bunq

bunq is a digital bank offering personal and business accounts designed for a flexible, borderless banking experience. It provides multi-currency accounts, physical and virtual cards, instant payments, and tools for budgeting and expense management, catering to individuals and businesses with international financial needs.

bunq offers a digital banking experience with features highly relevant to international money management. It explicitly states 'No Foreign Exchange Fees' and 'Multiple Currencies and Local IBANs', directly aligning with transparent low fees and multi-currency accounts. The platform also offers physical and virtual cards for spending abroad, instant payments, and a mobile app for real-time access. While it doesn't explicitly mention 'mid-market exchange rate transfers' in the same way Wise does, it emphasizes 'ZeroFX' for the 'best exchange rate abroad' and 'no foreign exchange fees', which implies a competitive rate without markups. It also offers business accounts with features like employee cards and multi-user access, API integration, and robust security features, all of which align with the 'other' features.