Comparison

bunq vs Zento

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 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
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

Zento

Read full description

At Zento, we believe in smarter and more efficient payment solutions.  We are a 100% digital payment platform, built on the latest technology, designed to give you more time and control over your company’s finances.  Our platform makes it easier, more convenient, and cost-effective to manage your company’s financial transactions through innovative digital solutions.  Key Features: Quick and secure payment approvals Easy card management for your business Fast and convenient access with PIN or biometrics Real-time notifications and balance tracking for all your cards We are constantly striving to bring updates to the app to enhance your experience and this app is just the very beginning of that journey. Download the Zento app now and take control of your company’s finances.

Screenshots

bunq4 screens
Zento4 screens

Verdict

The call

bunq and Zento are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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, Zento every 11 days. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

ScorecardNo meaningful differences
bunq versus Zento: the parameters behind the verdict, then further details
ParameterbunqZento
PriceFreeFree
Rating4.4 (1.4K ratings) — better—
Positive reviews42.4% of reviews—
Number of ratings1.4K — better—
Update frequencyWeekly — betterEvery 11 days
AdsNoNo
In-app purchasesNoNo
MonetizationFreemium—
DevicesiPhone, iPad — betteriPhone
Requires iOS16.0 — better17.0
Further details — not scored
Size468 MB107 MB
Age rating4+17+
DeveloperbunqZentopayments AS

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

Zento

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

bunq

No in-app purchases

None

Zento

No in-app purchases

Questions

Is bunq free?
bunq is free to download, with no in-app purchases.
Is Zento free?
Zento is free to download, with no in-app purchases.
Do bunq or Zento have ads?
Neither bunq nor Zento shows ads.
Which is updated more often, bunq or Zento?
bunq ships an update weekly, and Zento every 11 days. Most recently, bunq was updated on October 26, 2026 and Zento on October 24, 2026.

Other comparisons