No paperwork
Just download the bunq app and sign up, even before moving to the Netherlands.
Start banking in minutes
Open a Bank Account before you unpack. No tax ID, no paperwork, full English support. Settle in, stress-free.
Start banking in minutes
Open a Bank Account before you unpack. No tax ID, no paperwork, full English support. Settle in, stress-free.
Start banking in minutes
Open a Bank Account before you unpack. No tax ID, 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 the Netherlands.
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 the Netherlands.
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.
Earn up to 3.01% on your savings
Boost your savings with 3.01% annual interest on EUR, and 3.01% 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
Earn up to 3.01% on your savings
Boost your savings with 3.01% annual interest on EUR, and 3.01% 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
Earn up to 3.01% on your savings
Boost your savings with 3.01% annual interest on EUR, and 3.01% 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 with just €10 and enjoy zero fees for the first 3 months.
*
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 with just €10 and enjoy zero fees for the first 3 months.
*
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 with just €10 and enjoy zero fees for the first 3 months.
*
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.
*
Investment services are provided by Kraken. 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.
*
Investment services are provided by Kraken. 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.
*
Investment services are provided by Kraken. 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 Metal Card, extra Bonus Interest, or three months of free stock trading.
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 Metal Card, extra Bonus Interest, or three months of free stock trading.
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 Metal Card, extra Bonus Interest, or three months of free stock trading.
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.
Tap to Pay lets Business users accept in-person card payments with your phone. A transaction fee applies; check the Tap to Pay section in your app for current rates.
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.
Tap to Pay lets Business users accept in-person card payments with your phone. A transaction fee applies; check the Tap to Pay section in your app for current rates.
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.
Tap to Pay lets Business users accept in-person card payments with your phone. A transaction fee applies; check the Tap to Pay section in your app for current rates.
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.
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