An expat is someone living outside their home country, often for work or study. Daily life involves a new currency, tax rules, and banking norms, plus staying connected to finances back home.

The right bank reduces friction: local payments, fair FX, and documents landlords and employers actually accept.

Banking needs expats share

A Local IBAN for salary and rent

Low-cost transfers to family abroad via payments

Spending in multiple currencies with Zero

FX

Proof of address and KYC that fits mobile onboarding

Banking as an expat with bunq

Open a European Bank Account from your phone. Add foreign currency balances when you need them. Use Budgeting to manage costs in a new city while you settle in.

Common questions

Can I keep my home country account?Usually yes. Many expats run a local EU account for daily life and keep a home account for legacy bills or savings.

Will bunq work if I move again?

Check residency and product eligibility in the app when your situation changes.