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
• AutoAccept payment requests
• Daily chances at great prizes from the Wheel of Fortune
• Access to Finn, your personal assistant
• Parent Access for any account set up for a minor
• Easily set Savings Goals
• Use Places to find recommendations from friends
• 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.

Our interest rates per country:
• 🇩🇪 Germany: 3.76%*
• 🇳🇱 🇮🇪 🇪🇸 The Netherlands, Ireland, and Spain: 2.46%
• 🇪🇺 Rest of Europe: 1.56%

• All the benefits of ✅Easy Card, plus:
• Interest paid weekly
• A Free Credit Card you can instantly use with Apple Pay/Google Pay
• 2 withdrawals per month, included
• No minimum deposit
• 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:
• Withdraw and Deposit cash at participating stores
• Enjoy instant incoming and outgoing payments
• Schedule Payments for bills and expenses
• List your preferred first name with True Name
• Use Refund Request when you’re not satisfied with a product or service
• Access to a Joint Account and a Joint Savings Account
• Accept and request Shared Access and Dual PIN
• One NL, DE, ES, FR or IE IBAN to match your location
• Added card security against overcharged tips and irregular payments, powered by AI
• Key category insights to help track your CO2 footprint

🌍EASY BANK PRO - €9.99/month
Get a borderless bank account with easy budgeting

• All the benefits of 🏦Easy Bank, plus:
• Track expenses with Invoice Scanning
• Automatically pay from the right account or currency with AutoSelect
• 25 Bank Accounts for easy budgeting
• Monthly spending breakdowns and month-on-month comparisons
• Smart Automations automate your saving and spending
• Spend, save, pay and receive in 22 currencies
• Earn interest of 3.71% on USD and GBP
• Get multiple NL, DE, ES, FR & IE IBANs
• Invest automatically with Easy Investments
• No fees when you spend overseas

🌳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:
• Get Worldwide travel insurance with zero hassle
• Earn 2% Cashback on public transportation, 1% Cashback at restaurants and bars
• Freedom of Choice for where your money’s invested
• Earn more trees and Cashback by inviting up to 2 friends to your Green Team.
• Plant a tree for every €100 spent on card

All our plans are also available for business! bunq Business users benefit from additional features like real-time bookkeeping and other great tools that make managing your company’s finances easy.

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 Dutch Deposit Guarantee Scheme (DGS), and rest assured that we’re rigorously tested to the same standards as traditional banks.

Investments in the bunq app are powered by Birdee. Investing involves risks, you may gain or lose money.

*Interest rate valid for the first 4 months after opening your account, you’ll earn 1.56% interest thereafter.

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

bunq has really gone downhill recently. The app has become absolutely atrocious, bunq can't even get something as basic as auto debits to work. If you manage to get past the chatbot, be prepared to spend ridiculous amounts of time chatting with unhelpful customer service agents that can't do anything to actually help you solve the problems bunq creates. Expect frequent introduction of useless, buggy new functionality while the bare basics you actually need for banking don't work properly.

The new wheel if fortune is just downright depressive, it takes a lot of time, it acts unrealistic, it can reach negative numbers and you can't just hide it and forget about its existence (it's certainly possible that I might leave bunq because of that). EDIT: it's buggy and it seems like there might bei users who use unfixed exploits, it's terrible for people with gambling addiction... I could go on and on.

Verification is a bit tedious, but overall a great experience. Support isn't the fastest but not the worst either (1-3 days for generic questions so far). Love the customizability of all the small things in the app!

What's new

What's fixed:

- After running the app in the background for a while, a number of users noticed they had to restart the app in order to access it again. We fixed that.

We fixed a few other small bugs as well, making sure your bunq experience is smooth as ever.

Download the new version of the app today!