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bunq vs GCash
bunq and GCash are both payment receiving platforms. On a $1,000 payment you keep about $1,000 on bunq and $980 on GCash, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $1,000 on bunq and $980 on GCash, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only bunq offers debit card and ATM. Only GCash offers Cash agents.
- GCash is the older platform — founded in 2004, 8 years before bunq (2012).
- bunq is based in Netherlands, GCash in Philippines.
Which should you choose?
Choose bunq if…
- Keeping more of each payment matters most — its fee is lower.
- You want to withdraw via debit card and ATM.
Choose GCash if…
- You want to withdraw via Cash agents.
- You prefer a long track record (since 2004).
Side by side
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bunq
Mobile business account popular with Dutch freelancers for receiving payments.
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GCash
The Philippines dominant mobile wallet - receive payments by number or QR, with bank cash-out and heavy freela…
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|---|---|---|
| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | Yes | Yes |
| Fees | Free plan, paid plans ~EUR 3-19/mo | Free in-app transfers, ~2% agent cash-out |
| Withdraw via | SEPA bank transfer, debit card, ATM | Bank transfer, Cash agents |
| Availability | EU/EEA + UK | Philippines |
| Local to | Netherlands | Philippines |
| Founded | 2012 | 2004 |
| Headquarters | Amsterdam, Netherlands | Taguig, Philippines |
| Popularity | 47 views · 0 likes | 43 views · 0 likes |
Frequently asked questions
Which is cheaper, bunq or GCash?
On a $1,000 payment you keep about $1,000 on bunq and $980 on GCash, before withdrawal or currency-conversion costs.
Where are bunq and GCash available?
bunq: EU/EEA + UK. GCash: Philippines.