No paperwork
Just download the bunq app and sign up, even before moving to Ireland.
Start banking in minutes
Open a Bank Account before you unpack. No PPS Number, no paperwork, full English support. Settle in, stress-free.
Start banking in minutes
Open a Bank Account before you unpack. No PPS Number, no paperwork, full English support. Settle in, stress-free.
Start banking in minutes
Open a Bank Account before you unpack. No PPS Number, no paperwork, full English support. Settle in, stress-free.
Banking without borders
Open an account before you move. No BSN required to start—full support in your language.
Start without a BSN
No BSN? No problem. Start banking right away and provide it within 90 days.
Bank in your language
Thanks to AI, you can use bunq in the language of your choice.
Banking without borders
Open an account before you move. No BSN required to start—full support in your language.
No paperwork
Just download the bunq app and sign up, even before moving to Ireland.
Start without a BSN
No BSN? No problem. Start banking right away and provide it within 90 days.
Bank in your language
Thanks to AI, you can use bunq in the language of your choice.
Banking without borders
Open an account before you move. No BSN required to start—full support in your language.
No paperwork
Just download the bunq app and sign up, even before moving to Ireland.
Start without a BSN
No BSN? No problem. Start banking right away and provide it within 90 days.
Bank in your language
Thanks to AI, you can use bunq in the language of your choice.
Fast and easy international transfers
Send and receive money in multiple currencies with ease. Enjoy up to 10 free Foreign Currency Transfers each month, depending on your plan.
Fast and easy international transfers
Send and receive money in multiple currencies with ease. Enjoy up to 10 free Foreign Currency Transfers each month, depending on your plan.
Fast and easy international transfers
Send and receive money in multiple currencies with ease. Enjoy up to 10 free Foreign Currency Transfers each month, depending on your plan.
Save on currency exchange fees
Pay in any currency without losing money on the exchange. Use your bunq Card outside the Eurozone and get the real exchange rate with ZeroFX.
Save on currency exchange fees
Pay in any currency without losing money on the exchange. Use your bunq Card outside the Eurozone and get the real exchange rate with ZeroFX.
Save on currency exchange fees
Pay in any currency without losing money on the exchange. Use your bunq Card outside the Eurozone and get the real exchange rate with ZeroFX.
Grow your savings in 9 currencies
Boost your savings with up to 3.11%* annual interest on EUR, and up to 3.51% on USD and GBP. Interest is paid out every week, so you can benefit from compound interest.
*
See Savings Account terms and conditions . Rates are subject to change at any time. Interest earned is subject to applicable taxes and social security contributions. View savings rates and terms
Grow your savings in 9 currencies
Boost your savings with up to 3.11%* annual interest on EUR, and up to 3.51% on USD and GBP. Interest is paid out every week, so you can benefit from compound interest.
*
See Savings Account terms and conditions . Rates are subject to change at any time. Interest earned is subject to applicable taxes and social security contributions. View savings rates and terms
Grow your savings in 9 currencies
Boost your savings with up to 3.11%* annual interest on EUR, and up to 3.51% on USD and GBP. Interest is paid out every week, so you can benefit from compound interest.
*
See Savings Account terms and conditions . Rates are subject to change at any time. Interest earned is subject to applicable taxes and social security contributions. View savings rates and terms
Organize your money your way
New in the Netherlands or splitting time between countries? Use multiple IBANs for rent, savings, and daily spending—one app, clear separation.
Organize your money your way
New in the Netherlands or splitting time between countries? Use multiple IBANs for rent, savings, and daily spending—one app, clear separation.
Organize your money your way
New in the Netherlands or splitting time between countries? Use multiple IBANs for rent, savings, and daily spending—one app, clear separation.
Grow your wealth
Invest on the go with the bunq app. Start from just €10. No transaction fees for 3 months on up to €100,000 traded.
*
Investment services are provided by Ginmon. Please note that all investments carry a high risk of total or partial capital loss. The information contained on this page does not constitute a personal recommendation, investment advice, or an invitation to make any investment decision. Therefore, you should carefully consider your financial situation, consult the applicable documents and information, or seek independent professional advice before initiating any financial transactions or subscribing to new investment services. Learn more
Grow your wealth
Invest on the go with the bunq app. Start from just €10. No transaction fees for 3 months on up to €100,000 traded.
*
Investment services are provided by Ginmon. Please note that all investments carry a high risk of total or partial capital loss. The information contained on this page does not constitute a personal recommendation, investment advice, or an invitation to make any investment decision. Therefore, you should carefully consider your financial situation, consult the applicable documents and information, or seek independent professional advice before initiating any financial transactions or subscribing to new investment services. Learn more
Grow your wealth
Invest on the go with the bunq app. Start from just €10. No transaction fees for 3 months on up to €100,000 traded.
*
Investment services are provided by Ginmon. Please note that all investments carry a high risk of total or partial capital loss. The information contained on this page does not constitute a personal recommendation, investment advice, or an invitation to make any investment decision. Therefore, you should carefully consider your financial situation, consult the applicable documents and information, or seek independent professional advice before initiating any financial transactions or subscribing to new investment services. Learn more
Buy and sell crypto in the bunq app
Get started with crypto right from your bunq app, with Kraken-powered custody* every step of the way. Choose from supported cryptocurrencies—buying and selling takes just a tap.
*
Crypto trading is provided by Payward Europe Solutions Limited t/a Kraken, authorised by the Central Bank of Ireland. Please note that investments in digital assets (or crypto assets) carry a high risk of total or partial capital loss. The information contained on this page should not be construed as a personal recommendation, investment advice, or an invitation to make any investment decision. Therefore, you should carefully consider your financial situation, consult the applicable documents and information, or seek independent professional advice before initiating any financial transactions or subscribing to new investment services.
Buy and sell crypto in the bunq app
Get started with crypto right from your bunq app, with Kraken-powered custody* every step of the way. Choose from supported cryptocurrencies—buying and selling takes just a tap.
*
Crypto trading is provided by Payward Europe Solutions Limited t/a Kraken, authorised by the Central Bank of Ireland. Please note that investments in digital assets (or crypto assets) carry a high risk of total or partial capital loss. The information contained on this page should not be construed as a personal recommendation, investment advice, or an invitation to make any investment decision. Therefore, you should carefully consider your financial situation, consult the applicable documents and information, or seek independent professional advice before initiating any financial transactions or subscribing to new investment services.
Buy and sell crypto in the bunq app
Get started with crypto right from your bunq app, with Kraken-powered custody* every step of the way. Choose from supported cryptocurrencies—buying and selling takes just a tap.
*
Crypto trading is provided by Payward Europe Solutions Limited t/a Kraken, authorised by the Central Bank of Ireland. Please note that investments in digital assets (or crypto assets) carry a high risk of total or partial capital loss. The information contained on this page should not be construed as a personal recommendation, investment advice, or an invitation to make any investment decision. Therefore, you should carefully consider your financial situation, consult the applicable documents and information, or seek independent professional advice before initiating any financial transactions or subscribing to new investment services.
Travel with total peace of mind
Heading somewhere? Get worldwide Travel Insurance and an eSIM on bunq Elite—so you're covered before you go.
Travel with total peace of mind
Heading somewhere? Get worldwide Travel Insurance and an eSIM on bunq Elite—so you're covered before you go.
Travel with total peace of mind
Heading somewhere? Get worldwide Travel Insurance and an eSIM on bunq Elite—so you're covered before you go.
Invite your friends and unlock exclusive rewards
Know someone who needs a Bank Account? Give them a head start with bunq. When your friend joins, you both receive rewards like a free Personalized Card (on bunq Core, bunq Pro, or bunq Elite), extra Bonus Interest, or three months of free stock trading. Rewards vary by user, campaign, and country.
Invite your friends and unlock exclusive rewards
Know someone who needs a Bank Account? Give them a head start with bunq. When your friend joins, you both receive rewards like a free Personalized Card (on bunq Core, bunq Pro, or bunq Elite), extra Bonus Interest, or three months of free stock trading. Rewards vary by user, campaign, and country.
Invite your friends and unlock exclusive rewards
Know someone who needs a Bank Account? Give them a head start with bunq. When your friend joins, you both receive rewards like a free Personalized Card (on bunq Core, bunq Pro, or bunq Elite), extra Bonus Interest, or three months of free stock trading. Rewards vary by user, campaign, and country.
Disclaimer
* Up to 3.11% interest. Rate shown is the maximum bonus rate, available up to your first threshold calculation (based on your highest balance in the last 6 months, recalculated every 6 months). After recalculation, the part of your balance up to this threshold earns the base rate of 1.61% on the first €10,000 of that part and 1.51% on the rest. The part above the threshold earns 3.11%. bunq B.V. trading as bunq is licensed by the Dutch Central Bank (DNB) in the Netherlands and is regulated by the Central Bank of Ireland for conduct of business rules. Not investment advice. Variable interest rate, currently up to 3.11%, subject to change. Interest paid weekly. No minimum deposit required. T&Cs apply
Choose your personal plan
Start simple. Upgrade when you want more ways to save, spend, and travel.
Choose your personal plan
Start simple. Upgrade when you want more ways to save, spend, and travel.
Choose your personal plan
Start simple. Upgrade when you want more ways to save, spend, and travel.
Frequently Asked Questions
Quick answers to help you pick the right setup and get started.
Your rate depends on the term you choose. We show gross annual interest rates for each term length in the app so you can compare options.
Open Term Deposits in the app for today’s rates.
The bunq Credit Card is a Mastercard. It functions as a Credit Card for merchants, which helps with hotel reservations and car rentals that often require a Credit Card. For you, it works like a debit card: payments debit your linked account directly, with no credit line.
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.
Both spend money you already hold at bunq. The Credit Card is accepted wherever Mastercard expects a credit line for holds, hotels, rentals, security deposits, while the Debit Card handles everyday spend everywhere else.
Bring the Credit Card when a merchant insists on credit; use Debit for most other payments.
On paid plans you can order Credit Cards within your included card allowance. bunq Free includes a Digital Card for Apple Pay or Google Pay; physical Credit Cards require a paid plan.
Frequently Asked Questions
Quick answers to help you pick the right setup and get started.
Your rate depends on the term you choose. We show gross annual interest rates for each term length in the app so you can compare options.
Open Term Deposits in the app for today’s rates.
The bunq Credit Card is a Mastercard. It functions as a Credit Card for merchants, which helps with hotel reservations and car rentals that often require a Credit Card. For you, it works like a debit card: payments debit your linked account directly, with no credit line.
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.
Both spend money you already hold at bunq. The Credit Card is accepted wherever Mastercard expects a credit line for holds, hotels, rentals, security deposits, while the Debit Card handles everyday spend everywhere else.
Bring the Credit Card when a merchant insists on credit; use Debit for most other payments.
On paid plans you can order Credit Cards within your included card allowance. bunq Free includes a Digital Card for Apple Pay or Google Pay; physical Credit Cards require a paid plan.
Frequently Asked Questions
Quick answers to help you pick the right setup and get started.
Your rate depends on the term you choose. We show gross annual interest rates for each term length in the app so you can compare options.
Open Term Deposits in the app for today’s rates.
The bunq Credit Card is a Mastercard. It functions as a Credit Card for merchants, which helps with hotel reservations and car rentals that often require a Credit Card. For you, it works like a debit card: payments debit your linked account directly, with no credit line.
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.
Both spend money you already hold at bunq. The Credit Card is accepted wherever Mastercard expects a credit line for holds, hotels, rentals, security deposits, while the Debit Card handles everyday spend everywhere else.
Bring the Credit Card when a merchant insists on credit; use Debit for most other payments.
On paid plans you can order Credit Cards within your included card allowance. bunq Free includes a Digital Card for Apple Pay or Google Pay; physical Credit Cards require a paid plan.
Ready to try bunq?
Download the app and open an account in minutes. Pick a plan that fits how you spend and save.
Ready to try bunq?
Download the app and open an account in minutes. Pick a plan that fits how you spend and save.
Ready to try bunq?
Download the app and open an account in minutes. Pick a plan that fits how you spend and save.
