By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. View our Privacy Policy for more information.
woman looking at phone
Arrow left
Back to blog

November 17, 2021

Products and Services

5 smart ways to use your 25 sub-accounts

With bunq, you get 25 sub-accounts included with your Easy Money or Easy Green plan - but what are you supposed to do with these?

While our bunqers use them in various ways that fit their needs, here are a couple of ideas on how to make use of sub-accounts!

1. Budgeting made 25 times easier✅


You don’t need multiple Excel sheets and a Masters in Economics to budget. In fact, all you need is your beloved banking app. Yes, yes - we mean bunq.


An easy way to make sure that your money is being spent the way you want is to organize it in sub-accounts as soon as it hits your bank account. You can do this with the Payment Sorter. You set the amounts (or percentages) you want in each sub-account when your salary comes in, and the app will sort your future incomes automagically. We recommend using the Payment Sorter because it’s harder - mentally - to spend money that was sorted with a purpose, meaning you’re less likely to spend it on something else.

2. Effortless savings💸


Sub-accounts act like individual bank accounts, with their own IBANs and all - but you can also use them as a savings account. It’s super simple. You create a Savings Goal, personalize it (if you can picture it, you can achieve it, remember!), and start putting money aside with zero effort. A handy feature that helps with this is Auto-Save, which rounds up each payment and invests it towards your savings goal...automatically! Paid €3.20 for a sandwich? Congrats, you just saved 80 cents! 


Oh, and as with most things, saving money is easier together. You can also create a shared Savings Goal as one of your sub-accounts and save for a common dream with your friend or partner!


3. Different sub-accounts, different PINs💳


If your money’s separated between different sub-accounts, why should they share the same PIN code? Well, they don’t have to. Each bunq card you have can be linked to 2 different sub-accounts, through 2 different PIN codes. That means your card will know from which sub-account to take the money when you pay for groceries, versus beers with friends. 


Set up your Dual PIN in the bunq app to make sure you always spend the money allocated to that activity.

4. Bank like a local with Local IBANs🇪🇺


Living in the Netherlands, but freelancing often for clients in Spain? Expatting in Berlin, but calling France home? Digital banking should have no borders. After all, we’re a European bank. With bunq, you can bank like a local no matter where you are. Simply open a new sub-account (or more) with a Local IBAN that makes your life easy. 


Choose between NL, DE, FR or ES and easily pay, receive or hold money. Stay tuned! We’re constantly adding more countries to this beautiful list.


5. Multiple currencies in one banking app💪


Gone are the days when you needed a EUR bank account, a USD one, and so on. With the launch of Local Currencies, you can simply create a new sub-account to receive, convert, hold and spend in multiple foreign currencies without having to leave your banking app. Living a global lifestyle has never been easier! 


With 25 sub-accounts, you have plenty of freedom to open one for each currency that you need. We currently offer US Dollars ($), British pound sterlings (£), Swiss francs (CHF), Polish Zloty (zł) and Bulgarian lev (Лв), but worry not - it’s a work in progress. You can always tell us what other currencies you’d like to see in the app through this link.



There you go! 5 smart ways to use your 25 sub-accounts in the bunq app🌈


Got more ideas? We’d love to hear from you! Let us know how you use your sub-accounts on our socials or here.

Not a bunqer yet?

Join the fun

Try bunq today

Relevant posts

couple at home sharing pizza
Top 5 reasons for having a joint bank account

Living together? Sharing expenses often? Never sure if Netflix’s already paid for, or if groceries for tonight are already bought?

Read the post
globe with number 18 and bank card
3 features from bunq Update 18 that make life easy

Last week we welcomed bunq Update 18, which brought some new exciting features. Let’s have a look at these 3 additions that make life easy!

Read the post
Colorful hot air balloons
5 ways bunq keeps growing despite COVID-19

We’re excited to see our recent surge in new deposits: you’re really helping us grow every single day!

Read the post
Get Started