Lloyds Mobile Banking vs bunq
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Lloyds Mobile Banking
Manage your finances with confidence, access banking services, and track spending in real-time. Apply for new accounts, block subscriptions, and get support anytime. Offers cashback and savings tools.
- Manage accounts and view transactions
- Pay bills and transfer money
- Apply for new bank accounts
- Block and cancel subscriptions
- Request and receive payments
- Spending insights and budgeting tools
- Earn cashback with Everyday Offers
- Freeze and unfreeze cards
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BE THE BOSS OF YOUR MONEY Manage your money with confidence, whenever and wherever you need. Join our 10 million App users – get the app and get started. Seeing your balance, paying a bill or checking your transactions are just the start. Here’s some of the great stuff we’ve got going on in the App. SPEND? SAVE? BORROW? INSURE? INVEST? APPLY IN THE APP TODAY - Not yet banking with us? Don’t worry – download the App, it’s the quickest and easiest way to apply for a bank account with us. - You can share documents with us in real-time using your built-in camera to complete your application quickly. TAKE CONTROL OF YOUR EVERYDAY SPENDING - Ever fallen into the subscription trap after that free trial? See, block and cancel subscriptions anytime. - Need to settle up or transfer money fast? With Faster Payments you can sort it in quick time. - Splitting the bill? Friend forgot their card? Request and receive money you’re owed from family and friends using ‘Request a Payment’. - Get support all day and night, every day. STAY IN THE KNOW WITH REAL TIME INSIGHTS - Know what’s going on with your money in real-time, with upcoming payments and instant notifications when money’s coming in and going out. - Wondering where your money goes? See where you’re spending and where you might be able to save, with Spending Insights. MAKE YOUR MONEY WORK HARDER FOR YOU - Enjoy a cheeky bargain or three with Everyday Offers. Earn cashback of up to 15% from a range of retailers with our current accounts and credit cards. - Turn your pennies to pounds – using ‘Save the Change’. We’ll round up your debit card spend to the nearest pound and move it into a chosen savings account with us. - Keep track of your credit score for free, with helpful tips and tools to improve it. KEEPING YOU AND YOUR MONEY SAFE - Use your fingerprint or face to login - it’s the fastest and most secure way to bank. - Whether your card is lost, stolen or turned into a chew toy, you can relax knowing you can freeze it, unfreeze it or order a new one in seconds. - With the latest security tech we keep your money safe and stop those pesky hackers in their tracks. - Your eligible deposits with Lloyds are protected up to £85,000 by the Financial Services Compensation Scheme. Find out more at lloydsbank.com/FSCS LEAVE US A REVIEW ABOUT OUR APP We’re always ready to listen and make things better for you. Lloyds and Lloyds Bank are trading names of Lloyds Bank Plc (registered in England and Wales (no. 2065), registered office: 25 Gresham Street, London EC2V 7HN). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. The app is available to customers with a UK personal bank account and valid registered phone number. LEGAL INFORMATION This app is designed and intended for Lloyds UK customers to access and service UK personal products, and for customers of Lloyds Bank Corporate Markets plc, using the business names Lloyds Bank International and Lloyds Bank International Private Banking, to access and service personal products held in Jersey, Guernsey and the Isle of Man. It should only be downloaded for this purpose. While the app can be downloaded from App Stores outside the UK, this does not mean we are inviting, offering or recommending you engage in any transactions or establish a customer relationship with Lloyds or Lloyds Bank Corporate Markets plc. Any confirmation that our product or service complies with European Union law is made to Apple to meet this legal requirement. This does not imply any representation, warranty, or statement to you and should not be relied upon for entering into any contract.
bunq
A mobile banking app offering accounts, savings, and investments. It provides various plans for personal and business use, with features like budgeting tools, contactless payments, and travel benefits. Open an account in minutes and manage your finances with ease.
- Open account in 5 minutes
- Savings and investment options
- Contactless payment acceptance
- Budgeting and income organization
- Worldwide travel insurance
- eSIM for roaming savings
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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.
Screenshots
Verdict
The clearest difference is rating: Lloyds Mobile Banking at 4.9 against bunq's 4.5. Lloyds Mobile Banking also leads on monetization model (free vs freemium) and review sentiment (61% vs 43%). bunq's advantage is update cadence (weekly vs 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Lloyds Mobile Banking holds the better App Store score, 4.9 against 4.5. That said, the two scores are not equally well evidenced: Lloyds Mobile Banking has 21K ratings behind it against 1.5K, so its average is the more settled of the two. Written reviews point the same way: 61% of Lloyds Mobile Banking's written reviews are positive against 43% of bunq's.
Lloyds Mobile Banking ships an update fortnightly, bunq weekly. Both last shipped on November 9, 2026.
| Parameter | Lloyds Mobile Banking | bunq |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (21K ratings) — better | 4.5 (1.5K ratings) |
| Positive reviews | 61.4% of reviews — better | 42.6% of reviews |
| Number of ratings | 21K — better | 1.5K |
| Update frequency | Fortnightly | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 575 MB | 468 MB |
| Age rating | 4+ | 4+ |
| Developer | Lloyds Banking Group | bunq |
Customer experience
Lloyds Mobile Banking
bunq
User reviews
Lloyds Mobile Banking
From 21K App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Fast and efficient
- 🔒 Secure banking
- 💡 Convenient mobile banking
- 👍 Intuitive interface
Room to improve
- 🐛 Crashes and stability issues
- 🔍 Cluttered and confusing interface
- 🔍 Outdated design
- 🔍 Limited functionality compared to competitors
- 🔍 Difficult to navigate
bunq
From 1.5K App Store ratingsWhat we love
- 🚀 Instant payments
- 💡 Innovative features
- 👍 Easy to use
- 🌍 Great for expats
- 🔒 Secure banking
Room to improve
- 🐛 Buggy app
- 🕰️ Slow customer support
- 💰 Expensive fees
- 🤖 Unhelpful AI chatbot
- 🔒 Account freezing issues
Bugs and requests
Lloyds Mobile Banking
Reported bugs
4 issues- Authentication issues
- Inconsistent performance across devices
- Inability to update contact information
- Delayed transaction notifications
Requested features
6 requests- Dark mode option
- Ability to customize app layout
- Integration with password managers
- Enhanced transaction history and analytics
- Support for international accounts
Show 1 moreShow fewer
- Improved accessibility features
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
In-app purchases
Lloyds Mobile Banking
No in-app purchases
bunq
No in-app purchases
Questions
Is Lloyds Mobile Banking free?
Is bunq free?
Which has better reviews, Lloyds Mobile Banking or bunq?
Do Lloyds Mobile Banking or bunq have ads?
Which is updated more often, Lloyds Mobile Banking or bunq?
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