# PTSB vs bunq

The clearest difference is rating: bunq at 4.5 against PTSB's 3.3. bunq also leads on review sentiment (42% vs 9%) and ratings volume (1.5K vs 53). PTSB's advantage is monetization model (free vs freemium). On price, ads, in-app purchases and device support there is nothing between them.

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

bunq holds the better App Store score, 4.5 against 3.3. That said, the two scores are not equally well evidenced: bunq has 1.5K ratings behind it against 53, so its average is the more settled of the two. Written reviews point the same way: 9% of PTSB's written reviews are positive against 42% of bunq's.

PTSB ships an update every 3 weeks, bunq weekly. Both last shipped on November 1, 2026.

## The numbers

| Metric | PTSB | bunq |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (53 ratings)](https://appshunter.io/ios/app/ptsb-mobile-banking/id588969201/reviews) | **[4.5 (1.5K ratings)](https://appshunter.io/ios/app/bunq/id1021178150/reviews)** |
| Number of ratings | 53 | **1.5K** |
| Positive reviews | 9.5% of reviews | **42.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Weekly** |
| Monetization | **Free** | Freemium |
| Size | 171 MB | 468 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [permanent tsb](https://appshunter.io/developer/588969204) | [bunq](https://appshunter.io/developer/1021178149) |

## What reviewers say

### PTSB

[App page](https://appshunter.io/ios/app/ptsb-mobile-banking/id588969201)

Manage your finances conveniently and securely on the go. This app allows you to check balances, transfer funds, pay bills, and manage your cards. It provides quick access to account information and offers features for loan applications and opening new accounts.

**Highlights:** Quick Balance check, Secure login with PAN, TouchID/FaceID, Account balance and transaction history, Apply for loans and credit cards, Open savings and deposit accounts, Card management (freeze, report lost/stolen, replace), Fund transfers and bill payments, Add card to Apple Wallet

**Features:** Safari Extension, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Accessible support
- 👍 View Visa Debit card PIN
- 👍 Secure transfers
- 👍 Set up trusted payee

**What reviewers complain about**

- 🐛 App crashes
- 🐛 Frequent login issues
- 🐛 Unreliable uptime
- 🐛 App refuses to move past login
- 🐛 App not working

**Reported bugs**

- Cannot get into account
- Verify phone number, then nothing
- App refused to move past login screen
- Every time I log in there are issues
- App not working

**Requested features**

- Touch ID / Face ID / Biometric login
- Improve transaction navigation
- Allow viewing older transactions
- Fix transaction filter
- Add Face ID


### bunq

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

A mobile banking app offering a range of accounts, savings, and investment options. It allows users to manage their finances, budget effectively, and access features like contactless payments and international services. Open an account in minutes and explore different plans to suit your needs.

**Highlights:** Multiple bank accounts, Savings with interest, Stock and crypto investing, Contactless payments, Budgeting insights, Worldwide travel insurance, eSIM for roaming data

**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 PTSB free?

PTSB 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, PTSB or bunq?

bunq is rated higher. PTSB averages 3.3 out of 5 from 53 ratings, while bunq averages 4.5 from 1.5K ratings.

### Do PTSB or bunq have ads?

Neither PTSB nor bunq shows ads.

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

PTSB ships an update every 3 weeks, and bunq weekly. Most recently, PTSB was updated on November 1, 2026 and bunq on November 1, 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.*