Bunq is a mobile bank

Bunq
Neobank
Business
Savings
Personal
Multi-currency
Credit Card
Debit card
Virtual Card
SWIFT
SEPA
IBAN
Travel
Investing/Trading
Referral program
Mobile Apps

Bunq is an Amsterdam-based, international mobile bank. They offer up to 25 sub-accounts for customers and 3 physical cards per account; plus 5 virtual debit Mastercards. In addition to providing banking services, Bunq aims to help fight climate change by offering one of their most valuable assets: reducing CO2 emissions through daily spending.

Services

  • Personal IBAN

  • Affiliate program

  • Cashback

  • SEPA

  • Loyalty program

  • Insurance

  • Multicurrency account

  • SWIFT

  • Card

  • Crypto

Details

Details
Founded:

2012

Has mobile app:

Yes

Has web version:

No

Has apple pay:

Yes

Has google pay:

Yes

Contacts:
Languages:

English, Deutsch, Español, Français, Italiano, Nederlands

Emi type:

Neobank

Available in these countries:

EEA

Jurisdiction:

NED

Licenses:

DNB

Main info

Main info
Has insurance:

Yes

Has trading:

No

Has budget planner:

Yes

Has bill split:

Yes

Has IBAN:

Yes

Has SEPA:

Yes

Has SWIFT:

Yes

Virtual card service fee:

0 EUR/year

Electronic payment methods and fees:

Fast Payments (EUR, USD, GBP): 0,70 EUR
Fast Payments (SEK, NOK, DKK, PLN, AUD): 1 EUR
Fast Payments (CZK, RON, HUF, CAD, IDR, INR, MXN, MYR, SGD, HKD, HRK)): 3 EUR
Fast Payments (PHP): 6 EUR

SWIFT (shared cost) : 10,00 EUR
SWIFT (all cost)
- Tier 1: 15 EUR
- Tier 2: 20 EUR
- Tier 3: 30 EUR
- Tier 4: 45 EUR

Incoming transactions:
Receiving SWIFT or US Fedwire payments: 10,00 EUR
Receiving non-SWIFT payments: 0,70 EUR

Service fee:

Enjoy a 30-day free trial of any plan.

Main service fee text:

Easy Bank Personal:2,99 EUR/month
Easy Money Personal: 8,99 EUR/month
Easy Green Personal: 17,99 EUR/month
Easy Savings: Free

Deposit fee:

Direct debits: free

Deposit holding fee ( The deposit holding fee also applies to funds held in other currencies than the Euro):
0,04 - 0,06 EUR

Withdrawal fee:

First four withdrawals per month are free, the five after are 0.99 EUR.
Thereafter, 2.99 EUR per withdrawal.

P2P fee:

0%

Main currency:

EUR

Number of currencies:

16

Conversion fee:

The Currency Cloud exchange rate + network fee (0,5%).

Other currencies:

GBP, AED, AUD, BGN, CAD, CHF, CZK, DKK, NOK, PLN, RON, SEK, TRY, USD, ZAR

Cashback:

From 4 to 50 % from Bunq partners.

Interest account:

Easy Savings: 0.27% interest.

Referral program:

Plant 10 trees for every friend you invite.

Card

Crypto

Money transfer

Business account

Merchant

Card
Has card:

Yes

Has virtual card:

Yes

Has multicurrency card:

Yes

More info:

Bunq Easy Green Personal/ Business: A combination of 3 cards is included for free. A Metal Card can be ordered upon pre-payment of 12 months of Bunq Easy Green Personal/ Business.
Instantly ordering additional Maestro Card: 9.99 EUR per card.
Instantly ordering additional Mastercard: 9.99 per card EUR + 3.49 EUR per month per card.

Bunq Easy Money Personal/ Business: A combination of 3 cards is included for free. A Metal Card can be ordered upon pre-payment of 24 months of Bunq Easy Money Personal/ Business.
Instantly ordering additional Maestro Card: 9.99 EUR per card.
Instantly ordering additional Mastercard: 9.99 per card EUR + 3.49 EUR per month per card.

Bunq Easy Bank Personal/ Business: 1 card is included for free.
Instantly ordering additional Maestro Card: 9.99 EUR per card.
Instantly ordering additional Mastercard: 9.99 per card EUR + 3.49 EUR per month per card.

Bunq Metal Card Personal/ Business: Free when you pre-pay for 12 months of bunq Easy Green/ Money Personal, Easy Green/ Money Business.


Card payment (in a foreign currency):
Bunq Easy Green/ Money Personal/ Business: The real Mastercard exchange rate + 0,5% (network fee).
Bunq Easy Bank Personal/ Business: 1,5% of the transaction amount + 0,5% (network fee).

Payment card type:

Debit/Credit

Card provider:

Maestro/ Mastercard

Virtual card pricing:

Easy Green/ Money Personal/ Business ( up to 25 cards): 19,99 EUR.

Virtual card service fee:

0 EUR/year

ATM withdrawal fee:

Bunq Easy Green/ Money Personal/ Business: First four withdrawals per month are free, the five after are 0.99 EUR.
Thereafter, 2.99 EUR per withdrawal.
Bunq Easy Bank Personal/ Business: First five withdrawals per month are 0.99 EUR each, thereafter 2.99 EUR each.

Crypto
Main info:

Bunq Bank does not offer any crypto products or services such as Cryptocurrency Wallets or a Crypto Exchange. Their platform does allow you to deposit fiat into a licensed and regulated cryptocurrency exchange in your jurisdiction, however.

Money transfer
Money transfer speed:

Instantly up to 1-2 days.

Business account
Business account has IBAN:

Yes

Business account has SEPA:

Yes

Business account has SWIFT:

Yes

Business account has business card:

Yes

Business p2p fee has conversion:

No

Business account deposit methods and fees has conversion:

Yes

Business account withdrawal methods and fees has conversion:

Yes

Business account service fee:

Easy Bank Business: 6,99 EUR/month
Easy Money Business: 12,99 EUR/month
Easy Green Business: 22,99 EUR/month
Easy Savings: Free

Business account deposit methods & fees:

Direct debits: 0.11 EUR per payment

Deposit holding fee ( The deposit holding fee also applies to funds held in other currencies than the Euro):
0,04 - 0,06 EUR

Business account withdrawal methods & fees:

First four withdrawals per month are free, the five after are €0.99.
Thereafter, €2.99 per withdrawal.

Business account deposit methods and fees percent:

0.1 - 2.5%

Business account withdrawal methods and fees percent:

5%

Merchant
Has SMS billing services:

Yes

Has email invoicing:

Yes

User Reviews

Yvonne

Great so far!

I become a bunq user 5 months ago because I am frustrated with the support experience with another bank. For now it's been great! The app is easy to use, with some fun features like planting trees.

Isaac Murray
Jake Howell

The best feature of this platform is that you can choose to use the desktop version

Eleanor Bentley
Chiman Pattni

its providing a very good exchange rate especially from euro to usd, also it works very well abroad and i can open the app and my account in just a few minutes. amazing! i recommend bunq to everyone

Stephen Greenaway

very good features this app provides, however there are some things that need to be improved and get better. things like the support system, they are handling the multi account the time that you want to create the business account. the bugs are also fixed after a long time. still i believe they are doing better job than others and their prices are acceptable…

Christy Davey

anyone will be able to get better service with less money in different apps. they are not professional, handling and managing the criticism very poorly. for me they are basics and need so much improvement

Reda

Several Features of Bunq Made me Fall in Love with This App. It is Fast, Easy to use, Flexible, Sepa Supported and Their Customer Service is Friendly and Professional. I Believe Bunq is The Best in The Market.

Andrew Fitzgerald
Akbar Sarfraz

I used bunq for the last few years. It is fast, comfortable and secure. BUT I believe the LATEST PRICES are NOT ACCEPTABLE and it needs some changes. In general everything is Okay for NOW!!!

Elisey Seva

mobile app is very simple and easy to use, also I received the debit card after 3 days. Every time that I get my salary, It is automatically distributed to my other necessary sub-accounts as I managed before. I am really happy to be using this app.

Francis

they are amazing, regularly they are updating and adding something to the app and making life easier for customers. with bunq, i can do all my banking needs from my phone. thank you!

asan noo

Hallelujah! Finally a bank where you periodically can install payments. Top adjustment.

Léon Cloutier

The new version is not working as desired. Many improvements have been communicated before, but nothing is done with it. It would be nice to get some feedback on suggested improvements, instead of asking for any new.

Stuart Lapsley

I've been using this app for a very long time. i should say that they are nice, really very good replacements for traditional bank and always offering new features that make me happy. However the latest updates are not very good compare to previous one. In my opinion they still count as a good bank but in place of being excellent they are going down and down. In the beginning I was in love with this platform and for me they were like Google but now I'm starting to think that they are becoming like Facebook (I HATE IT) of the banking sphere. I suppose they lost their way and need to find it. Still Im thinking positively about bunq and I see a bright future for this app.

Martin Öst

I should admit that my experience with Bunq was great. But it changed. They started to do online shopping with my account on different platforms, then closed my and my partner’s account, didn’t notify us and the customer service is slow and confused. The account closed and the app became useless, not working anymore and all information about support team is inside of the app, very genius who created this app!!! there was no explanation and after some hours they confirmed that our accounts closed. I don’t like this situation!!!!

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