bunq vs Renta 4 Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Open account in 5 minutes
- Budgeting and income organizer
- Invest in stocks and crypto
- Contactless payments
- Multi-currency accounts
- Worldwide travel insurance
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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.
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.
- Card application
- Card activation
- PIN lookup
- Card on/off toggle
- Transaction limit management
- Transaction history
- Notification settings
- Payment authorization
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | bunq | Renta 4 Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (1.5K ratings) — better | — |
| Positive reviews | 42.4% of reviews — better | 14.3% of reviews |
| Number of ratings | 1.5K — better | — |
| Update frequency | Weekly — better | Every 17 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Freemium | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 468 MB | 10 MB |
| Age rating | 4+ | 4+ |
| Developer | bunq | Renta 4 |
Customer experience
bunq
Renta 4 Pay
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
bunq
No in-app purchases
Renta 4 Pay
No in-app purchases
Questions
Is bunq free?
Is Renta 4 Pay free?
Do bunq or Renta 4 Pay have ads?
Which is updated more often, bunq or Renta 4 Pay?
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