bunq vs Zento
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Multiple bank accounts
- Card management
- Savings accounts and term deposits
- Stock and ETF investing
- Cryptocurrency trading
- Contactless payment acceptance
- 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.
Zento
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
bunq ships an update weekly, Zento every 11 days. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.
| Parameter | bunq | Zento |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (1.4K ratings) — better | — |
| Positive reviews | 42.4% of reviews | — |
| Number of ratings | 1.4K — better | — |
| Update frequency | Weekly — better | Every 11 days |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Freemium | — |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 468 MB | 107 MB |
| Age rating | 4+ | 17+ |
| Developer | bunq | Zentopayments 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
bunq
No in-app purchases
Zento
No in-app purchases









