Comparison

bunq vs Mashreq Pakistan

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 a range of accounts, savings, and investment options. It allows users to manage their finances, budget effectively, and access features like contactless payments and international services. Open an account in minutes and explore different plans to suit your needs.

Highlights
  • Multiple bank accounts
  • Savings with interest
  • Stock and crypto investing
  • Contactless payments
  • Budgeting insights
  • Worldwide travel insurance
  • eSIM for roaming data
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

Mashreq Pakistan

Manage your finances seamlessly and securely with this digital banking app. Open accounts instantly, earn competitive returns, and enjoy Shari'ah-compliant solutions. Transfer funds, pay bills, and access free ATM withdrawals across Pakistan.

Highlights
  • Instant digital account opening
  • Industry-leading returns on accounts
  • Shari'ah-compliant banking solutions
  • High daily transfer limits
  • Debit card application
  • 4,000+ biller payments
  • Free ATM withdrawals
  • 24/7 customer support
Features
Read full description

Experience seamless, efficient and secure banking on the go with Mashreq. Trusted by millions globally, Mashreq brings you a global award-winning digital banking app designed to simplify your financial needs in Pakistan. Mashreq combines innovation, Shari’ah-compliant values and advanced financial solutions - giving you an all-in-one digital banking app that makes managing money easier than ever. Instant digital account opening: Open a bank account in just 5 minutes with a seamless onboarding experience — no paperwork and no branch visits required. Enjoy instant account setup and convenient banking anytime, anywhere. Industry-leading returns in Pakistan: Access competitive profit rates through our high profit savings account offerings and flexible savings account solutions. Earn up to 11.5% profit on your Islamic Savings Account while managing your current account banking needs anytime, anywhere. Islamic-first banking: Discover trusted Islamic banking solutions built around your values. Mashreq offers secure Islamic banking services with Shariah-compliant financial offerings and modern digital convenience. Highest transfer limit: Send up to PKR 10 million daily with ease using Mashreq’s secure money transfer features. Transfer money quickly, safely and conveniently through the app. All-in-one solution: Apply for a debit card, transfer funds and manage utility bills seamlessly across 4,000+ billers directly from the mobile app. Exclusive rewards: Enjoy 10%* cashback on grocery store purchases with your Mashreq Mastercard Debit Card and Mashreq PayPay Debit Card, capped at PKR 5,000 per month. Free** ATM withdrawals: Withdraw cash across 19,000+ ATMs nationwide at no additional cost with convenient ATM withdrawal access. Secure banking: Enjoy encrypted transactions, advanced protection and a secure banking app experience designed to keep your finances safe. 24/7 customer support: Get instant support though the in-app chat support or visit our website for assistance. Why choose Mashreq Pakistan? Convenience: Convenient, cutting-edge banking. Anytime, anywhere Innovation: Rise with the best Islamic digital solution globally Security: Bank with confidence and peace of mind Commitment: Rising together, committed to a vision of an empowered Pakistan Get the best in-app experience, offering unmatched convenience and making your banking experience seamless and hassle-free. Become a part of the global award-winning Mashreq platform today and experience smarter banking built for your everyday needs. *Grocery cashback is applicable on current accounts only. Monthly cashback cap of PKR 5,000 per customer. T&Cs apply: mashreq.com/pkgrocerycashbacktncs **Standard 1 link fee charged at the time of transaction will be reimbursed to your account within 1 week.

Screenshots

bunq4 screens
Mashreq Pakistan4 screens

Verdict

The call

The clearest difference is monetization model: Mashreq Pakistan at free against bunq's freemium. bunq's advantage is ratings volume (1.5K vs 102) and update cadence (weekly vs every 3 weeks). On price, rating, review sentiment and ads 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.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.5 for bunq against 4.6 for Mashreq Pakistan. That said, the two scores are not equally well evidenced: bunq has 1.5K ratings behind it against 102, so its average is the more settled of the two. Written reviews are what separate them: 42% of bunq's written reviews are positive against 38% of Mashreq Pakistan's.

UpkeepUpdate frequency

bunq ships an update weekly, Mashreq Pakistan every 3 weeks. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.

Scorecard3 real differences · 7 level
bunq versus Mashreq Pakistan: the parameters behind the verdict, then further details
ParameterbunqMashreq Pakistan
PriceFreeFree
Rating4.5 (1.5K ratings)4.6 (102 ratings) — better
Positive reviews42.4% of reviews — better37.5% of reviews
Number of ratings1.5K — better102
Update frequencyWeekly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreemiumFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.015.1 — better
Further details — not scored
Size468 MB228 MB
Age rating4+4+
DeveloperbunqMashreq Bank PSC

Customer experience

bunq

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

Mashreq Pakistan

All ratings100 ratings
Positive92.0%
Neutral1.0%
Negative7.0%
Written reviews8 reviews
Positive37.5%
Neutral0.0%
Negative62.5%

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

Mashreq Pakistan

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

bunq

No in-app purchases

None

Mashreq Pakistan

No in-app purchases

Questions

Is bunq free?
bunq is free to download, with no in-app purchases.
Is Mashreq Pakistan free?
Mashreq Pakistan is free to download, with no in-app purchases.
Which has better reviews, bunq or Mashreq Pakistan?
Mashreq Pakistan is rated higher. bunq averages 4.5 out of 5 from 1.5K ratings, while Mashreq Pakistan averages 4.6 from 102 ratings.
Do bunq or Mashreq Pakistan have ads?
Neither bunq nor Mashreq Pakistan shows ads.
Which is updated more often, bunq or Mashreq Pakistan?
bunq ships an update weekly, and Mashreq Pakistan every 3 weeks. Most recently, bunq was updated on November 6, 2026 and Mashreq Pakistan on November 4, 2026.

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