bunq

bunq

About this app

Discover mobile banking that makes life easy. Spend, save, budget and invest—all while effortlessly offsetting your CO2 footprint. Download and sign up in 5 minutes to start your 30-day free trial today.

Our Plans

EASY CARD - Free
Get an international credit card in just 5 minutes.

• A Free Credit Card you can instantly use with Apple Pay/Google Pay
• Save up to 90% on roaming costs with your eSIM, available in the bunq app
• AutoAccept payment requests
• Stocks: use the bunq app to invest on the go
• Daily chances at great prizes from the Wheel of Fortune
• Access to Finn, your personal assistant
• Personalized budgeting tips and insights from Finn
• Parent Access for any account set up for a minor
• Use the Travel tab to find places recommended by friends and by Finn
• Get practical travel tips with Travel Assistant
• Plant a tree for every €1,000 spent with your bunq card
• 24/7 Online Support, Biometrics ID and Deposit Protection

EASY SAVINGS - Free
Earn high interest on your savings and pay zero fees.

• All the benefits of Easy Card, plus:
• 2.16% base rate interest, plus 3.36% interest on funds exceeding your peak savings balance of the past 6 months.
• Interest paid weekly
• 2 withdrawals per month, included
• No minimum deposit
• Freedom of Choice to decide where your money’s invested
• Add external bank accounts for a full overview of your finances (for NL+DE+FR users)

EASY BANK - €3.99/month
Get a bank account in just 5 minutes.

• All the benefits of Easy Savings, plus:
• 1 Bank Account, 1 Joint Account and 1 Joint Savings Account
• 1 Physical Debit or Credit Card, in addition to 1 Free Virtual Credit Card
• A beautiful stainless steel Metal Credit Card, so you can pay in style wherever you go
• Withdraw and Deposit cash at participating stores
• Instant Payments
• Schedule Payments for bills and expenses
• Use Refund Request when you’re not satisfied with a product or service
• Shared Account Access
• An NL, DE, ES, FR or IE IBAN to match your location
• Added card security against overcharged tips and irregular payments, powered by AI
• Key insights to help track your CO2 footprint

EASY BANK PRO - €9.99/month (FREE if you’re a student in the Netherlands who receives DUO on their bunq account)

Get a borderless bank account with easy budgeting

• All the benefits of Easy Bank, plus:
• Automatically pay from the right account or currency with AutoSelect
• 25 Bank Accounts
• Effortlessly open Joint Accounts with friends, housemates, loved ones
• Monthly spending breakdowns and month-on-month comparisons
• Smart automations to help you save more
• Spend, save, pay and receive in 22 currencies
• Earn 3.71% interest on USD and GBP
• Get NL, DE, ES, FR & IE IBANs
• Invest automatically with Easy Investments
• Save up to 3% when paying abroad

EASY BANK PRO XL - €18.99/month
Get a borderless bank account with easy budgeting and travel insurance.

• All the benefits of Easy Bank Pro, plus:
• Worldwide Travel Insurance with zero hassle
• Earn 2% Cashback on public transportation, 1% Cashback at restaurants and bars
• Earn more Cashback with up to 2 friends
• Plant a tree for every €100 spent

All our plans are also available for business!

Your Security = Our Priority
Boost your bank security with two-factor authentication for online payments, Face & TouchID and 100% control of your cards in the app.

Your Deposits = Fully Protected
Your money is insured up to €100,000 by the DGS.

Invest in the bunq app through our partners. Investing involves risks, including potential loss. bunq does not provide trading advice. Manage your investments at your own risk.

bunq is authorized by the Dutch Central Bank (DNB). Our US office resides at 401 Park Ave S. New York, NY 10016, USA.

Ratings and reviews

Uptate: thanks for your response, its a valid answer but because of the banking insurance of €100,000 as long as i dont have more than €100,000 in my account I dont care what they do with my money. Its a free bank account which is great, but if you want a ATM/Debit card you need to pay a monthly fee, hence my 3 star rating, other competitors include a free debit card.

There are lots of bad apps out there but this one is something else. I have never used an app with this many bugs or such non-existent support. I've been trying for a month now to accept an invitation to a joint bank account with no success. I don't have space here to describe every issue and problem because it would run for pages, but please please save yourself the headache and use another bank.

ORIGINAL: The onboarding flow is a disaster. I have no idea whether I have created my account or not. /// EDIT: The account was eventually created, about a day later. That's fine I guess but I would have expected to know that it worked in real time. And It got created as an individual account when I wanted to create a joint account with my partner. So still, please update the app to make onboarding work better. Once in the app it works fine, but very cluttered. I prefer more straightforward.

What's new

A better experience for all! We’ve made several improvements to the app, including a smoother sign-up process for parents creating a child account, better support when you need it, and an easier way to connect and top up with external accounts.