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dLocal

dLocal

Emerging Markets

VS

bunq

European Digital Banking

bunq
Fees from
3-7% all-inclusive vs From €2.99/month
Features

1 shared

1 unique to dLocal · 1 unique to bunq
Regions

0 shared

4 unique to dLocal · 1 unique to bunq
Pay methods

2 shared

8 unique to dLocal · 7 unique to bunq
On licensing

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Show full specs
3 features · 17 payment methods · 5 regions. We don't rank these — they're here for reference.
dLocal dLocal
bunq bunq
Quick Facts
Fees
Standard transaction rate
3-7% all-inclusive
From €2.99/month
Settlement
Time to receive funds
2–7 business days
Same day
Founded
2016
2012
Headquarters
Montevideo, Uruguay
Amsterdam, Netherlands
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
✓
—
Instant Payout
✓
✓
Low Fees Unique
—
✓
Payment Methods
dLocal leads (10 vs 9)
Amex Unique
✓
—
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Bank Transfer Unique
✓
—
Boleto Unique
✓
—
Cash Unique
✓
—
Credit Card Unique
—
✓
Digital Wallet Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Mastercard
✓
✓
Oxxo Unique
✓
—
Pix Unique
✓
—
Pse Unique
✓
—
Sepa Unique
—
✓
Swift Unique
—
✓
Visa
✓
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
—
✓
Latin America Unique
✓
—
Middle East Unique
✓
—

dLocal is best when you...

Emerging Markets
Need Enterprise
Not available with bunq
Want coverage in Africa, Asia, Latin America, Middle East
bunq doesn't cover these regions
View dLocal

bunq is best when you...

European Digital Banking
Need Low Fees
Not available with dLocal
Want coverage in Europe
dLocal doesn't cover this region
View bunq

Frequently Asked Questions

What is the difference between dLocal and bunq?
They share 2 payment methods and 0 regions. dLocal adds Amex, Bank Transfer, Boleto and 5 more that bunq does not list; bunq adds Apple Pay, Bancontact, Credit Card and 4 more that dLocal does not list; dLocal also covers Africa, Asia and 2 more; bunq also covers Europe.
Which is cheaper, dLocal or bunq?
dLocal has published rates from 3-7% all-inclusive; bunq has published rates from From €2.99/month. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use dLocal and bunq?
dLocal lists 4 regions and 10 payment methods; bunq lists 1 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do dLocal and bunq compare on integration and settlement?
both offer a sandbox; both support webhooks; dLocal settles in 2–7 business days, bunq in Same day.

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