100K
Insured
Your money is protected by the Deposit Guarantee Scheme.
Your bunq Account in Germany
Get a German IBAN from a licensed EU bank on your phone. Start your 30-day free trial with just your phone and ID.
Your bunq Account in Germany
Get a German IBAN from a licensed EU bank on your phone. Start your 30-day free trial with just your phone and ID.
Your bunq Account in Germany
Get a German IBAN from a licensed EU bank on your phone. Start your 30-day free trial with just your phone and ID.
Bank with confidence
Clear, straightforward banking, so you can focus on what matters.
20M+
Users
Millions across Europe trust bunq for their everyday banking.
24/7
Support
Get help instantly in your language, day or night.
Bank with confidence
Clear, straightforward banking, so you can focus on what matters.
100K
Insured
Your money is protected by the Deposit Guarantee Scheme.
20M+
Users
Millions across Europe trust bunq for their everyday banking.
24/7
Support
Get help instantly in your language, day or night.
Bank with confidence
Clear, straightforward banking, so you can focus on what matters.
100K
Insured
Your money is protected by the Deposit Guarantee Scheme.
20M+
Users
Millions across Europe trust bunq for their everyday banking.
24/7
Support
Get help instantly in your language, day or night.
Is bunq a bank in Germany?
Yes. bunq operates in Germany with a full European banking licence, so you can use it for everyday banking, savings, cards, and payments.
Is bunq a bank in Germany?
Yes. bunq operates in Germany with a full European banking licence, so you can use it for everyday banking, savings, cards, and payments.
Is bunq a bank in Germany?
Yes. bunq operates in Germany with a full European banking licence, so you can use it for everyday banking, savings, cards, and payments.
Can I get a German IBAN with bunq?
Open a bunq account with a German IBAN and use it for salary payments, direct debits, bills, and everyday spending in Germany.
Can I get a German IBAN with bunq?
Open a bunq account with a German IBAN and use it for salary payments, direct debits, bills, and everyday spending in Germany.
Can I get a German IBAN with bunq?
Open a bunq account with a German IBAN and use it for salary payments, direct debits, bills, and everyday spending in Germany.
How do I open a bunq account in Germany?
Download the bunq app, verify your identity with your EU ID or passport, and start banking online. No branch visits or appointments needed.
How do I open a bunq account in Germany?
Download the bunq app, verify your identity with your EU ID or passport, and start banking online. No branch visits or appointments needed.
How do I open a bunq account in Germany?
Download the bunq app, verify your identity with your EU ID or passport, and start banking online. No branch visits or appointments needed.
Is bunq a trusted bank?
Yes. Founded in 2012, bunq is trusted by millions of people across Europe for its transparent, mobile-first approach to banking. In Germany, you can use bunq to manage your money securely, easily, and all in one app.
Is bunq a trusted bank?
Yes. Founded in 2012, bunq is trusted by millions of people across Europe for its transparent, mobile-first approach to banking. In Germany, you can use bunq to manage your money securely, easily, and all in one app.
Is bunq a trusted bank?
Yes. Founded in 2012, bunq is trusted by millions of people across Europe for its transparent, mobile-first approach to banking. In Germany, you can use bunq to manage your money securely, easily, and all in one app.
How does bunq handle cash deposits in Germany?
Add or withdraw cash at thousands of partner stores across Germany and Austria with Barzahlen/viacash, including REWE, Penny, dm, and Rossmann. Just create a barcode in the bunq app and show it at the checkout.
How does bunq handle cash deposits in Germany?
Add or withdraw cash at thousands of partner stores across Germany and Austria with Barzahlen/viacash, including REWE, Penny, dm, and Rossmann. Just create a barcode in the bunq app and show it at the checkout.
How does bunq handle cash deposits in Germany?
Add or withdraw cash at thousands of partner stores across Germany and Austria with Barzahlen/viacash, including REWE, Penny, dm, and Rossmann. Just create a barcode in the bunq app and show it at the checkout.
Can I use bunq for salary payments in Germany?
Yes. Use your bunq DE IBAN to receive your salary in Germany, just like with any other SEPA bank account.
Can I use bunq for salary payments in Germany?
Yes. Use your bunq DE IBAN to receive your salary in Germany, just like with any other SEPA bank account.
Can I use bunq for salary payments in Germany?
Yes. Use your bunq DE IBAN to receive your salary in Germany, just like with any other SEPA bank account.
What country is bunq from?
bunq was founded in the Netherlands and is headquartered in Amsterdam. Today, we serve people and businesses across Europe, including Germany.
What country is bunq from?
bunq was founded in the Netherlands and is headquartered in Amsterdam. Today, we serve people and businesses across Europe, including Germany.
What country is bunq from?
bunq was founded in the Netherlands and is headquartered in Amsterdam. Today, we serve people and businesses across Europe, including Germany.
Does bunq contribute to SCHUFA credit scores?
No. bunq does not report to SCHUFA, so opening or using a bunq account will not affect your credit score.
Does bunq contribute to SCHUFA credit scores?
No. bunq does not report to SCHUFA, so opening or using a bunq account will not affect your credit score.
Does bunq contribute to SCHUFA credit scores?
No. bunq does not report to SCHUFA, so opening or using a bunq account will not affect your credit score.
Compare bunq to other European banks
Find the account that fits how you bank, from local IBANs to privacy, licences and everyday features.
| Feature | N26 | Revolut | Trade Republic | Vivid | ||
|---|---|---|---|---|---|---|
| Banking License | Full Dutch banking licence (DNB supervised) | Full DE banking licence (BaFin/ECB) | EU bank (LT licence, passported) | Full EU bank licence (ECB, since 2023) | Banking via Solaris (full DE licence) | |
| IBAN | NL IBAN; Pro/Elite up to 25 IBANs (NL, DE, ES, FR, IE) | DE IBAN | DE or LT IBAN | DE IBAN current account | DE IBAN; multi sub-accounts | |
| Eco features | 1 tree per €100 card spend (Elite plan) | Internal carbon tax; ESG investing | Revolut Green: CO₂ tracking (paid) | ESG ETFs; no card eco programme | Cashback focus; no eco banking | |
| Data privacy | GDPR; we do not sell your data | GDPR + German BDSG | GDPR; DPO available | GDPR; BaFin-supervised retention | GDPR; EU-hosted servers |
Compare bunq to other European banks
Find the account that fits how you bank, from local IBANs to privacy, licences and everyday features.
| Feature | N26 | Revolut | Trade Republic | Vivid | ||
|---|---|---|---|---|---|---|
| Banking License | Full Dutch banking licence (DNB supervised) | Full DE banking licence (BaFin/ECB) | EU bank (LT licence, passported) | Full EU bank licence (ECB, since 2023) | Banking via Solaris (full DE licence) | |
| IBAN | NL IBAN; Pro/Elite up to 25 IBANs (NL, DE, ES, FR, IE) | DE IBAN | DE or LT IBAN | DE IBAN current account | DE IBAN; multi sub-accounts | |
| Eco features | 1 tree per €100 card spend (Elite plan) | Internal carbon tax; ESG investing | Revolut Green: CO₂ tracking (paid) | ESG ETFs; no card eco programme | Cashback focus; no eco banking | |
| Data privacy | GDPR; we do not sell your data | GDPR + German BDSG | GDPR; DPO available | GDPR; BaFin-supervised retention | GDPR; EU-hosted servers |
Compare bunq to other European banks
Find the account that fits how you bank, from local IBANs to privacy, licences and everyday features.
| Feature | N26 | Revolut | Trade Republic | Vivid | ||
|---|---|---|---|---|---|---|
| Banking License | Full Dutch banking licence (DNB supervised) | Full DE banking licence (BaFin/ECB) | EU bank (LT licence, passported) | Full EU bank licence (ECB, since 2023) | Banking via Solaris (full DE licence) | |
| IBAN | NL IBAN; Pro/Elite up to 25 IBANs (NL, DE, ES, FR, IE) | DE IBAN | DE or LT IBAN | DE IBAN current account | DE IBAN; multi sub-accounts | |
| Eco features | 1 tree per €100 card spend (Elite plan) | Internal carbon tax; ESG investing | Revolut Green: CO₂ tracking (paid) | ESG ETFs; no card eco programme | Cashback focus; no eco banking | |
| Data privacy | GDPR; we do not sell your data | GDPR + German BDSG | GDPR; DPO available | GDPR; BaFin-supervised retention | GDPR; EU-hosted servers |
Disclaimer
Comparison based on publicly available information as of May 2026. Features may change; passported banks may use home-country deposit protection.
Disclaimer
Comparison based on publicly available information as of May 2026. Features may change; passported banks may use home-country deposit protection.
Disclaimer
Comparison based on publicly available information as of May 2026. Features may change; passported banks may use home-country deposit protection.
Frequently Asked Questions
Find clear answers about using bunq in Germany, from opening an account to keeping your money safe.
Yes. bunq holds a European banking licence, and eligible deposits are protected under the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 per depositor.
You’ll need a smartphone with the bunq app, a supported ID, a residential address in a supported EEA country, and your Tax Identification Number (TIN). Signup is fully digital and designed to take about five minutes.
If you don’t have a fixed address yet, you may still sign up when you reside in or are a citizen of a supported EEA country. We may ask for proof of residence in the app or via Support.
Eligible deposits are protected under the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 per depositor where the rules apply.
We also use features like IBAN name checks, fraud monitoring, remote-access detection, and extra security warnings. See the help article for more on how we protect your account.
As a German resident you can get a local German IBAN, bank fully from your phone, and use tools like multiple Bank Accounts, savings, and budgeting. Deposits are protected under the European Deposit Guarantee Scheme.
Use original plastic documents only (no scans). In the EU we accept plastic driver’s licenses, national ID cards (Italy: plastic only), valid residence permit cards, and passports. The in-app verification flow tells you exactly what to show.
Frequently Asked Questions
Find clear answers about using bunq in Germany, from opening an account to keeping your money safe.
Yes. bunq holds a European banking licence, and eligible deposits are protected under the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 per depositor.
You’ll need a smartphone with the bunq app, a supported ID, a residential address in a supported EEA country, and your Tax Identification Number (TIN). Signup is fully digital and designed to take about five minutes.
If you don’t have a fixed address yet, you may still sign up when you reside in or are a citizen of a supported EEA country. We may ask for proof of residence in the app or via Support.
Eligible deposits are protected under the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 per depositor where the rules apply.
We also use features like IBAN name checks, fraud monitoring, remote-access detection, and extra security warnings. See the help article for more on how we protect your account.
As a German resident you can get a local German IBAN, bank fully from your phone, and use tools like multiple Bank Accounts, savings, and budgeting. Deposits are protected under the European Deposit Guarantee Scheme.
Use original plastic documents only (no scans). In the EU we accept plastic driver’s licenses, national ID cards (Italy: plastic only), valid residence permit cards, and passports. The in-app verification flow tells you exactly what to show.
Frequently Asked Questions
Find clear answers about using bunq in Germany, from opening an account to keeping your money safe.
Yes. bunq holds a European banking licence, and eligible deposits are protected under the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 per depositor.
You’ll need a smartphone with the bunq app, a supported ID, a residential address in a supported EEA country, and your Tax Identification Number (TIN). Signup is fully digital and designed to take about five minutes.
If you don’t have a fixed address yet, you may still sign up when you reside in or are a citizen of a supported EEA country. We may ask for proof of residence in the app or via Support.
Eligible deposits are protected under the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 per depositor where the rules apply.
We also use features like IBAN name checks, fraud monitoring, remote-access detection, and extra security warnings. See the help article for more on how we protect your account.
As a German resident you can get a local German IBAN, bank fully from your phone, and use tools like multiple Bank Accounts, savings, and budgeting. Deposits are protected under the European Deposit Guarantee Scheme.
Use original plastic documents only (no scans). In the EU we accept plastic driver’s licenses, national ID cards (Italy: plastic only), valid residence permit cards, and passports. The in-app verification flow tells you exactly what to show.
Start banking your way in Germany
Open your bunq account in minutes and manage your money in German, English, or 33+ other languages.
Start banking your way in Germany
Open your bunq account in minutes and manage your money in German, English, or 33+ other languages.
Start banking your way in Germany
Open your bunq account in minutes and manage your money in German, English, or 33+ other languages.
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