# PayPal vs bunq

The clearest difference is ads: bunq at none against PayPal's shown. bunq also leads on review sentiment (42% vs 21%). PayPal's advantage is ratings volume (6.3M vs 1.4K) and rating (4.8 vs 4.4). On price, update cadence, in-app purchases and monetization model there is nothing between them.

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

PayPal holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 1.4K, so its average is the more settled of the two. Written reviews complicate that: 21% of PayPal's written reviews are positive against 42% of bunq's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 29, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | PayPal | bunq |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (6.3M ratings)](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709/reviews)** | [4.4 (1.4K ratings)](https://appshunter.io/ios/app/bunq/id1021178150/reviews) |
| Number of ratings | **6.3M** | 1.4K |
| Positive reviews | 20.7% of reviews | **42.4% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Weekly | Weekly |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#5** | — |
| Size | 799 MB | 468 MB |
| Requires iOS | 17.4 | **16.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [PayPal, Inc.](https://appshunter.io/developer/283646712) | [bunq](https://appshunter.io/developer/1021178149) |

## What reviewers say

### PayPal

[App page](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709)

**Currently charting:** #5 Top Free · Finance, #50 Top Free (US App Store)

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

**Highlights:** Send and receive money globally, Earn cash back offers, Request a debit card, Buy, sell, and hold cryptocurrency, High-yield savings accounts, Track packages

**Features:** Safari Extension, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Extremely effective and reliable crypto recovery service
- 🔒 Secure payment processing
- 💰 Convenient way to send and receive money
- 👍 Easy to use app with simple interface

**What reviewers complain about**

- 🐛 Inconsistent customer support responses
- 🕰️ Slow money transfer times
- 💳 Holds on funds for new accounts
- 🤖 Overly automated with lack of human interaction

**Reported bugs**

- Account limitations and freezes with unclear reasons
- Issues linking bank accounts and cards
- Problems with refunds and chargebacks

**Requested features**

- Faster money transfers
- More transparent policies and fees
- Improved dispute resolution process
- Better customer service accessibility


### bunq

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

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:** 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


## Frequently asked questions

### Is PayPal free?

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

### Is bunq free?

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

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

PayPal is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while bunq averages 4.4 from 1.4K ratings.

### Do PayPal or bunq have ads?

PayPal shows ads; bunq does not.

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

PayPal ships an update weekly, and bunq weekly. Most recently, PayPal was updated on October 29, 2026 and bunq on October 26, 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.*