bunq – mobile bank for daily spending and travel
European mobile bank with instant payments, smart sub-accounts, and clear controls. Create multiple IBANs, track budgets, and manage travel spending with ease.
Mobile-first euro account with multiple IBANs, sub-accounts, rules, and budgeting. Availability, pricing, and features depend on your country and chosen plan.
| Feature | Details |
|---|---|
| Plans | Easy Savings (free), Easy Bank, Easy Money, Easy Green |
| Supported currencies | EUR primary; card FX at network rates; international transfers via Wise integration |
| FX | Card FX at scheme rate; transfer FX via Wise, pricing varies by route |
| ATM | Withdrawals via Mastercard with fair use limits; extra fees may apply |
| Savings | Interest-bearing savings; rates vary by market and plan |
| Security | In-app controls, 3D Secure, Dutch Deposit Guarantee up to EUR 100,000 |
Accounts for freelancers and companies with multi-IBAN sub-accounts, team cards, approvals, and integrations.
| Plan | Best for | Core features |
|---|---|---|
| Easy Bank Business | Solo and small teams | SEPA Instant, sub-accounts, basic automations |
| Easy Money Business | Growing SMBs | Advanced budgeting, shared access, expense controls |
| Easy Green Business | Impact-focused firms | Extra perks and sustainability features |
Debit cards for daily use, plus virtual cards for safer online payments. Card types and limits depend on plan and region.
| Card type | Use case | Notes |
|---|---|---|
| Debit Mastercard | Everyday spending | Contactless, Apple/Google Pay, in-app controls |
| Virtual cards | Online shopping | Instant issue, easy freeze, separate PAN |
| Disposable cards | One-time payments | Number rotates after each transaction |
| Metal card | Premium | Higher allowances and selected perks |
SEPA Instant across the euro area; international routes supported via Wise integration with transparent pricing.
| Type | Speed | Fees | FX |
|---|---|---|---|
| bunq to bunq | Instant | Usually free | No FX if same currency |
| SEPA transfers | Instant or same-day | Often included or low fee | N/A |
| International | Same-day to 2-3 days | Via Wise; route-dependent | Wise FX pricing |
88
Security
EU banking license, Dutch deposit protection, in-app security tools.
70
Profitability
Interest on savings; value depends on plan and usage.
86
Convenience
Fast onboarding, instant notifications, rules and automations.
78
Fees & FX
Clear EU pricing; FX via card network or Wise for transfers.
Pros
- EU bank license and deposit protection
- Sub-accounts with IBANs, rules, and budgeting
- SEPA Instant and fast app experience
- Easy Green option for sustainability perks
Cons
- Main everyday plans are paid; value depends on usage
- ATM allowances limited; extra fees may apply
- International transfers rely on Wise, pricing varies
bunq’s Plans and Pricing
bunq Plans
Personal
Plan
bunq Free
€0.00 / month
The essentials to get you started.
- 3 bank accounts, 1 digital card.
- Instant payments, Apple Pay & Google Pay.
- Savings from 2.01% (EUR); USD/GBP savings up to 3.01%.
- ZeroFX at interbank rates up to €1,000/year.
Physical cards
—
Digital cards
1 included
Metal Card
Optional, €99
Scheduled payments
Yes
Plan
bunq Core
€3.99 / month
The bank account for everyday use.
- 5 bank accounts with 1 physical & 1 digital card.
- Budgeting tools, scheduled payments & requests.
- ZeroFX with no monthly cap when abroad.
- Savings from 2.01% (EUR); USD/GBP up to 3.01%.
Physical cards
1 included
Digital cards
1 included
Metal Card
Optional, €99
Apple/Google Pay
Yes
Plan
bunq Pro
€9.99 / month
The bank account that makes budgeting easy.
- Up to 25 bank accounts, 3 physical & 25 digital cards.
- Salary Sorter, spending insights & category limits.
- Unlimited ZeroFX, instant payments & refund protection.
- Optional Metal Card for premium feel.
Travel extras
Basic
Multi-currency
Yes
Metal Card
Optional, €99
Support
Priority
Plan
bunq Elite
€18.99 / month
The bank account designed for your international lifestyle.
- Up to 25 bank accounts, 3 physical & 25 digital cards.
- All Pro features plus premium travel perks.
- Unlimited ZeroFX & global multi-currency options.
- Optional Metal Card for a stainless-steel experience.
Travel extras
Premium
Multi-currency
Advanced
Metal Card
Optional, €99
Support
Priority+
Personal — feature comparison
| Feature | b. Free | b. Core | b. Pro | b. Elite |
|---|---|---|---|---|
| Bank accounts | 3 | 5 | Up to 25 | Up to 25 |
| Physical cards | — | 1 | 3 | 3 |
| Digital cards | 1 | 1 | 25 | 25 |
| Metal Card | €99 (optional) | €99 (optional) | €99 (optional) | €99 (optional) |
| Savings (EUR) | From 2.01% | From 2.01% | From 2.01% | From 2.01% |
| USD/GBP savings | Up to 3.01% | Up to 3.01% | Up to 3.01% | Up to 3.01% |
| Instant payments | Yes | Yes | Yes | Yes |
| Scheduled payments/requests | Yes | Yes | Yes | Yes |
| Payment requests (bunq.me) | Yes | Yes | Yes | Yes |
| Apple Pay / Google Pay | Yes | Yes | Yes | Yes |
| ZeroFX limit | €1,000/yr | No cap | No cap | No cap |
| Perks & travel | — | — | Basic | Premium |
Notes: Rates/availability can vary by country and may change.
FAQ about bunq
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bunq is a European bank founded in the Netherlands. It serves customers across supported EU markets. Product names and features can differ by country due to regulation and local partnerships.
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bunq operates as a licensed bank in the EU. In eligible countries, deposits are generally covered by local deposit guarantee schemes up to a legal limit, subject to terms. Check the details for your country in the app or legal pages.
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Download the bunq app, confirm your phone number, and verify your identity with a valid ID and a short liveness check. You may be asked for proof of address or information about your income. Most users complete sign up in minutes.
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Personal plans include Free, Core, Pro, and Elite. Business plans include Free for Sole Proprietors, Core, Pro, and Elite. Free is great for trying the basics. Core fits everyday banking. Pro adds strong budgeting tools and more accounts. Elite is designed for frequent travelers and power users who want the full toolkit.
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Create multiple sub accounts for goals like rent, travel, or taxes. Assign each card to a sub account, set spending limits, and let auto categories track where money goes. You can schedule moves, round up spare change, and share sub accounts with a partner or team.
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Yes in supported countries. You can add your bunq cards to Apple Pay or Google Pay from the app and pay with your phone or watch. Availability depends on your market and device.
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bunq uses competitive FX and plan based limits. If you go beyond your allowance or use certain routes on weekends, markups may apply. Some ATM operators charge their own fee. The app shows the rate and any costs before you confirm.
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You can create sub accounts in different currencies and exchange inside the app. Where available, bunq provides local account details such as IBAN or local routing for faster transfers. Supported currencies and details vary by country and plan.
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Yes. You can share sub accounts, set roles and limits, and keep spending separate by card. For business, invite colleagues to manage invoices and expenses with clear permissions and audit trails.
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Use the bunq app to freeze or unfreeze a card in seconds, change PIN, or limit online and contactless payments. For support, open chat in the app or search the help center. If your phone is lost, log in on another device and freeze all cards.
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