Payments with bunq

Instant Payments are included with all our Personal plans at no additional costs.

Imagine you frequently order groceries online from your favorite store. Instead of manually approving the payment every time, you enable AutoAccept for that store. Now, whenever you place an order, the payment is instantly approved, saving you time and hassle—while still keeping full control over where your money goes.

For optimum control, we always make sure that you authorize a payment before it’s done. However, the Auto Accept feature allows each one of you, regardless of your plan, to automate payments to your favorite online stores or to your best friends. You can simply enable Auto Accept and automatically approve all future payments to your selected list.

bunq.me is a convenient feature that allows you to send and receive money with just a link. However, to ensure security and maintain a healthy financial environment, there are certain limits and fees associated with its usage.

bunq.me limits

Total weekly bunq.me limit: €1,500

• iDeal payments: €1,500 maximum for the day.

• Bancontact: €1,000 per transaction.

• Debit / Credit card payments: from €10 to €500 per transaction.

bunq.me fees

Receiving instant bunq.me payments via iDEAL or Bancontact

• Personal: Free

• Business: €0.27 per payment

Receiving bunq.me payments with debit or credit card

• Personal: 2.5%

• Business: 2.5% + €0.27 per payment

Each card payment made with your Credit or Debit Card is subject to a chargeback. You can request a chargeback for payments made with a bunq Credit Card or Debit Card within 90 to 120 calendar days of the transaction date.

However, Mastercard has set certain requirements under which a chargeback can be requested. In this topic, we’ll go through all the reasoning codes provided by them.

When can I request a chargeback?

You can request a chargeback in the following cases:

• The product or service you paid for wasn’t received

• The product or service you paid for is defective

• The product or service you paid for didn’t match the description

• The merchandise you received is fake and fraudulent

• A travel service you paid for is no longer available as the provider is no longer operating

• The merchant promised you a refund but you didn't receive it within 15 business days

• A merchant charged you multiple times, even though you only authorized one payment with them

• You were charged a 'no-show' fee for accommodation which you actually used or canceled in time

• The transaction wasn’t complete but you were still charged, even though you didn't receive or use the goods or services

• The merchant was supposed to refund you, but instead they charged your card again

• The card payment is an unrecognized one.

• Bank transfers

• iDEAL payments

• Wise payments (ex. TransferWise)

• B2B direct debits

• SWIFT Payments

Additionally, card payments aren’t eligible for chargeback in the following cases:

• The transaction concerns a deposit into an investment or crypto currency account

• The transaction involves or has been executed via an e-money wallet (like PayPal or Curve card)

• The transaction concerns a donation (i.e., a payment to a charity)

• The transaction was executed on a gambling or betting website.

If you're looking for a chargeback for one of these options, we recommend directly requesting it from the other party.

The entire chargeback process, as determined by Mastercard, can take anywhere from 50 to 120 days, depending on your case. We’ll keep you updated every step of the way.