Instant transfers
Send and receive money in seconds across Belgium and the SEPA zone, day or night.
Belgian IBAN
The Belgian IBAN that works everywhere
Your salary, your bills and your everyday banking—all work as intended. Open a bunq account with a real Belgian IBAN (BE) in minutes, straight from your phone.
Belgian IBAN
The Belgian IBAN that works everywhere
Your salary, your bills and your everyday banking—all work as intended. Open a bunq account with a real Belgian IBAN (BE) in minutes, straight from your phone.
Belgian IBAN
The Belgian IBAN that works everywhere
Your salary, your bills and your everyday banking—all work as intended. Open a bunq account with a real Belgian IBAN (BE) in minutes, straight from your phone.
Get paid like a local. Pay your bills like a local.
A Belgian IBAN clears the friction foreign accounts hit here—the paperwork, the bounced direct debits, the employer who hesitates.
Salary, sorted
Give your employer a Belgian IBAN and have your pay land directly in bunq—no extra forms, no questions.
Direct debits that stick
Set up domiciliëring / domiciliation for rent, energy and telecom on an account Belgian providers recognise.
No branches, no queues
Open everything from the app in minutes, identity check included. No appointments, no paperwork.
Get paid like a local. Pay your bills like a local.
A Belgian IBAN clears the friction foreign accounts hit here—the paperwork, the bounced direct debits, the employer who hesitates.
Instant transfers
Send and receive money in seconds across Belgium and the SEPA zone, day or night.
Salary, sorted
Give your employer a Belgian IBAN and have your pay land directly in bunq—no extra forms, no questions.
Direct debits that stick
Set up domiciliëring / domiciliation for rent, energy and telecom on an account Belgian providers recognise.
No branches, no queues
Open everything from the app in minutes, identity check included. No appointments, no paperwork.
Get paid like a local. Pay your bills like a local.
A Belgian IBAN clears the friction foreign accounts hit here—the paperwork, the bounced direct debits, the employer who hesitates.
Instant transfers
Send and receive money in seconds across Belgium and the SEPA zone, day or night.
Salary, sorted
Give your employer a Belgian IBAN and have your pay land directly in bunq—no extra forms, no questions.
Direct debits that stick
Set up domiciliëring / domiciliation for rent, energy and telecom on an account Belgian providers recognise.
No branches, no queues
Open everything from the app in minutes, identity check included. No appointments, no paperwork.
Open your account in 3 steps
1.
Download the app
Get started in the bunq app in under a minute.
2.
Verify your identity
A quick video check with your ID
3.
Your Belgian IBAN is ready
Start receiving and paying right away, with a digital card from day one.
Open your account in 3 steps
1.
Download the app
Get started in the bunq app in under a minute.
2.
Verify your identity
A quick video check with your ID
3.
Your Belgian IBAN is ready
Start receiving and paying right away, with a digital card from day one.
Open your account in 3 steps
1.
Download the app
Get started in the bunq app in under a minute.
2.
Verify your identity
A quick video check with your ID
3.
Your Belgian IBAN is ready
Start receiving and paying right away, with a digital card from day one.
Why a Belgian IBAN makes life easier
Use a local Belgian account for your salary, direct debits, rent, energy, and telecom—without the friction foreign accounts can cause.
*
Your pay goes straight to your BE IBAN. Set up rent, energy, and telecom payments that go through. Use a local number Belgian providers accept, and make bunq your main account.
Why a Belgian IBAN makes life easier
Use a local Belgian account for your salary, direct debits, rent, energy, and telecom—without the friction foreign accounts can cause.
*
Your pay goes straight to your BE IBAN. Set up rent, energy, and telecom payments that go through. Use a local number Belgian providers accept, and make bunq your main account.
Why a Belgian IBAN makes life easier
Use a local Belgian account for your salary, direct debits, rent, energy, and telecom—without the friction foreign accounts can cause.
*
Your pay goes straight to your BE IBAN. Set up rent, energy, and telecom payments that go through. Use a local number Belgian providers accept, and make bunq your main account.
Put your money to work
Grow your savings with 1.51% annual gross interest rate (1.057% net)* and enjoy weekly payouts that help your money grow faster. With compound interest, the interest you earn is added to your balance every week—so the next week, you earn interest on both your savings and the interest you’ve already gained. It’s a simple way to reach your goals even quicker. Interest is paid only up to €100,000 across all bunq Savings and Term Deposit accounts combined
Save the change
Auto Round-Up tucks your spare change into savings every time you pay.
Sort it automatically
Incoming money flows to the right pocket with rules you set once.
Reach it when you need it
Up to 3 free withdrawals a month, no lock-in.
Save together
Open a Joint Savings Account for partners, friends or family.
Put your money to work
Grow your savings with 1.51% annual gross interest rate (1.057% net)* and enjoy weekly payouts that help your money grow faster. With compound interest, the interest you earn is added to your balance every week—so the next week, you earn interest on both your savings and the interest you’ve already gained. It’s a simple way to reach your goals even quicker. Interest is paid only up to €100,000 across all bunq Savings and Term Deposit accounts combined
Save the change
Auto Round-Up tucks your spare change into savings every time you pay.
Sort it automatically
Incoming money flows to the right pocket with rules you set once.
Reach it when you need it
Up to 3 free withdrawals a month, no lock-in.
Save together
Open a Joint Savings Account for partners, friends or family.
Put your money to work
Grow your savings with 1.51% annual gross interest rate (1.057% net)* and enjoy weekly payouts that help your money grow faster. With compound interest, the interest you earn is added to your balance every week—so the next week, you earn interest on both your savings and the interest you’ve already gained. It’s a simple way to reach your goals even quicker. Interest is paid only up to €100,000 across all bunq Savings and Term Deposit accounts combined
Save the change
Auto Round-Up tucks your spare change into savings every time you pay.
Sort it automatically
Incoming money flows to the right pocket with rules you set once.
Reach it when you need it
Up to 3 free withdrawals a month, no lock-in.
Save together
Open a Joint Savings Account for partners, friends or family.
Disclaimer
Regulatory Information
bunq is a licensed bank supervised by the Dutch Central Bank and authorized to operate in Belgium. This Savings Account is governed by Dutch law and classified as an unregulated savings account under Belgian law. A Key Saver Information document is not available for this product.
Tax Information
You are responsible for declaring any taxes due in Belgium. In Belgium, interest earned on unregulated savings accounts is subject to a 30% withholding tax. bunq does not deduct this automatically, so you must declare your interest income in your annual tax return.
bunq bonus MassInterest
You can earn a 3.01% annual gross interest rate (2.107% net) on savings above your personalized threshold, and 1.51% gross interest rate (1.057% net) on the portion below it.
Your threshold is the highest balance in your Savings Account during the previous 6-month period, recalculated on January 1 and July 1 at 00:00 UTC.
If your account is new or had no savings during that period, your threshold is €0, so you receive the full 3.01% annual gross interest rate (2.107% net) on all savings until the next calculation. Interest is paid out weekly based on your Payday. Read more about Payday here.
bunq may adjust the gross interest rate; you will always be notified by email.
Costs
There are no additional fees for opening or maintaining a Savings Account beyond the monthly price of your bunq plan.
Savings accounts are available with all bunq plans: bunq Free (€0/month), bunq Core (€3.99/month), bunq Pro (€9.99/month), bunq Elite (€18.99/month).
Withdrawals
You can withdraw money from your Savings Accounts for free up to two times per calendar month (no limit on amount). After saving with bunq for one full year from your first deposit, you automatically receive a third free withdrawal each month. Internal transfers between your own Savings Accounts don’t count toward this limit; transfers to regular Bank Accounts, automated payments, and withdrawals from Joint Savings Accounts do.
Your free withdrawal limit resets on the 1st of each month at 01:00 CET.
If you exceed your free withdrawals, you can still withdraw for a fee: your first paid withdrawal requires repaying your last four Paydays; each additional withdrawal requires repaying all Paydays earned since your previous withdrawal (or your most recent Payday if none were earned).
You may close your Savings Account at any time after withdrawing all funds. If you’ve used your free withdrawals for the month, you can wait for the reset or make a paid withdrawal.
Credit Risk
Saving money always involves some credit risk. Your money is protected up to a total of €100,000 per person across all bunq accounts (excluding investments in stocks and crypto) under the Dutch Deposit Guarantee Scheme (DGS). Balances above this amount are not guaranteed.
Inflation Risk
Your savings may lose value if inflation exceeds the interest you earn.
Dispute Resolution
If you have a formal complaint, you can submit it through our official complaints process.
Disclaimer
Regulatory Information
bunq is a licensed bank supervised by the Dutch Central Bank and authorized to operate in Belgium. This Savings Account is governed by Dutch law and classified as an unregulated savings account under Belgian law. A Key Saver Information document is not available for this product.
Tax Information
You are responsible for declaring any taxes due in Belgium. In Belgium, interest earned on unregulated savings accounts is subject to a 30% withholding tax. bunq does not deduct this automatically, so you must declare your interest income in your annual tax return.
bunq bonus MassInterest
You can earn a 3.01% annual gross interest rate (2.107% net) on savings above your personalized threshold, and 1.51% gross interest rate (1.057% net) on the portion below it.
Your threshold is the highest balance in your Savings Account during the previous 6-month period, recalculated on January 1 and July 1 at 00:00 UTC.
If your account is new or had no savings during that period, your threshold is €0, so you receive the full 3.01% annual gross interest rate (2.107% net) on all savings until the next calculation. Interest is paid out weekly based on your Payday. Read more about Payday here.
bunq may adjust the gross interest rate; you will always be notified by email.
Costs
There are no additional fees for opening or maintaining a Savings Account beyond the monthly price of your bunq plan.
Savings accounts are available with all bunq plans: bunq Free (€0/month), bunq Core (€3.99/month), bunq Pro (€9.99/month), bunq Elite (€18.99/month).
Withdrawals
You can withdraw money from your Savings Accounts for free up to two times per calendar month (no limit on amount). After saving with bunq for one full year from your first deposit, you automatically receive a third free withdrawal each month. Internal transfers between your own Savings Accounts don’t count toward this limit; transfers to regular Bank Accounts, automated payments, and withdrawals from Joint Savings Accounts do.
Your free withdrawal limit resets on the 1st of each month at 01:00 CET.
If you exceed your free withdrawals, you can still withdraw for a fee: your first paid withdrawal requires repaying your last four Paydays; each additional withdrawal requires repaying all Paydays earned since your previous withdrawal (or your most recent Payday if none were earned).
You may close your Savings Account at any time after withdrawing all funds. If you’ve used your free withdrawals for the month, you can wait for the reset or make a paid withdrawal.
Credit Risk
Saving money always involves some credit risk. Your money is protected up to a total of €100,000 per person across all bunq accounts (excluding investments in stocks and crypto) under the Dutch Deposit Guarantee Scheme (DGS). Balances above this amount are not guaranteed.
Inflation Risk
Your savings may lose value if inflation exceeds the interest you earn.
Dispute Resolution
If you have a formal complaint, you can submit it through our official complaints process.
Disclaimer
Regulatory Information
bunq is a licensed bank supervised by the Dutch Central Bank and authorized to operate in Belgium. This Savings Account is governed by Dutch law and classified as an unregulated savings account under Belgian law. A Key Saver Information document is not available for this product.
Tax Information
You are responsible for declaring any taxes due in Belgium. In Belgium, interest earned on unregulated savings accounts is subject to a 30% withholding tax. bunq does not deduct this automatically, so you must declare your interest income in your annual tax return.
bunq bonus MassInterest
You can earn a 3.01% annual gross interest rate (2.107% net) on savings above your personalized threshold, and 1.51% gross interest rate (1.057% net) on the portion below it.
Your threshold is the highest balance in your Savings Account during the previous 6-month period, recalculated on January 1 and July 1 at 00:00 UTC.
If your account is new or had no savings during that period, your threshold is €0, so you receive the full 3.01% annual gross interest rate (2.107% net) on all savings until the next calculation. Interest is paid out weekly based on your Payday. Read more about Payday here.
bunq may adjust the gross interest rate; you will always be notified by email.
Costs
There are no additional fees for opening or maintaining a Savings Account beyond the monthly price of your bunq plan.
Savings accounts are available with all bunq plans: bunq Free (€0/month), bunq Core (€3.99/month), bunq Pro (€9.99/month), bunq Elite (€18.99/month).
Withdrawals
You can withdraw money from your Savings Accounts for free up to two times per calendar month (no limit on amount). After saving with bunq for one full year from your first deposit, you automatically receive a third free withdrawal each month. Internal transfers between your own Savings Accounts don’t count toward this limit; transfers to regular Bank Accounts, automated payments, and withdrawals from Joint Savings Accounts do.
Your free withdrawal limit resets on the 1st of each month at 01:00 CET.
If you exceed your free withdrawals, you can still withdraw for a fee: your first paid withdrawal requires repaying your last four Paydays; each additional withdrawal requires repaying all Paydays earned since your previous withdrawal (or your most recent Payday if none were earned).
You may close your Savings Account at any time after withdrawing all funds. If you’ve used your free withdrawals for the month, you can wait for the reset or make a paid withdrawal.
Credit Risk
Saving money always involves some credit risk. Your money is protected up to a total of €100,000 per person across all bunq accounts (excluding investments in stocks and crypto) under the Dutch Deposit Guarantee Scheme (DGS). Balances above this amount are not guaranteed.
Inflation Risk
Your savings may lose value if inflation exceeds the interest you earn.
Dispute Resolution
If you have a formal complaint, you can submit it through our official complaints process.
Frequently asked questions
Answers to the most common questions about your Belgian IBAN
Yes. As a fully licensed European bank, bunq is regulated and protects eligible deposits up to €100,000. For specific details on your structure, talk to an expert.
Yes. New Belgian accounts now come with a BE IBAN, so you can receive your salary and set up direct debits the way Belgian providers expect.
Yes—give your employer your Belgian IBAN and your pay arrives directly in your bunq account.
You can set up direct debits for rent, energy, telecom and more, on an account Belgian companies recognize.
You can top up your bunq account instantly via Bancontact. A bunq card isn’t a Bancontact card, so for the few places that only accept Bancontact, keep your existing card. Everywhere else: stores, online, abroad—bunq works fine.
You can earn a 3.01% annual gross interest rate (2.107% net) on savings above your personalized threshold, and 1.51% gross interest rate (1.057% net) on the portion below it.
New Savings Accounts earn the full rate until the first threshold is set. The rate is variable. Interest on unregulated savings is subject to 30% Belgian withholding tax, which you declare yourself.
Still have questions?
Frequently asked questions
Answers to the most common questions about your Belgian IBAN
Yes. As a fully licensed European bank, bunq is regulated and protects eligible deposits up to €100,000. For specific details on your structure, talk to an expert.
Yes. New Belgian accounts now come with a BE IBAN, so you can receive your salary and set up direct debits the way Belgian providers expect.
Yes—give your employer your Belgian IBAN and your pay arrives directly in your bunq account.
You can set up direct debits for rent, energy, telecom and more, on an account Belgian companies recognize.
You can top up your bunq account instantly via Bancontact. A bunq card isn’t a Bancontact card, so for the few places that only accept Bancontact, keep your existing card. Everywhere else: stores, online, abroad—bunq works fine.
You can earn a 3.01% annual gross interest rate (2.107% net) on savings above your personalized threshold, and 1.51% gross interest rate (1.057% net) on the portion below it.
New Savings Accounts earn the full rate until the first threshold is set. The rate is variable. Interest on unregulated savings is subject to 30% Belgian withholding tax, which you declare yourself.
Still have questions?
Frequently asked questions
Answers to the most common questions about your Belgian IBAN
Yes. As a fully licensed European bank, bunq is regulated and protects eligible deposits up to €100,000. For specific details on your structure, talk to an expert.
Yes. New Belgian accounts now come with a BE IBAN, so you can receive your salary and set up direct debits the way Belgian providers expect.
Yes—give your employer your Belgian IBAN and your pay arrives directly in your bunq account.
You can set up direct debits for rent, energy, telecom and more, on an account Belgian companies recognize.
You can top up your bunq account instantly via Bancontact. A bunq card isn’t a Bancontact card, so for the few places that only accept Bancontact, keep your existing card. Everywhere else: stores, online, abroad—bunq works fine.
You can earn a 3.01% annual gross interest rate (2.107% net) on savings above your personalized threshold, and 1.51% gross interest rate (1.057% net) on the portion below it.
New Savings Accounts earn the full rate until the first threshold is set. The rate is variable. Interest on unregulated savings is subject to 30% Belgian withholding tax, which you declare yourself.
Still have questions?
Get a Belgian IBAN that just works
Salary in, bills handled, savings growing—and a switch that takes minutes to start.
Get a Belgian IBAN that just works
Salary in, bills handled, savings growing—and a switch that takes minutes to start.
Get a Belgian IBAN that just works
Salary in, bills handled, savings growing—and a switch that takes minutes to start.
Choose your plan
Try it free for 30 days, no strings attached.
Choose your plan
Try it free for 30 days, no strings attached.
Choose your plan
Try it free for 30 days, no strings attached.