%
Written reviews264 reviews
Positive42.4%
Neutral4.9%
Negative52.7%

Renta 4 Pay

Written reviews7 reviews
Positive14.3%
Neutral0.0%
Negative85.7%

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

Renta 4 Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

bunq

No in-app purchases

None

Renta 4 Pay

No in-app purchases

Questions

Is bunq free?
bunq is free to download, with no in-app purchases.
Is Renta 4 Pay free?
Renta 4 Pay is free to download, with no in-app purchases.
Do bunq or Renta 4 Pay have ads?
Neither bunq nor Renta 4 Pay shows ads.
Which is updated more often, bunq or Renta 4 Pay?
bunq ships an update weekly, and Renta 4 Pay every 17 months. Most recently, bunq was updated on November 6, 2026 and Renta 4 Pay on November 3, 2026.

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