Pricing Sheet
Get transparent, straightforward pricing on all bunq services, so you know exactly what to expect.
Terms & Conditions
Legal terms for bunq accounts, cards, payments, and services.
Terms & Conditions
Legal terms for bunq accounts, cards, payments, and services.
Terms & Conditions
Legal terms for bunq accounts, cards, payments, and services.
Personal Account Terms & Conditions
Read the terms designed to keep your bunq Personal Account safe, easy, and hassle-free.
Terms & ConditionsBusiness Account Terms & Conditions
Read the terms that keep your bunq Business Account efficient, clear, and ready to support your goals.
Terms & ConditionsPrivacy Policy
See how bunq protects your privacy, ensuring your data is handled safely and transparently.
Policies & StatementsCookie Statement
Find out how bunq uses cookies to improve your experience while respecting your privacy.
Policies & StatementsSecure Banking Policy
How bunq protects your money and data with financial security practices so you can bank online with confidence.
Policies & StatementsDepositor Information Sheet
Depositor information for bunq customers: deposit protection, limits, and what to expect if the bank faces stress.
Information SheetsFraud Refunds Policy
When you may get a fraud refund from bunq: unauthorized payments, timelines, and how we investigate your case.
Policies & StatementsRecognizing Fraud Information Sheet
Spot common payment and banking scams: red flags and habits that help protect your money with bunq.
Information SheetsSuspecting Fraud Information Sheet
If you think you're a victim of fraud: immediate steps to secure your Bank Account and how to report it.
Information SheetsFormal Complaints Policy
How to make a formal complaint to bunq: channels, timelines, escalation, and the customer service process we follow.
Policies & StatementsAccessibility Statement
Learn how bunq designs banking that’s inclusive by default—accessible, intuitive, and built for all users.
Policies & StatementsMobile Wallet Terms and Conditions
Terms for bunq's mobile Wallet and in-app payment features: how they work and what applies.
Terms & Conditionsbunq.me Terms and Conditions
Terms for bunq.me links: sending money, getting paid, and the rules that keep payments fair.
Terms & Conditionsbunq eSIM Terms and Conditions
Terms for bunq travel eSIM: buying data for abroad, coverage, activation, and what you agree to when you use it.
Terms & ConditionsSwitch Service Terms and Conditions
Switch Service terms: how we help move Direct Debits from your old bank to bunq and what you need to do.
Terms & ConditionsMastercard Chargeback Terms and Conditions
When you can request a Mastercard chargeback with bunq and how we review disputes on card payments.
Terms & ConditionsTerm Deposits Terms and Conditions
Terms for bunq Term Deposits: interest rates, how your savings are protected, and when funds unlock.
Terms & ConditionsCrypto Terms and Conditions
How buying, selling, and holding crypto through bunq works, including risk, fees, and your responsibilities.
Terms & ConditionsBizum Terms and Conditions
Terms for Bizum Instant Payments with bunq: sending, receiving, limits, and what you're agreeing to.
Terms & ConditionsiDIN Terms and Conditions
How iDIN verification works with bunq: your bank identity, what we receive, and your rights.
Terms & ConditionsAPI Terms and Conditions
Terms for the bunq banking API: build and connect apps with clear rules, security expectations, and fair use.
Terms & ConditionsWebsite Terms & Conditions
Terms for using bunq.com and related sites: acceptable use, liability, and your rights online.
Terms & ConditionsEligible Merchants for Tap to Pay Information Sheet
Who can offer Tap to Pay with bunq: merchant eligibility and how in-person card payments on a phone work.
Information SheetsMetal Card Purchase Protection and Extended Warranty Policy
Extra purchase protection and extended warranty for bunq Metal cardholders: coverage and how to claim.
Policies & StatementsPurchase Protection & Extended Warranty Terms and Conditions
Purchase protection and extended warranty on card purchases: coverage, claims, and limits that apply.
Terms & ConditionsTravel Insurance Information Sheet
Key facts about Travel Insurance with bunq: what's covered and how you're protected while you're away.
Information SheetsTravel Insurance Terms and Conditions
Travel Insurance with your bunq plan: coverage, who's insured, and how to claim when something goes wrong.
Terms & ConditionsBooking.com Cashback Terms and Conditions
Booking.com cashback with bunq: eligibility, how much you can earn, and when we pay cashback to your account.
Terms & Conditionsbunq & HYROX Instagram Giveaway Terms & Conditions
This document represents the specific Terms and Conditions that apply to the bunq & HYROX Instagram Giveaway.
Terms & Conditionsbunq & HYROX Raffle Promotion Terms and Conditions
Official rules for the bunq & HYROX raffle: who can enter, the draw, and how we contact winners.
Terms & Conditionsbunq Cashback General Terms and Conditions
General cashback rules for bunq partner offers: eligibility, payouts, and how we run promotions fairly.
Terms & Conditionsbunq Cashback Partner Specific Terms and Conditions
Partner-specific cashback terms: per-brand rules for earning, limits, and how payouts reach your account.
Terms & Conditionsbunq Deals General Terms and Conditions
How bunq Deals work: eligibility, how offers reach you, and what to expect when you redeem perks and benefits.
Terms & Conditionsbunq Deals Partnerships Terms and Conditions
How bunq runs Deals with brands: partner rules, offer types, and what it means for the perks you see.
Terms & Conditionsbunq Points Terms and Conditions
bunq Points terms: how you earn and redeem rewards, expiry rules, and fair use so perks stay clear for everyone.
Terms & Conditionsbunq Switch & Win Promotion Terms and Conditions
Official rules for the Switch & Win promotion: who can join, how to enter, and how winners are picked.
Terms & Conditionsbunq x Albert Heijn Cashback Terms and Conditions
Cashback at Albert Heijn with bunq: how you earn it, when it pays out, and the rules that apply.
Terms & Conditionsbunq x Auchan Cashback Terms & Conditions
This document presents the specific Terms and Conditions that apply to the bunq x Auchan Cashback offer.
Terms & Conditionsbunq x Kaufland Cashback Terms and Conditions
This document presents the specific Terms and Conditions that apply to the bunq x Kaufland Cashback offer.
Terms & Conditionsbunq x Lidl Cashback Terms and Conditions
Cashback at Lidl with bunq: how you earn it, when it pays out, and the rules that apply.
Terms & Conditionsbunq x Rokt Cashback Terms & Conditions
This document presents the specific Terms and Conditions that apply to the bunq x Rokt offer.
Terms & ConditionsCrypto Welcome Bonus Promotion Terms and Conditions
Rules for the crypto welcome bonus: eligibility, steps to qualify, and when we credit your account.
Terms & ConditionsRewards Terms and Conditions
How bunq referral and reward offers work: earning, redeeming, and rules that keep incentives fair for everyone.
Terms & Conditions2025 Annual Report
See bunq’s 2025 Annual Report for a transparent look at our achievements and growth.
Reports2025 Pillar 3 Report
Pillar 3 disclosure for 2025: our capital, key risks, and how we manage them.
Reports2025 ESG Report
Discover bunq’s 2025 ESG efforts, showcasing our commitment to positive impact.
Reports2025 Tax Report
Tax reporting and transparency for bunq for the 2025 year: figures and context in one place.
ReportsResponsible Disclosure Policy
How to report a security vulnerability to bunq safely and what you can expect in return.
Policies & StatementsAnti-Money Laundering & Counter-Terrorist Financing Sanctions Policy
How bunq meets AML, counter-terrorist financing, and sanctions rules to keep customer banking safer.
Policies & StatementsAnti-Bribery & Corruption Policy
bunq's commitment to anti-bribery and corruption: fair dealing, reporting, and how we run our business.
Policies & StatementsData Processing Policy
How bunq processes personal data: what we use, why, lawful bases, and how you stay in control of your information.
Policies & StatementsData Classification Policy
How we classify and protect data across bunq so sensitive banking information stays secure at every step.
Policies & StatementsData Retention & Disposal Policy
How long we keep personal and banking records and how we delete or destroy data when it's no longer needed.
Policies & StatementsOperational Resilience Policy
How bunq keeps critical banking services running: incident planning, recovery, and reliability for customers.
Policies & StatementsNotification of Incidents Policy
When and how bunq tells you about incidents that may affect your account, data, or use of our services.
Policies & StatementsRisk Management Policy
How bunq identifies and manages risk across the bank: deposits, systems, and the services you rely on.
Policies & StatementsCredit Risk Policy
How bunq measures and manages credit risk so lending and credit products stay responsible and sustainable.
Policies & StatementsThird Party Risk Management Policy
How we assess vendors and partners so third-party services meet bunq's security and resilience standards.
Policies & StatementsModel Risk Management Policy
How bunq governs models used for decisions: accuracy, fairness checks, and controls you can rely on.
Policies & StatementsCorporate Governance Policy
How bunq is governed: board oversight, accountability, and transparency for customers and stakeholders.
Policies & StatementsConflicts of Interest Policy
How bunq manages conflicts of interest so decisions about products and pricing stay fair for you.
Policies & StatementsCode of Conduct Policy
The standards everyone at bunq follows: integrity, respect, and behavior that earns your trust as our customer.
Policies & StatementsWhistleblowing Policy
How to raise concerns about misconduct safely and how bunq handles reports and protects good-faith whistleblowers.
Policies & StatementsEnvironmental, Social and Governance Policy
How bunq embeds ESG and sustainability into how we work and make decisions.
Policies & StatementsSocially Responsible Investing Policy
How we apply socially responsible investing criteria across bunq's lending and investments.
Policies & StatementsPolicy on ESG & SRI Criteria for Borrowers and Investments
How ESG and SRI criteria apply to lending and investments at bunq.
Policies & StatementsTax Policy
bunq’s 2026 Tax Policy outlines our commitment to transparent and responsible tax practices. Read the full policy here.
ReportsLiquidity Policy
How bunq manages liquidity: keeping customer deposits available while meeting regulatory and safety requirements.
Policies & StatementsInvestment Strategy Information Sheet
How bunq invests treasury assets: risk appetite, diversification, and safeguards behind our investment approach.
Information SheetsDividend Policy
How bunq approaches dividends: policy principles, shareholder decisions, and what it means if you hold our stock.
Policies & StatementsProcurement Policy
How bunq buys goods and services: vendor standards, fairness, and how spending aligns with our values and controls.
Policies & StatementsRemuneration Policy
How pay and incentives work at bunq: fairness, risk alignment, and transparency for staff and stakeholders.
Policies & StatementsRecruitment Privacy Policy
Privacy when you apply for a job at bunq: what data we collect, how long we keep it, and your GDPR rights.
Policies & Statements2024 Annual Report
See bunq’s 2024 Annual Report for a transparent look at our achievements and growth.
Reports2024 Pillar 3 Report
Pillar 3 disclosure for 2024: our capital, key risks, and how we manage them.
Reports2024 ESG Report
Discover bunq’s 2024 ESG efforts, showcasing our commitment to positive impact.
Reports2024 Tax Report
Tax reporting and transparency for bunq for the 2024 year: figures and context in one place.
Reports2024 SREP Decision Statement
Summary of the 2024 supervisory review (SREP) and what regulators concluded about bunq.
Reports2023 Annual Report
bunq's 2023 annual report: strategy, performance, and financial results for 2023.
Reports2023 ESG Report
bunq's 2023 ESG report: environmental, social, and governance disclosures for 2023.
Reports2023 SREP Decision Statement
The 2023 SREP decision: what regulators assessed and what it means for bunq's capital and risk profile.
Reports2022 Annual Report
bunq's 2022 annual report: performance, strategy, and milestones for 2022.
Reports2022 ESG Report
bunq's 2022 ESG report: ESG metrics, activities, and priorities for 2022.
Reports2022 SREP Decision Statement
The 2022 SREP decision: regulatory findings and what they mean for bunq's growth and resilience plans.
Reports2021 Annual Report
bunq's 2021 annual report: financial and strategic highlights for 2021.
Reports2021 ESG Report
bunq's 2021 ESG report: environmental, social, and governance disclosures for 2021.
Reports2020 Annual Report
bunq's 2020 annual report: performance, strategy, and resilience for 2020.
Reports2020 ESG Report
bunq's 2020 ESG report: how we advanced sustainability, inclusion, and responsible operations during the year.
ReportsABF Portal Guide
How to use the ABF portal to submit banking complaints in Italy.
Information SheetsPricing Sheet
Get transparent, straightforward pricing on all bunq services, so you know exactly what to expect.
Information SheetsPersonal Account Terms & Conditions
Read the terms designed to keep your bunq Personal Account safe, easy, and hassle-free.
Terms & ConditionsBusiness Account Terms & Conditions
Read the terms that keep your bunq Business Account efficient, clear, and ready to support your goals.
Terms & ConditionsPrivacy Policy
See how bunq protects your privacy, ensuring your data is handled safely and transparently.
Policies & StatementsCookie Statement
Find out how bunq uses cookies to improve your experience while respecting your privacy.
Policies & StatementsSecure Banking Policy
How bunq protects your money and data with financial security practices so you can bank online with confidence.
Policies & StatementsDepositor Information Sheet
Depositor information for bunq customers: deposit protection, limits, and what to expect if the bank faces stress.
Information SheetsFraud Refunds Policy
When you may get a fraud refund from bunq: unauthorized payments, timelines, and how we investigate your case.
Policies & StatementsRecognizing Fraud Information Sheet
Spot common payment and banking scams: red flags and habits that help protect your money with bunq.
Information SheetsSuspecting Fraud Information Sheet
If you think you're a victim of fraud: immediate steps to secure your Bank Account and how to report it.
Information SheetsFormal Complaints Policy
How to make a formal complaint to bunq: channels, timelines, escalation, and the customer service process we follow.
Policies & StatementsAccessibility Statement
Learn how bunq designs banking that’s inclusive by default—accessible, intuitive, and built for all users.
Policies & StatementsMobile Wallet Terms and Conditions
Terms for bunq's mobile Wallet and in-app payment features: how they work and what applies.
Terms & Conditionsbunq.me Terms and Conditions
Terms for bunq.me links: sending money, getting paid, and the rules that keep payments fair.
Terms & Conditionsbunq eSIM Terms and Conditions
Terms for bunq travel eSIM: buying data for abroad, coverage, activation, and what you agree to when you use it.
Terms & ConditionsSwitch Service Terms and Conditions
Switch Service terms: how we help move Direct Debits from your old bank to bunq and what you need to do.
Terms & ConditionsMastercard Chargeback Terms and Conditions
When you can request a Mastercard chargeback with bunq and how we review disputes on card payments.
Terms & ConditionsTerm Deposits Terms and Conditions
Terms for bunq Term Deposits: interest rates, how your savings are protected, and when funds unlock.
Terms & ConditionsCrypto Terms and Conditions
How buying, selling, and holding crypto through bunq works, including risk, fees, and your responsibilities.
Terms & ConditionsBizum Terms and Conditions
Terms for Bizum Instant Payments with bunq: sending, receiving, limits, and what you're agreeing to.
Terms & ConditionsiDIN Terms and Conditions
How iDIN verification works with bunq: your bank identity, what we receive, and your rights.
Terms & ConditionsAPI Terms and Conditions
Terms for the bunq banking API: build and connect apps with clear rules, security expectations, and fair use.
Terms & ConditionsWebsite Terms & Conditions
Terms for using bunq.com and related sites: acceptable use, liability, and your rights online.
Terms & ConditionsEligible Merchants for Tap to Pay Information Sheet
Who can offer Tap to Pay with bunq: merchant eligibility and how in-person card payments on a phone work.
Information SheetsMetal Card Purchase Protection and Extended Warranty Policy
Extra purchase protection and extended warranty for bunq Metal cardholders: coverage and how to claim.
Policies & StatementsPurchase Protection & Extended Warranty Terms and Conditions
Purchase protection and extended warranty on card purchases: coverage, claims, and limits that apply.
Terms & ConditionsTravel Insurance Information Sheet
Key facts about Travel Insurance with bunq: what's covered and how you're protected while you're away.
Information SheetsTravel Insurance Terms and Conditions
Travel Insurance with your bunq plan: coverage, who's insured, and how to claim when something goes wrong.
Terms & ConditionsBooking.com Cashback Terms and Conditions
Booking.com cashback with bunq: eligibility, how much you can earn, and when we pay cashback to your account.
Terms & Conditionsbunq & HYROX Instagram Giveaway Terms & Conditions
This document represents the specific Terms and Conditions that apply to the bunq & HYROX Instagram Giveaway.
Terms & Conditionsbunq & HYROX Raffle Promotion Terms and Conditions
Official rules for the bunq & HYROX raffle: who can enter, the draw, and how we contact winners.
Terms & Conditionsbunq Cashback General Terms and Conditions
General cashback rules for bunq partner offers: eligibility, payouts, and how we run promotions fairly.
Terms & Conditionsbunq Cashback Partner Specific Terms and Conditions
Partner-specific cashback terms: per-brand rules for earning, limits, and how payouts reach your account.
Terms & Conditionsbunq Deals General Terms and Conditions
How bunq Deals work: eligibility, how offers reach you, and what to expect when you redeem perks and benefits.
Terms & Conditionsbunq Deals Partnerships Terms and Conditions
How bunq runs Deals with brands: partner rules, offer types, and what it means for the perks you see.
Terms & Conditionsbunq Points Terms and Conditions
bunq Points terms: how you earn and redeem rewards, expiry rules, and fair use so perks stay clear for everyone.
Terms & Conditionsbunq Switch & Win Promotion Terms and Conditions
Official rules for the Switch & Win promotion: who can join, how to enter, and how winners are picked.
Terms & Conditionsbunq x Albert Heijn Cashback Terms and Conditions
Cashback at Albert Heijn with bunq: how you earn it, when it pays out, and the rules that apply.
Terms & Conditionsbunq x Auchan Cashback Terms & Conditions
This document presents the specific Terms and Conditions that apply to the bunq x Auchan Cashback offer.
Terms & Conditionsbunq x Kaufland Cashback Terms and Conditions
This document presents the specific Terms and Conditions that apply to the bunq x Kaufland Cashback offer.
Terms & Conditionsbunq x Lidl Cashback Terms and Conditions
Cashback at Lidl with bunq: how you earn it, when it pays out, and the rules that apply.
Terms & Conditionsbunq x Rokt Cashback Terms & Conditions
This document presents the specific Terms and Conditions that apply to the bunq x Rokt offer.
Terms & ConditionsCrypto Welcome Bonus Promotion Terms and Conditions
Rules for the crypto welcome bonus: eligibility, steps to qualify, and when we credit your account.
Terms & ConditionsRewards Terms and Conditions
How bunq referral and reward offers work: earning, redeeming, and rules that keep incentives fair for everyone.
Terms & Conditions2025 Annual Report
See bunq’s 2025 Annual Report for a transparent look at our achievements and growth.
Reports2025 Pillar 3 Report
Pillar 3 disclosure for 2025: our capital, key risks, and how we manage them.
Reports2025 ESG Report
Discover bunq’s 2025 ESG efforts, showcasing our commitment to positive impact.
Reports2025 Tax Report
Tax reporting and transparency for bunq for the 2025 year: figures and context in one place.
ReportsResponsible Disclosure Policy
How to report a security vulnerability to bunq safely and what you can expect in return.
Policies & StatementsAnti-Money Laundering & Counter-Terrorist Financing Sanctions Policy
How bunq meets AML, counter-terrorist financing, and sanctions rules to keep customer banking safer.
Policies & StatementsAnti-Bribery & Corruption Policy
bunq's commitment to anti-bribery and corruption: fair dealing, reporting, and how we run our business.
Policies & StatementsData Processing Policy
How bunq processes personal data: what we use, why, lawful bases, and how you stay in control of your information.
Policies & StatementsData Classification Policy
How we classify and protect data across bunq so sensitive banking information stays secure at every step.
Policies & StatementsData Retention & Disposal Policy
How long we keep personal and banking records and how we delete or destroy data when it's no longer needed.
Policies & StatementsOperational Resilience Policy
How bunq keeps critical banking services running: incident planning, recovery, and reliability for customers.
Policies & StatementsNotification of Incidents Policy
When and how bunq tells you about incidents that may affect your account, data, or use of our services.
Policies & StatementsRisk Management Policy
How bunq identifies and manages risk across the bank: deposits, systems, and the services you rely on.
Policies & StatementsCredit Risk Policy
How bunq measures and manages credit risk so lending and credit products stay responsible and sustainable.
Policies & StatementsThird Party Risk Management Policy
How we assess vendors and partners so third-party services meet bunq's security and resilience standards.
Policies & StatementsModel Risk Management Policy
How bunq governs models used for decisions: accuracy, fairness checks, and controls you can rely on.
Policies & StatementsCorporate Governance Policy
How bunq is governed: board oversight, accountability, and transparency for customers and stakeholders.
Policies & StatementsConflicts of Interest Policy
How bunq manages conflicts of interest so decisions about products and pricing stay fair for you.
Policies & StatementsCode of Conduct Policy
The standards everyone at bunq follows: integrity, respect, and behavior that earns your trust as our customer.
Policies & StatementsWhistleblowing Policy
How to raise concerns about misconduct safely and how bunq handles reports and protects good-faith whistleblowers.
Policies & StatementsEnvironmental, Social and Governance Policy
How bunq embeds ESG and sustainability into how we work and make decisions.
Policies & StatementsSocially Responsible Investing Policy
How we apply socially responsible investing criteria across bunq's lending and investments.
Policies & StatementsPolicy on ESG & SRI Criteria for Borrowers and Investments
How ESG and SRI criteria apply to lending and investments at bunq.
Policies & StatementsTax Policy
bunq’s 2026 Tax Policy outlines our commitment to transparent and responsible tax practices. Read the full policy here.
ReportsLiquidity Policy
How bunq manages liquidity: keeping customer deposits available while meeting regulatory and safety requirements.
Policies & StatementsInvestment Strategy Information Sheet
How bunq invests treasury assets: risk appetite, diversification, and safeguards behind our investment approach.
Information SheetsDividend Policy
How bunq approaches dividends: policy principles, shareholder decisions, and what it means if you hold our stock.
Policies & StatementsProcurement Policy
How bunq buys goods and services: vendor standards, fairness, and how spending aligns with our values and controls.
Policies & StatementsRemuneration Policy
How pay and incentives work at bunq: fairness, risk alignment, and transparency for staff and stakeholders.
Policies & StatementsRecruitment Privacy Policy
Privacy when you apply for a job at bunq: what data we collect, how long we keep it, and your GDPR rights.
Policies & Statements2024 Annual Report
See bunq’s 2024 Annual Report for a transparent look at our achievements and growth.
Reports2024 Pillar 3 Report
Pillar 3 disclosure for 2024: our capital, key risks, and how we manage them.
Reports2024 ESG Report
Discover bunq’s 2024 ESG efforts, showcasing our commitment to positive impact.
Reports2024 Tax Report
Tax reporting and transparency for bunq for the 2024 year: figures and context in one place.
Reports2024 SREP Decision Statement
Summary of the 2024 supervisory review (SREP) and what regulators concluded about bunq.
Reports2023 Annual Report
bunq's 2023 annual report: strategy, performance, and financial results for 2023.
Reports2023 ESG Report
bunq's 2023 ESG report: environmental, social, and governance disclosures for 2023.
Reports2023 SREP Decision Statement
The 2023 SREP decision: what regulators assessed and what it means for bunq's capital and risk profile.
Reports2022 Annual Report
bunq's 2022 annual report: performance, strategy, and milestones for 2022.
Reports2022 ESG Report
bunq's 2022 ESG report: ESG metrics, activities, and priorities for 2022.
Reports2022 SREP Decision Statement
The 2022 SREP decision: regulatory findings and what they mean for bunq's growth and resilience plans.
Reports2021 Annual Report
bunq's 2021 annual report: financial and strategic highlights for 2021.
Reports2021 ESG Report
bunq's 2021 ESG report: environmental, social, and governance disclosures for 2021.
Reports2020 Annual Report
bunq's 2020 annual report: performance, strategy, and resilience for 2020.
Reports2020 ESG Report
bunq's 2020 ESG report: how we advanced sustainability, inclusion, and responsible operations during the year.
ReportsABF Portal Guide
How to use the ABF portal to submit banking complaints in Italy.
Information SheetsPricing Sheet
Get transparent, straightforward pricing on all bunq services, so you know exactly what to expect.
Information SheetsPersonal Account Terms & Conditions
Read the terms designed to keep your bunq Personal Account safe, easy, and hassle-free.
Terms & ConditionsBusiness Account Terms & Conditions
Read the terms that keep your bunq Business Account efficient, clear, and ready to support your goals.
Terms & ConditionsPrivacy Policy
See how bunq protects your privacy, ensuring your data is handled safely and transparently.
Policies & StatementsCookie Statement
Find out how bunq uses cookies to improve your experience while respecting your privacy.
Policies & StatementsSecure Banking Policy
How bunq protects your money and data with financial security practices so you can bank online with confidence.
Policies & StatementsDepositor Information Sheet
Depositor information for bunq customers: deposit protection, limits, and what to expect if the bank faces stress.
Information SheetsFraud Refunds Policy
When you may get a fraud refund from bunq: unauthorized payments, timelines, and how we investigate your case.
Policies & StatementsRecognizing Fraud Information Sheet
Spot common payment and banking scams: red flags and habits that help protect your money with bunq.
Information SheetsSuspecting Fraud Information Sheet
If you think you're a victim of fraud: immediate steps to secure your Bank Account and how to report it.
Information SheetsFormal Complaints Policy
How to make a formal complaint to bunq: channels, timelines, escalation, and the customer service process we follow.
Policies & StatementsAccessibility Statement
Learn how bunq designs banking that’s inclusive by default—accessible, intuitive, and built for all users.
Policies & StatementsMobile Wallet Terms and Conditions
Terms for bunq's mobile Wallet and in-app payment features: how they work and what applies.
Terms & Conditionsbunq.me Terms and Conditions
Terms for bunq.me links: sending money, getting paid, and the rules that keep payments fair.
Terms & Conditionsbunq eSIM Terms and Conditions
Terms for bunq travel eSIM: buying data for abroad, coverage, activation, and what you agree to when you use it.
Terms & ConditionsSwitch Service Terms and Conditions
Switch Service terms: how we help move Direct Debits from your old bank to bunq and what you need to do.
Terms & ConditionsMastercard Chargeback Terms and Conditions
When you can request a Mastercard chargeback with bunq and how we review disputes on card payments.
Terms & ConditionsTerm Deposits Terms and Conditions
Terms for bunq Term Deposits: interest rates, how your savings are protected, and when funds unlock.
Terms & ConditionsCrypto Terms and Conditions
How buying, selling, and holding crypto through bunq works, including risk, fees, and your responsibilities.
Terms & ConditionsBizum Terms and Conditions
Terms for Bizum Instant Payments with bunq: sending, receiving, limits, and what you're agreeing to.
Terms & ConditionsiDIN Terms and Conditions
How iDIN verification works with bunq: your bank identity, what we receive, and your rights.
Terms & ConditionsAPI Terms and Conditions
Terms for the bunq banking API: build and connect apps with clear rules, security expectations, and fair use.
Terms & ConditionsWebsite Terms & Conditions
Terms for using bunq.com and related sites: acceptable use, liability, and your rights online.
Terms & ConditionsEligible Merchants for Tap to Pay Information Sheet
Who can offer Tap to Pay with bunq: merchant eligibility and how in-person card payments on a phone work.
Information SheetsMetal Card Purchase Protection and Extended Warranty Policy
Extra purchase protection and extended warranty for bunq Metal cardholders: coverage and how to claim.
Policies & StatementsPurchase Protection & Extended Warranty Terms and Conditions
Purchase protection and extended warranty on card purchases: coverage, claims, and limits that apply.
Terms & ConditionsTravel Insurance Information Sheet
Key facts about Travel Insurance with bunq: what's covered and how you're protected while you're away.
Information SheetsTravel Insurance Terms and Conditions
Travel Insurance with your bunq plan: coverage, who's insured, and how to claim when something goes wrong.
Terms & ConditionsBooking.com Cashback Terms and Conditions
Booking.com cashback with bunq: eligibility, how much you can earn, and when we pay cashback to your account.
Terms & Conditionsbunq & HYROX Instagram Giveaway Terms & Conditions
This document represents the specific Terms and Conditions that apply to the bunq & HYROX Instagram Giveaway.
Terms & Conditionsbunq & HYROX Raffle Promotion Terms and Conditions
Official rules for the bunq & HYROX raffle: who can enter, the draw, and how we contact winners.
Terms & Conditionsbunq Cashback General Terms and Conditions
General cashback rules for bunq partner offers: eligibility, payouts, and how we run promotions fairly.
Terms & Conditionsbunq Cashback Partner Specific Terms and Conditions
Partner-specific cashback terms: per-brand rules for earning, limits, and how payouts reach your account.
Terms & Conditionsbunq Deals General Terms and Conditions
How bunq Deals work: eligibility, how offers reach you, and what to expect when you redeem perks and benefits.
Terms & Conditionsbunq Deals Partnerships Terms and Conditions
How bunq runs Deals with brands: partner rules, offer types, and what it means for the perks you see.
Terms & Conditionsbunq Points Terms and Conditions
bunq Points terms: how you earn and redeem rewards, expiry rules, and fair use so perks stay clear for everyone.
Terms & Conditionsbunq Switch & Win Promotion Terms and Conditions
Official rules for the Switch & Win promotion: who can join, how to enter, and how winners are picked.
Terms & Conditionsbunq x Albert Heijn Cashback Terms and Conditions
Cashback at Albert Heijn with bunq: how you earn it, when it pays out, and the rules that apply.
Terms & Conditionsbunq x Auchan Cashback Terms & Conditions
This document presents the specific Terms and Conditions that apply to the bunq x Auchan Cashback offer.
Terms & Conditionsbunq x Kaufland Cashback Terms and Conditions
This document presents the specific Terms and Conditions that apply to the bunq x Kaufland Cashback offer.
Terms & Conditionsbunq x Lidl Cashback Terms and Conditions
Cashback at Lidl with bunq: how you earn it, when it pays out, and the rules that apply.
Terms & Conditionsbunq x Rokt Cashback Terms & Conditions
This document presents the specific Terms and Conditions that apply to the bunq x Rokt offer.
Terms & ConditionsCrypto Welcome Bonus Promotion Terms and Conditions
Rules for the crypto welcome bonus: eligibility, steps to qualify, and when we credit your account.
Terms & ConditionsRewards Terms and Conditions
How bunq referral and reward offers work: earning, redeeming, and rules that keep incentives fair for everyone.
Terms & Conditions2025 Annual Report
See bunq’s 2025 Annual Report for a transparent look at our achievements and growth.
Reports2025 Pillar 3 Report
Pillar 3 disclosure for 2025: our capital, key risks, and how we manage them.
Reports2025 ESG Report
Discover bunq’s 2025 ESG efforts, showcasing our commitment to positive impact.
Reports2025 Tax Report
Tax reporting and transparency for bunq for the 2025 year: figures and context in one place.
ReportsResponsible Disclosure Policy
How to report a security vulnerability to bunq safely and what you can expect in return.
Policies & StatementsAnti-Money Laundering & Counter-Terrorist Financing Sanctions Policy
How bunq meets AML, counter-terrorist financing, and sanctions rules to keep customer banking safer.
Policies & StatementsAnti-Bribery & Corruption Policy
bunq's commitment to anti-bribery and corruption: fair dealing, reporting, and how we run our business.
Policies & StatementsData Processing Policy
How bunq processes personal data: what we use, why, lawful bases, and how you stay in control of your information.
Policies & StatementsData Classification Policy
How we classify and protect data across bunq so sensitive banking information stays secure at every step.
Policies & StatementsData Retention & Disposal Policy
How long we keep personal and banking records and how we delete or destroy data when it's no longer needed.
Policies & StatementsOperational Resilience Policy
How bunq keeps critical banking services running: incident planning, recovery, and reliability for customers.
Policies & StatementsNotification of Incidents Policy
When and how bunq tells you about incidents that may affect your account, data, or use of our services.
Policies & StatementsRisk Management Policy
How bunq identifies and manages risk across the bank: deposits, systems, and the services you rely on.
Policies & StatementsCredit Risk Policy
How bunq measures and manages credit risk so lending and credit products stay responsible and sustainable.
Policies & StatementsThird Party Risk Management Policy
How we assess vendors and partners so third-party services meet bunq's security and resilience standards.
Policies & StatementsModel Risk Management Policy
How bunq governs models used for decisions: accuracy, fairness checks, and controls you can rely on.
Policies & StatementsCorporate Governance Policy
How bunq is governed: board oversight, accountability, and transparency for customers and stakeholders.
Policies & StatementsConflicts of Interest Policy
How bunq manages conflicts of interest so decisions about products and pricing stay fair for you.
Policies & StatementsCode of Conduct Policy
The standards everyone at bunq follows: integrity, respect, and behavior that earns your trust as our customer.
Policies & StatementsWhistleblowing Policy
How to raise concerns about misconduct safely and how bunq handles reports and protects good-faith whistleblowers.
Policies & StatementsEnvironmental, Social and Governance Policy
How bunq embeds ESG and sustainability into how we work and make decisions.
Policies & StatementsSocially Responsible Investing Policy
How we apply socially responsible investing criteria across bunq's lending and investments.
Policies & StatementsPolicy on ESG & SRI Criteria for Borrowers and Investments
How ESG and SRI criteria apply to lending and investments at bunq.
Policies & StatementsTax Policy
bunq’s 2026 Tax Policy outlines our commitment to transparent and responsible tax practices. Read the full policy here.
ReportsLiquidity Policy
How bunq manages liquidity: keeping customer deposits available while meeting regulatory and safety requirements.
Policies & StatementsInvestment Strategy Information Sheet
How bunq invests treasury assets: risk appetite, diversification, and safeguards behind our investment approach.
Information SheetsDividend Policy
How bunq approaches dividends: policy principles, shareholder decisions, and what it means if you hold our stock.
Policies & StatementsProcurement Policy
How bunq buys goods and services: vendor standards, fairness, and how spending aligns with our values and controls.
Policies & StatementsRemuneration Policy
How pay and incentives work at bunq: fairness, risk alignment, and transparency for staff and stakeholders.
Policies & StatementsRecruitment Privacy Policy
Privacy when you apply for a job at bunq: what data we collect, how long we keep it, and your GDPR rights.
Policies & Statements2024 Annual Report
See bunq’s 2024 Annual Report for a transparent look at our achievements and growth.
Reports2024 Pillar 3 Report
Pillar 3 disclosure for 2024: our capital, key risks, and how we manage them.
Reports2024 ESG Report
Discover bunq’s 2024 ESG efforts, showcasing our commitment to positive impact.
Reports2024 Tax Report
Tax reporting and transparency for bunq for the 2024 year: figures and context in one place.
Reports2024 SREP Decision Statement
Summary of the 2024 supervisory review (SREP) and what regulators concluded about bunq.
Reports2023 Annual Report
bunq's 2023 annual report: strategy, performance, and financial results for 2023.
Reports2023 ESG Report
bunq's 2023 ESG report: environmental, social, and governance disclosures for 2023.
Reports2023 SREP Decision Statement
The 2023 SREP decision: what regulators assessed and what it means for bunq's capital and risk profile.
Reports2022 Annual Report
bunq's 2022 annual report: performance, strategy, and milestones for 2022.
Reports2022 ESG Report
bunq's 2022 ESG report: ESG metrics, activities, and priorities for 2022.
Reports2022 SREP Decision Statement
The 2022 SREP decision: regulatory findings and what they mean for bunq's growth and resilience plans.
Reports2021 Annual Report
bunq's 2021 annual report: financial and strategic highlights for 2021.
Reports2021 ESG Report
bunq's 2021 ESG report: environmental, social, and governance disclosures for 2021.
Reports2020 Annual Report
bunq's 2020 annual report: performance, strategy, and resilience for 2020.
Reports2020 ESG Report
bunq's 2020 ESG report: how we advanced sustainability, inclusion, and responsible operations during the year.
ReportsABF Portal Guide
How to use the ABF portal to submit banking complaints in Italy.
Information SheetsFrequently Asked Questions
Here are the answers we get asked for most.
No branch visit is needed. Opening a Personal Bank Account is fully online: download the bunq app, follow signup, and verify your identity with your phone and a supported ID.
bunq is a licensed digital bank for personal and business customers across the EEA. From everyday payments and multiple Bank Accounts to savings, budgeting, and cards, you manage your money in one app.
Download the bunq app, tap Get Started or Sign up in 5 minutes, and follow the steps. You’ll need your phone, personal details, address, and a supported ID for verification.
Yes, your money is safe with bunq. bunq operates under a full European banking license from De Nederlandsche Bank (DNB). Eligible deposits are covered by the Deposit Guarantee Scheme (DGS) up to €100,000 per depositor where the rules apply.
Yes. You can switch between bunq Free, bunq Core, bunq Pro, and bunq Elite anytime in the app. Your new plan usually starts when your current billing cycle ends (upgrades from Free start right away).
Open Profile → Support for 24/7 in-app chat. For urgent card or access issues, call the SOS line shown in the app (+31 20 808 3666). You can also email support@bunq.com from your linked address.
Frequently Asked Questions
Here are the answers we get asked for most.
No branch visit is needed. Opening a Personal Bank Account is fully online: download the bunq app, follow signup, and verify your identity with your phone and a supported ID.
bunq is a licensed digital bank for personal and business customers across the EEA. From everyday payments and multiple Bank Accounts to savings, budgeting, and cards, you manage your money in one app.
Download the bunq app, tap Get Started or Sign up in 5 minutes, and follow the steps. You’ll need your phone, personal details, address, and a supported ID for verification.
Yes, your money is safe with bunq. bunq operates under a full European banking license from De Nederlandsche Bank (DNB). Eligible deposits are covered by the Deposit Guarantee Scheme (DGS) up to €100,000 per depositor where the rules apply.
Yes. You can switch between bunq Free, bunq Core, bunq Pro, and bunq Elite anytime in the app. Your new plan usually starts when your current billing cycle ends (upgrades from Free start right away).
Open Profile → Support for 24/7 in-app chat. For urgent card or access issues, call the SOS line shown in the app (+31 20 808 3666). You can also email support@bunq.com from your linked address.
Frequently Asked Questions
Here are the answers we get asked for most.
No branch visit is needed. Opening a Personal Bank Account is fully online: download the bunq app, follow signup, and verify your identity with your phone and a supported ID.
bunq is a licensed digital bank for personal and business customers across the EEA. From everyday payments and multiple Bank Accounts to savings, budgeting, and cards, you manage your money in one app.
Download the bunq app, tap Get Started or Sign up in 5 minutes, and follow the steps. You’ll need your phone, personal details, address, and a supported ID for verification.
Yes, your money is safe with bunq. bunq operates under a full European banking license from De Nederlandsche Bank (DNB). Eligible deposits are covered by the Deposit Guarantee Scheme (DGS) up to €100,000 per depositor where the rules apply.
Yes. You can switch between bunq Free, bunq Core, bunq Pro, and bunq Elite anytime in the app. Your new plan usually starts when your current billing cycle ends (upgrades from Free start right away).
Open Profile → Support for 24/7 in-app chat. For urgent card or access issues, call the SOS line shown in the app (+31 20 808 3666). You can also email support@bunq.com from your linked address.
