Netherlands
France
United Kingdom
Switzerland
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- HQ
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- Fee
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bunq
Dutch bank for people who want IBANs, sub-accounts, and a travel card.
Legal entity: bunq B.V. — Dutch credit institution supervised by De Nederlandsche Bank N.V.
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7.7Solid
AlternativesFive questions
At a glance
Is it a bank?
No. bunq is not a bank. Your money sits with bunq B.V..
If it fails?
Dutch Deposit Guarantee Scheme up to EUR 100,000 per depositor per credit institution at bunq B.V. (bunq personal terms).
Salary?
A Dutch IBAN can receive SEPA salary. Plans are paid (Easy Bank and up) — read the live tariff.
Open from abroad?
EEA onboarding is residency- and plan-gated. Read bunq’s own eligibility before you treat an App Store listing as an offer.
Monthly fee
Paid plans (Easy Savings / Easy Bank / Easy Green / Easy Money)
Account number
Dutch IBAN. SEPA account (bunq personal terms).
NeoBankDB Verdict
Licence first · score second
7.7
/10 · Solid
A serious EEA bank if you will pay for it. N26 is the free-ish euro alternative; bunq is the structured one.
What it is
bunq is a Dutch licensed bank known for sub-accounts, a loud founder, and paid personal plans. Deposits are covered by the Dutch deposit guarantee on eligible balances.
Best for: EEA freelancers who will pay a monthly fee for IBANs and sub-accounts.
Last checked 2026-08-01. Not advice.
What it does well
- +Real Dutch bank
- +Sub-accounts
- +Travel-capable paid plans
What to watch
- −Not free
- −Personality-led brand
- −UK is not the home market
Legal entity, not the app icon
Who is behind it
- Legal name
- bunq B.V. — Dutch credit institution supervised by De Nederlandsche Bank N.V.
- Founders
- Ali Niknam
- Offices
- Amsterdam
- If something goes wrong
- Dutch complaint path; DNB supervises bunq B.V.
Who holds the money
The account
- Partner bank
- bunq B.V.
- IBAN country
- Dutch IBAN. SEPA account (bunq personal terms).
- Support
- In-app chat
- Hours
- In-app
- Remote open
- EEA onboarding is residency- and plan-gated. Read bunq’s own eligibility before you treat an App Store listing as an offer.
- Onboarding
- App KYC under Dutch AML.
- KYC documents
- Passport or national ID plus liveness.
- Minimum age
- 18.
- Languages
- EN, NL, DE, ES, FR, IT and more
- Salary / payroll
- A Dutch IBAN can receive SEPA salary. Plans are paid (Easy Bank and up) — read the live tariff.
- Local rails
- SEPA. bunq’s personal terms describe a SEPA bank account, not a UK sort-code account.
- ATM network
- Mastercard; pack-dependent ATM
- Overdraft
- Not the headline product — confirm live pack
How money actually moves
- Who holds the cash
- Issued / held via bunq B.V.
- How money moves
- IBAN / SEPA · Faster Payments
- Built for
- Personal · Freelancer · Travel
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- bunq lists a physical card and a virtual card and a metal card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Dutch Deposit Guarantee Scheme up to EUR 100,000 per depositor per credit institution at bunq B.V. (bunq personal terms).
Who holds the money: bunq B.V.
- DNB / ECBCredit institution · Netherlands / EEA
Fees
- Monthly
- Paid plans (Easy Savings / Easy Bank / Easy Green / Easy Money)
- FX markup
- Plan-dependent; competitive on higher tiers
- ATM
- Plan-dependent
- Interest
- Easy Savings interest (variable)
Features
- ✓IBAN
- –Fee-free core
- ✓Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- ✓Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Dutch IBAN
- Unlimited sub-accounts on paid plans
- Multi-currency
- Green plan with climate claims
- API
Editorial, not a live demo
Screenshots and video
Official YouTube · bunqMedia is editorial context, not a live demo of the app. Screenshots go stale — read the licence first.
Before you tap Sign up
How to open
Step 1
Read the paid-plan tariff
bunq personal is not a free UK current account. Plans sit on bunq B.V.
Step 2
Pass KYC
Dutch AML. 18+. You are opening a SEPA account at bunq B.V.
Step 3
Check DGS, not marketing
Deposits at bunq B.V. are covered by the Dutch DGS up to €100,000 per depositor per credit institution — bunq’s own terms.
Official help: together.bunq.com
Operator documents
Their own papers
These are the operator’s documents. They outrank this review if they disagree.
Score
- Safety25%
- 8.4
- Fees20%
- 6.8
- Features15%
- 8.4
- App15%
- 8.0
- Global15%
- 7.2
- Support10%
- 7.0
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
Straight answers
FAQ
01Is bunq a bank?
bunq is filed as Credit institution. The named regulator is DNB / ECB. Still read the entity on the statement before you send money.
02What happens to money in bunq if it fails?
bunq B.V. is a Dutch credit institution. Eligible deposits sit under the Dutch DGS up to €100,000.
03What does bunq charge each month?
The monthly fee on this file is Paid plans (Easy Savings / Easy Bank / Easy Green / Easy Money). Fees change — open the operator's pricing page if it is linked.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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