# bunq vs Lydia

The clearest difference is rating: Lydia at 5.0 against bunq's 4.5. Lydia also leads on monetization model (free vs freemium) and review sentiment (60% vs 42%). bunq's advantage is ratings volume (1.5K vs 6). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Lydia holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: bunq has 1.5K ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 42% of bunq's written reviews are positive against 60% of Lydia's.

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on November 6, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | bunq | Lydia |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (1.5K ratings)](https://appshunter.io/ios/app/bunq/id1021178150/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/lydia/id6475691727/reviews)** |
| Number of ratings | **1.5K** | 6 |
| Positive reviews | 42.4% of reviews | **60.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Weekly | Weekly |
| Monetization | Freemium | **Free** |
| Size | 468 MB | 240 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [bunq](https://appshunter.io/developer/1021178149) | [LYDIA Solutions](https://appshunter.io/developer/495706608) |

## What reviewers say

### bunq

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

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:** 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


### Lydia

[App page](https://appshunter.io/ios/app/lydia/id6475691727)

Easily send and receive money with just a phone number. Create shareable money pots to collect funds quickly. This free service prioritizes security and privacy, meeting the latest banking standards.

**Highlights:** Send and receive money, Money pots for group collections, Wire transfers via phone number, Secure and private transactions, Free to use

**In-app purchases:** none


## Frequently asked questions

### Is bunq free?

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

### Is Lydia free?

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

### Which has better reviews, bunq or Lydia?

Lydia is rated higher. bunq averages 4.5 out of 5 from 1.5K ratings, while Lydia averages 5.0 from 6 ratings.

### Do bunq or Lydia have ads?

Neither bunq nor Lydia shows ads.

### Which is updated more often, bunq or Lydia?

bunq ships an update weekly, and Lydia weekly. Most recently, bunq was updated on November 6, 2026 and Lydia on November 8, 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.*