Software Comparison
Bunq Business vs Revolut Business - Irish business-banking Software Compared
Choosing between Bunq Business and Revolut Business is one of the most common decisions Irish businesses face when evaluating business-banking software. This comparison breaks down everything an Irish SME needs to know, from Revenue integration and GDPR data residency to pricing and ease of use.
Last verified: 25 May 2026 data verified to the older of the two vendor profiles Methodology
Quick Verdict
Bunq Business suits ESG-conscious Irish SMEs and cross-border operators who need Irish, Dutch, German, French, and Spanish IBANs under a single account, paired with up to 25 sub-accounts for VAT segregation, payroll holding, and project budgeting.
Bunq Business vs Revolut Business - Feature Comparison
| Feature | Bunq Business | Revolut Business |
|---|---|---|
| Irish IBAN | Irish (IE) IBAN issued to Ireland-resident business customers, alongside optional NL, DE, FR, and ES IBANs on the same account. | Irish (IE) IBAN issued via the Revolut Bank UAB Irish branch. |
| Irish Bank Feeds | No confirmed direct bank feeds into Xero, Sage, or BrightBooks. API and Zapier access on Pro and Elite plans only. | Native direct bank feeds to Xero, QuickBooks Online, and Sage. |
| SEPA Capabilities | SEPA Credit Transfer and SEPA Direct Debit. Free transfer allowances of 100/250/500 per month on Core/Pro/Elite, then EUR 0.13 per transfer. | SEPA Credit Transfer and SEPA Instant Credit Transfer included. No SEPA Direct Debit listed. |
| Sub-accounts | Up to 25 sub-accounts each with their own unique IBAN, suitable for VAT, payroll, and project segregation. | Multi-currency accounts for 25-plus currencies; no equivalent sub-account-per-IBAN architecture documented. |
| Irish Customer Support | No Irish-based customer support. App and web only. | Irish support available, primarily via in-app channels. |
| Deposit Protection | EUR 100,000 covered under the Dutch Deposit Guarantee Scheme (De Nederlandsche Bank). | EUR 100,000 covered under the Lithuanian Deposit Insurance scheme. |
| Sustainability Programme | Published programme: one tree planted per EUR 100 of card spend, with ESG reporting and socially-responsible investing exclusions. | No equivalent published sustainability or tree-planting programme. |
| Pricing | ||
| Starting Price | From €7.99/month | Free tier available |
| Free Trial | ✓ | ✓ |
| Irish Compliance | ||
| Revenue Integration | ✗ | ✗ |
| PAYE Modernisation | ✗ | ✗ |
| Irish Bank Feeds | ✗ | ✓ |
| GDPR Data Residency | EU | EU |
| SEPA Direct Debit | ✓ | ✓ |
| Irish IBAN Support | ✓ | ✓ |
| VAT Handling | ✗ | ✗ |
Irish Compliance Comparison
For Irish businesses, compliance with Revenue, GDPR, and local banking standards is non-negotiable. Here is how Bunq Business and Revolut Business compare on the requirements that matter most to Irish SMEs.
Revenue Integration
Neither Bunq Business nor Revolut Business offers native Revenue Online Service integration. Irish businesses in business-banking may not need this feature directly, but should ensure their accounting software handles Revenue compliance separately.
Irish Bank Feeds
Bunq Business supports SEPA Credit Transfer, SEPA Direct Debit. Revolut Business supports SEPA Credit Transfer, SEPA Instant. Both support the same Irish banks, so bank compatibility is not a deciding factor here.
GDPR Data Residency
Both Bunq Business and Revolut Business store data in EU data centres, providing strong GDPR compliance out of the box. Irish businesses can use either platform without worrying about cross-border data transfers to the US or other non-EU jurisdictions.
SEPA and IBAN Support
Both Bunq Business and Revolut Business support SEPA Direct Debit and Irish IBAN format. This means you can process euro payments, set up direct debits, and handle bank transfers in the standard European format without any manual workarounds.
VAT Handling
Neither Bunq Business nor Revolut Business handles Irish VAT directly. This is expected for business-banking tools - your accounting software should manage VAT compliance.
Pricing Comparison
All prices below are in euro. Pricing can change - we verify vendor pricing monthly, but always confirm on the vendor's website before purchasing.
Bunq Business
€7.99 /mo
- Pricing model: Flat rate
- Free trial: Yes
- EUR pricing guaranteed: Yes
Revolut Business
Free
- Pricing model: Flat rate
- Free trial: Yes
- EUR pricing guaranteed: Yes
Revolut Business does not publish entry-level pricing - request a quote directly. Total cost of ownership depends on users, plan tier, add-ons and features, so always calculate the full annual cost for your team size before committing.
Who Should Choose Bunq Business
Bunq Business is the better fit if your business matches one or more of these profiles:
- ✓ Those who value: irish (ie) iban available to ireland-resident business customers
- ✓ Those who value: up to 25 sub-accounts with their own ibans for vat, payroll, project segregation
- ✓ Those who value: published sustainability programme - one tree planted per eur 100 of card spend
Who Should Choose Revolut Business
Revolut Business is the better fit if your business matches one or more of these profiles:
- ✓ Companies that value Irish-based phone and email support
- ✓ Growing businesses with 21-50 employees that need a platform which scales
- ✓ Those who prioritise user satisfaction - Revolut Business has a higher editorial rating (4.3/5)
Our Verdict
Bunq Business suits ESG-conscious Irish SMEs and cross-border operators who need Irish, Dutch, German, French, and Spanish IBANs under a single account, paired with up to 25 sub-accounts for VAT segregation, payroll holding, and project budgeting. Revolut Business wins for the majority of Irish SMEs because it combines Irish IBAN issuance, SEPA Instant transfers, Irish-based customer support, and direct bank feeds into Xero, QuickBooks, and Sage - the bookkeeping workflow most Irish businesses already run. Neither product offers Revenue ROS integration, PAYE Modernisation support, or VAT handling, so both must be paired with dedicated Irish accounting software for tax compliance.
Bunq deposits sit under the Dutch Deposit Guarantee Scheme and Revolut deposits under the Lithuanian scheme - neither carries Irish Deposit Guarantee Scheme protection, which is a shared limitation for businesses where that matters. For day-to-day Irish business banking with clean accounting integrations, Revolut Business is the stronger default; Bunq Business is the better choice where multi-country IBAN architecture or a published sustainability programme is a genuine operating requirement.
Ultimately, the best choice depends on your specific business needs, team size, and priorities. We recommend taking advantage of free trials from both vendors before making your final decision. If you are working with an Irish accountant or payroll bureau, ask which platform they prefer - their familiarity with the software can save you significant time and hassle during setup and ongoing support.
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