Comparison

bunq vs XlentPay

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 3.01% 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/month • Secondary PIN for multiple accounts on one card • 20% Discount on stock trading fees • Student offer: pay €0/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/month • 8GB worldwide data • 50% discount on stock trading fees Business features: • Add up to 10 employees • 500 fee-free transactions/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 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 DNB. Our US office resides at 401 Park Ave S. New York, NY 10016, USA.

About

XlentPay

Features
Read full description

XlentPay is a powerful, secure, and user-friendly digital payment platform designed to simplify your financial transactions. Whether you need to send money, receive payments, or manage your finances, XlentPay offers a seamless experience tailored to your needs. Key Features: ● Instant Transfers – Send and receive money in real-time with ease. ● Multi-Currency Support – Conduct transactions in various global currencies. ● Secure & Encrypted – Advanced security protocols to keep your funds and data safe. ● Transaction History – Keep track of all your payments and receipts in one place. ● Intuitive UI – A sleek and user-friendly interface for smooth navigation. Experience a new era of financial freedom with XlentPay. Download now and take control of your digital transactions!

Screenshots

bunq4 screens
XlentPay4 screens

Verdict

The call

The clearest difference is update cadence: bunq at weekly against XlentPay's fortnightly. 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

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, XlentPay fortnightly. The most recent releases landed on September 24, 2026 and September 11, 2026 respectively.

Scorecard1 real difference · 9 level
bunq versus XlentPay: the parameters behind the verdict, then further details
ParameterbunqXlentPay
PriceFreeFree
Rating4.4 (1.4K ratings) — better—
Positive reviews42.1% of reviews—
Number of ratings1.4K — better—
Update frequencyWeekly — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFreemium—
DevicesiPhone, iPad — betteriPhone
Requires iOS16.0 — better16.4
Further details — not scored
Size472 MB67 MB
Age rating4+4+
DeveloperbunqXlentpay Corporation

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

XlentPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

bunq

No in-app purchases

None

XlentPay

No in-app purchases

Questions

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

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