International Bank Accounts and Foreign Currencies

Bank like a local, wherever you are. Open International Bank Accounts with NL, DE, FR, ES, IE, or IT IBANs and send, receive, and hold money in 20 global currencies with ease.

Globe with country flags and location pins representing international usage.

International Bank Accounts and Foreign Currencies

Bank like a local, wherever you are. Open International Bank Accounts with NL, DE, FR, ES, IE, or IT IBANs and send, receive, and hold money in 20 global currencies with ease.

Globe with country flags and location pins representing international usage.

International Bank Accounts and Foreign Currencies

Bank like a local, wherever you are. Open International Bank Accounts with NL, DE, FR, ES, IE, or IT IBANs and send, receive, and hold money in 20 global currencies with ease.

Globe with country flags and location pins representing international usage.

International Bank Accounts

Open Bank Accounts with NL, DE, FR, ES, or IE IBANs.

Foreign Currencies

Open Bank Accounts with NL, DE, FR or ES IBANs.

Foreign Currency Transfer

Instantly send money across the world in 47 currencies.

ZeroFX

Always get the best exchange rate abroad.

Foreign Currency Savings Accounts

Earn high interest across 8 global currencies with bunq.

International Bank Accounts

Open Bank Accounts with NL, DE, FR, ES, or IE IBANs.

Foreign Currencies

Open Bank Accounts with NL, DE, FR or ES IBANs.

Foreign Currency Transfer

Instantly send money across the world in 47 currencies.

ZeroFX

Always get the best exchange rate abroad.

Foreign Currency Savings Accounts

Earn high interest across 8 global currencies with bunq.

International Bank Accounts

Open Bank Accounts with NL, DE, FR, ES, or IE IBANs.

Foreign Currencies

Open Bank Accounts with NL, DE, FR or ES IBANs.

Foreign Currency Transfer

Instantly send money across the world in 47 currencies.

ZeroFX

Always get the best exchange rate abroad.

Foreign Currency Savings Accounts

Earn high interest across 8 global currencies with bunq.

Globe with stacked bunq cards showing balances in EUR, USD, and AUD.

International Bank Accounts

We offer international IBANs for 6 countries, with more on the way! You'll automatically receive an NL, DE, FR, ES, IE, or IT IBAN based on your location, but you can also open additional bank accounts and choose the IBAN that works best for you.

Globe with stacked bunq cards showing balances in EUR, USD, and AUD.

International Bank Accounts

We offer international IBANs for 6 countries, with more on the way! You'll automatically receive an NL, DE, FR, ES, IE, or IT IBAN based on your location, but you can also open additional bank accounts and choose the IBAN that works best for you.

Globe with stacked bunq cards showing balances in EUR, USD, and AUD.

International Bank Accounts

We offer international IBANs for 6 countries, with more on the way! You'll automatically receive an NL, DE, FR, ES, IE, or IT IBAN based on your location, but you can also open additional bank accounts and choose the IBAN that works best for you.

Yellow hand holding a bunq card with exchange amount over a world map.

Foreign Currencies

Add dedicated bank accounts to your bunq app and manage your money effortlessly. Spend, receive, and hold funds in 19 foreign currencies, all with an international IBAN and competitive exchange rates.

Yellow hand holding a bunq card with exchange amount over a world map.

Foreign Currencies

Add dedicated bank accounts to your bunq app and manage your money effortlessly. Spend, receive, and hold funds in 19 foreign currencies, all with an international IBAN and competitive exchange rates.

Yellow hand holding a bunq card with exchange amount over a world map.

Foreign Currencies

Add dedicated bank accounts to your bunq app and manage your money effortlessly. Spend, receive, and hold funds in 19 foreign currencies, all with an international IBAN and competitive exchange rates.

Transaction overview card showing €500 sent through international transfer.

Foreign Currency Transfer

Easily send money to anyone in 47 foreign currencies, directly from your Euro account. You’ll see our low transaction fee and competitive exchange rate upfront, so there are no surprises later.

Transaction overview card showing €500 sent through international transfer.

Foreign Currency Transfer

Easily send money to anyone in 47 foreign currencies, directly from your Euro account. You’ll see our low transaction fee and competitive exchange rate upfront, so there are no surprises later.

Transaction overview card showing €500 sent through international transfer.

Foreign Currency Transfer

Easily send money to anyone in 47 foreign currencies, directly from your Euro account. You’ll see our low transaction fee and competitive exchange rate upfront, so there are no surprises later.

Currency card showing exchange of ¥2,890 with Japanese, Turkish, and US flags.

Get the best exchange rate abroad

With ZeroFX, use your bunq card abroad and get the best value on non-euro transactions. While traditional banks charge high extra fees for using your card in foreign currencies—we don't! Instead, to protect you from currency fluctuations, and give you the best possible rates, we add a 0.5% mark up to the latest rate when markets are open.

Currency card showing exchange of ¥2,890 with Japanese, Turkish, and US flags.

Get the best exchange rate abroad

With ZeroFX, use your bunq card abroad and get the best value on non-euro transactions. While traditional banks charge high extra fees for using your card in foreign currencies—we don't! Instead, to protect you from currency fluctuations, and give you the best possible rates, we add a 0.5% mark up to the latest rate when markets are open.

Currency card showing exchange of ¥2,890 with Japanese, Turkish, and US flags.

Get the best exchange rate abroad

With ZeroFX, use your bunq card abroad and get the best value on non-euro transactions. While traditional banks charge high extra fees for using your card in foreign currencies—we don't! Instead, to protect you from currency fluctuations, and give you the best possible rates, we add a 0.5% mark up to the latest rate when markets are open.

Interest rates for GBP, EUR and USD savings.

Earn top interest on Foreign Currencies

Earn high interest across 8 global currencies with bunq. Get up to 3.01% annual interest on USD and GBP, and up to 27% annual interest* on selected global currencies like TRY, PLN, and ZAR—all paid out weekly.

* Highest interest rate is shown

Exchange rates, interest rates, and inflation can change at any time. When you hold money in a foreign-currency account, the value of your balance may rise or fall relative to your home currency, meaning you may receive back less in your home currency than you originally deposited. Interest on foreign-currency balances is earned in those currencies up to the equivalent of €100,000 per user, based on applicable conversion rates. Learn More

Interest rates for GBP, EUR and USD savings.

Earn top interest on Foreign Currencies

Earn high interest across 8 global currencies with bunq. Get up to 3.01% annual interest on USD and GBP, and up to 27% annual interest* on selected global currencies like TRY, PLN, and ZAR—all paid out weekly.

* Highest interest rate is shown

Exchange rates, interest rates, and inflation can change at any time. When you hold money in a foreign-currency account, the value of your balance may rise or fall relative to your home currency, meaning you may receive back less in your home currency than you originally deposited. Interest on foreign-currency balances is earned in those currencies up to the equivalent of €100,000 per user, based on applicable conversion rates. Learn More

Interest rates for GBP, EUR and USD savings.

Earn top interest on Foreign Currencies

Earn high interest across 8 global currencies with bunq. Get up to 3.01% annual interest on USD and GBP, and up to 27% annual interest* on selected global currencies like TRY, PLN, and ZAR—all paid out weekly.

* Highest interest rate is shown

Exchange rates, interest rates, and inflation can change at any time. When you hold money in a foreign-currency account, the value of your balance may rise or fall relative to your home currency, meaning you may receive back less in your home currency than you originally deposited. Interest on foreign-currency balances is earned in those currencies up to the equivalent of €100,000 per user, based on applicable conversion rates. Learn More

Choose your plan

Try it free for 30 days, no strings attached.

bunq Free

Free

The essentials to get you started.

bunq Core

€3.99/month

The bank account for everyday use.

bunq Pro

€9.99/month

The bank account that makes budgeting easy.

bunq Elite

€18.99/month

The bank account designed for your international lifestyle.

Choose your plan

Try it free for 30 days, no strings attached.

bunq Free

Free

The essentials to get you started.

bunq Core

€3.99/month

The bank account for everyday use.

bunq Pro

€9.99/month

The bank account that makes budgeting easy.

bunq Elite

€18.99/month

The bank account designed for your international lifestyle.

Choose your plan

Try it free for 30 days, no strings attached.

bunq Free

Free

The essentials to get you started.

bunq Core

€3.99/month

The bank account for everyday use.

bunq Pro

€9.99/month

The bank account that makes budgeting easy.

bunq Elite

€18.99/month

The bank account designed for your international lifestyle.

Trusted by millions of users

Join over 20 million users on the bunq platform

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Card Payment Refunds

Your money is protected if something doesn't go as planned.

Instant Payments

Send and receive money instantly, no waiting.

24/7 support

Instant help in your language, whenever you need it.

Trusted by millions of users

Join over 20 million users on the bunq platform

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Card Payment Refunds

Your money is protected if something doesn't go as planned.

Instant Payments

Send and receive money instantly, no waiting.

24/7 support

Instant help in your language, whenever you need it.

Trusted by millions of users

Join over 20 million users on the bunq platform

Insured up to €100,000

Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).

Card Payment Refunds

Your money is protected if something doesn't go as planned.

Instant Payments

Send and receive money instantly, no waiting.

24/7 support

Instant help in your language, whenever you need it.

Start your 30-day free trial

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

Frequently Asked Questions

How does ZeroFX work?

ZeroFX helps you save money on foreign exchange fees when you spend abroad. Here’s how:

  1. No fixed fees for spending abroad
    Instead of a fixed fee, you get the Mastercard exchange rate plus a 0.5% network fee to protect you from currency fluctuations. This means you always get the best possible rate, confirmed the moment the merchant approves the payment

  2. Always opt for the local currency
    To activate ZeroFX, simply choose to pay in the local currency when you're at a shop or ATM. This ensures you get the real exchange rate without hidden markups.

  3. Threshold for free usage
    For bunq Free users, ZeroFX applies to payments below a €1,000 threshold. If your payment exceeds this limit, you’ll be charged a 1% conversion fee on the amount above it.

  4. See your monthly savings
    Track how much you’ve saved with ZeroFX right in the app. It’s a great way to see your savings add up, especially if you travel often.

ZeroFX helps you save money on foreign exchange fees when you spend abroad. Here’s how:

  1. No fixed fees for spending abroad
    Instead of a fixed fee, you get the Mastercard exchange rate plus a 0.5% network fee to protect you from currency fluctuations. This means you always get the best possible rate, confirmed the moment the merchant approves the payment

  2. Always opt for the local currency
    To activate ZeroFX, simply choose to pay in the local currency when you're at a shop or ATM. This ensures you get the real exchange rate without hidden markups.

  3. Threshold for free usage
    For bunq Free users, ZeroFX applies to payments below a €1,000 threshold. If your payment exceeds this limit, you’ll be charged a 1% conversion fee on the amount above it.

  4. See your monthly savings
    Track how much you’ve saved with ZeroFX right in the app. It’s a great way to see your savings add up, especially if you travel often.

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