Soldo vs bunq Business
On cashback bunq Business wins (up to 2%); for spending abroad FX markup matters, and bunq Business does better (0.5% vs 1.5%). In short: Soldo if your usage matches its strength, bunq Business otherwise — the numbers above beat any slogan.
| Soldo | bunq Business | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.6 | ★ 4.4 |
| Estimated net annual cost | — | €96 |
| Account fee | Free | €8 |
| IBAN | dedicato | dedicato · NL |
| Multi-currency | Yes · 5 currencies | Yes · 18 currencies |
| Outbound transfers to third-party IBANs | No | Yes |
| Utility direct billing | No | Yes |
| SEPA direct debit (SDD) | No | Yes |
| On-chain crypto withdrawal | No | No |
| Interest on balance | 0% | 0.75% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | UK, EEA · 30+ countries | EEA · 30+ countries |
| Regulator | FCA | DNB, AFM |
| OAM Italy registration | No | Yes |
| Segment | B2B | B2B |
| SEPA transfer | — | €0 |
| Regions | UK, EU/EEA | EU/EEA |
| Licences & safety | EMI | Full Banking License |
Frequently asked questions
Soldo vs bunq Business: which is better?
On cashback bunq Business wins (up to 2%); for spending abroad FX markup matters, and bunq Business does better (0.5% vs 1.5%). In short: Soldo if your usage matches its strength, bunq Business otherwise — the numbers above beat any slogan.
Which is cheaper, Soldo or bunq Business?
On the standard spending profile bunq Business has the lowest net annual cost: €96 versus — for Soldo.
Which offers more cashback, Soldo or bunq Business?
bunq Business has the highest cashback: up to 2%. Note the top rate often requires token staking and is subject to spending caps.
Is Soldo custodial or self-custody?
Soldo is custodial: funds are held by the platform, while bunq Business is custodial.
Which is better for spending abroad?
For foreign-currency spending bunq Business wins, with the lowest FX markup: 0.5%.