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bunq

bunq

European Digital Banking

VS

Banking Circle

Financial Institution Infrastructure

Banking Circle
Fees from
From €2.99/month vs Per-transaction
Features

2 shared

1 unique to Banking Circle
Regions

1 shared

4 unique to Banking Circle
Pay methods

2 shared

7 unique to bunq · 3 unique to Banking Circle
On payment methods

bunq supports 9 payment methods, 4 more than Banking Circle. Verify directly with each provider before signing.

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Show full specs
3 features · 12 payment methods · 5 regions. We don't rank these — they're here for reference.
bunq bunq
Banking Circle Banking Circle
Quick Facts
Fees
Standard transaction rate
From €2.99/month
Per-transaction
Settlement
Time to receive funds
Same day
Instant to 2 business days
Founded
2012
2013
Headquarters
Amsterdam, Netherlands
Luxembourg
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Banking Circle leads (3 vs 2)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Low Fees
✓
✓
Payment Methods
bunq leads (9 vs 5)
Apple Pay Unique
✓
—
Bancontact Unique
✓
—
Bank Transfer Unique
—
✓
Credit Card Unique
✓
—
Google Pay Unique
✓
—
Ideal Unique
✓
—
Mastercard Unique
✓
—
Sepa
✓
✓
Swift
✓
✓
Swish Unique
—
✓
Virtual Account Unique
—
✓
Visa Unique
✓
—
Regions
Banking Circle leads (5 vs 1)
Asia Unique
—
✓
Europe
✓
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

bunq is best when you...

European Digital Banking
View bunq

Banking Circle is best when you...

Financial Institution Infrastructure
Need Enterprise
Not available with bunq
Want coverage in Asia, North America, Oceania, Southeast Asia
bunq doesn't cover these regions
View Banking Circle

Frequently Asked Questions

What is the difference between bunq and Banking Circle?
They share 2 payment methods and 1 region. bunq adds Apple Pay, Bancontact, Credit Card and 4 more that Banking Circle does not list; Banking Circle adds Bank Transfer, Swish, Virtual Account that bunq does not list; Banking Circle also covers Asia, North America and 2 more; only Banking Circle offers Enterprise.
Which is cheaper, bunq or Banking Circle?
bunq has published rates from From €2.99/month; Banking Circle has published rates from Per-transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use bunq and Banking Circle?
bunq lists 1 region and 9 payment methods; Banking Circle lists 5 and 5. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do bunq and Banking Circle compare on integration and settlement?
both offer a sandbox; both support webhooks; bunq settles in Same day, Banking Circle in Instant to 2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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