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How to Add Money to Your bunq Account

Find quick, easy ways to top up your bunq account and start managing your money efficiently.

30 November 2022

The best way for you may depend on your location or how soon you need the money. Let’s take a look at the different methods available.

Instant Payments with iDEAL

Firstly, you can use iDEAL, which is extremely popular in the Netherlands. This method is not only instant but also comes with no additional fees, making it a fantastic choice. iDEAL connects directly to another bank account, ensuring your money is added swiftly and securely. Plus, it isn't just for adding funds—iDEAL can also be used for instant payments.

Local Methods – Bancontact and Instant Bank Transfer

If you're in Belgium, Bancontact is a local method similar to iDEAL. Transactions must be between €5 and €10,000. Instant Bank Transfer is another great option available for users in various European countries. While bunq doesn’t charge for this service, your bank may apply fees. Both Bancontact and Instant Bank Transfer offer the same functionality and convenience as iDEAL, allowing you to top up your account instantly from another bank account.

Quick and Easy with Debit and Credit Cards

Using your debit card or credit card (Visa or Mastercard) to add money is both quick and easy. The transfer is instant, so there's no need to wait around. Please note that only EU-issued cards are supported for euro accounts. Additionally, these top-ups count toward your daily card top-up limit. Ensure that the card is in your name, and be aware that fees for using this method can vary.

Add Money with Apple Pay

You can also add money using Apple Pay, making the process even more convenient. Simply select Apple Pay in the app and follow the prompts to complete the top-up. Keep in mind that Apple Pay top-ups count toward your daily card top-up limit.

Traditional Bank Transfers

For a more traditional approach, you can add money through a regular bank transfer. Depending on the sending bank, this can be either instant or take 1-2 business days if it’s a SEPA transfer. Learn more about payment arrival times in our article on When will my payment arrive? If you need money immediately, consider your options. Make sure the sending bank uses RT1 or TIPS for instant transfers. The good news is this method is free of charge.

Easy Currency Conversion

If you have a bunq Local Currency Bank Account (Local Currencies), converting money is a breeze. For example, if you want to add euros (€) to your account from your dollar ($) bank account, you can do this directly in the app. We'll handle the conversion and add the amount to your preferred account, making international transactions seamless.

Simple Cash Deposits

Need to make a cash deposit? Thanks to our partnerships with Barzahlen/Viacash and PaySafeCash, this process is straightforward. Simply create a barcode in the app, present it at a supported store, and the amount will transfer to your bunq app. You can find partner stores on the app's map, making it easy to locate the nearest one. Please note that the first €100 deposited each billing month is free; a 2.5% fee applies to amounts above that.

Summary

Your money will be added to your account as soon as possible, no matter which method you choose. Pick the option that best fits your needs and enjoy the benefits of easily adding money to your mobile banking app.

Additional Features to Explore

Beyond easy top-ups, bunq offers a variety of features that make mobile banking simpler and more efficient:

  • Easy Budgeting: Keep your finances organized with our intuitive budgeting tools.

  • Joint Accounts: Easily manage shared expenses with family or friends.

  • Instant Payments: Send money instantly to other bunq users.

  • ZeroFX: Enjoy competitive exchange rates for your international transactions.

Discover all these features and more by downloading the app now. Keep your finances organized and enjoy the perks of modern mobile banking with bunq!

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Find your perfect fit

Personal

Business

Easy Card icon
Easy Card

Free

Get an international credit card in less than 5 minutes. Add it to Apple/Google Pay and start making payments today.

Easy Savings icon
Easy Savings

Free

Get a Savings Account and start growing your money faster with 3.36%* interest. No minimum deposit is required!

Easy Bank icon
Easy Bank

€3.99/month

Everything you expect from a mobile bank, and more. Open a bank account in just 5 minutes with your phone and ID.

Easy Bank Pro icon
Easy Bank Pro

€9.99/month

Enjoy full control over your money wherever you go, with true borderless banking, easy budgeting, powerful cards, and much more.

Easy Bank Pro XL icon
Easy Bank Pro XL

€18.99/month

Discover the full power of mobile banking, with worldwide Travel Insurance, priority support and more trees planted when using your card.

Find your perfect fit

Personal

Business

Easy Card icon
Easy Card

Free

Get an international credit card in less than 5 minutes. Add it to Apple/Google Pay and start making payments today.

Easy Savings icon
Easy Savings

Free

Get a Savings Account and start growing your money faster with 3.36%* interest. No minimum deposit is required!

Easy Bank icon
Easy Bank

€3.99/month

Everything you expect from a mobile bank, and more. Open a bank account in just 5 minutes with your phone and ID.

Easy Bank Pro icon
Easy Bank Pro

€9.99/month

Enjoy full control over your money wherever you go, with true borderless banking, easy budgeting, powerful cards, and much more.

Easy Bank Pro XL icon
Easy Bank Pro XL

€18.99/month

Discover the full power of mobile banking, with worldwide Travel Insurance, priority support and more trees planted when using your card.

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Open your account in just 5 minutes, directly from your phone.

Start your 30-day free trial

Open your account in just 5 minutes, directly from your phone.

Start your 30-day free trial

Open your account in just 5 minutes, directly from your phone.