Netherlands
France
United Kingdom
Switzerland
activeFeaturedNeobank
- HQ
- Berlin
- Fee
- Free Standard
bunq
Dutch bank for people who want IBANs, sub-accounts, and a travel card.
Rate this app
7.7Solid
AlternativesOur take
Desk verdict
A serious EEA bank if you will pay for it. N26 is the free-ish euro alternative; bunq is the structured one.
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.
bunq lists Credit institution under DNB / ECB in Netherlands / EEA. On safeguarding we currently write: Dutch DGS up to €100,000. Holder / issuer line: bunq B.V.. An AML programme is claimed. Local bank details (IBAN / sort code / equivalent) are part of the pitch. We list 4 live markets on the product. As we score the sticker: monthly Paid plans (Easy Savings / Easy Bank / Easy Green / Easy Money); FX Plan-dependent; competitive on higher tiers; ATM Plan-dependent; interest Easy Savings interest (variable). This desk would open it for: EEA freelancers who will pay a monthly fee for IBANs and sub-accounts.
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. Desk score 7.7 / 10 (safety 8.4, fees 6.8, features 8.4, app 8.0). Last verified 2026-08-01. Headquartered in Amsterdam, Netherlands; founded 2012. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: EEA freelancers who will pay a monthly fee for IBANs and sub-accounts.
Pros
- +Real Dutch bank
- +Sub-accounts
- +Travel-capable paid plans
Cons
- −Not free
- −Personality-led brand
- −UK is not the home market
How it actually works
- Custody
- Issued / held via bunq B.V.
- Local rails
- IBAN / SEPA · Faster Payments
- Built for
- Personal · Freelancer · Travel
- Settlement
- Local rails instant where live; SWIFT slower
- Review risk
- Fintech reviews can pause inbound while they check a transfer
- Pay surface
- mastercard · physical · virtual · metal · Apple Pay · Google Pay
Safety
Dutch DGS up to €100,000
Holder / issuer: 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
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
FAQ
Is bunq a bank?+–
bunq is not a licensed deposit-taker in the classic sense. Money, if any, sits with bunq B.V..
How is money protected?+–
Dutch DGS up to €100,000
Where is bunq available?+–
We list 4 market desks on the desk. Residency and onboarding rules still sit with bunq.
Card and wallets?+–
mastercard · physical · virtual · metal · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
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