Studentische Finanzkompetenz: Budgetieren, Sparen & Ausgeben wie ein Profi

Starting university? Moving to a new city? Juggling rent, books, and social plans? There’s a lot going on, but your money doesn’t have to be one more thing to worry about.

With bunq, you stay in control. Track your spending, save automatically, and build habits that make life easier. It’s everything you need to manage your money with confidence—now, and long after graduation.

Why Financial Awareness Matters

Being in control of your money helps you stay focused, avoid stress and build confidence. It’s not about restrictions. It’s about options.

Here’s what it gives you:

• Stay focused on your studies without budget distractions

• Avoid last-minute financial stress

• Build independence with healthy financial habits

• Set yourself up for success, now and in the future

No complex plans. Just clarity and confidence.

Budgeting That Actually Works

You don’t need a spreadsheet. You just need to be clear about what you have, what you need and what matters to you.

• List your monthly income and essentials like rent, tuition and groceries

• Set aside space for what you enjoy, from takeout to weekend trips

• Use Spending Insights in the bunq app to see your spending patterns

• Set Spending Limits so you stay on track, even when plans change

• Create Bank Accounts per goal to keep everything organised

Everything stays clear and easy to manage.

Saving Without Overthinking It

You don’t need to plan every cent to build savings. With bunq, saving runs in the background while you get on with life.

• Define a goal that motivates you, like a trip, a new laptop or peace of mind

• Enable Auto Round Up to round up your purchases and stash the difference

• Open a Savings Account and earn up to 2.51% interest, no extra effort needed

Start small. Stay consistent. Let it grow.

Spend Smarter, Stay Flexible

Managing your spending isn’t about cutting back. It’s about making it easier to enjoy what matters.

• Split group payments in seconds, no awkward reminders

• Use Virtual Cards for safe online shopping and subscriptions

• Get real-time updates on every payment so you’re always in the loop

Full visibility. No surprises.

Managing your money shouldn’t slow you down. With bunq, it’s fast, flexible and built around the way you live. Download the app and take control of your finances today!