ZeroFX
Get the latest market rate with a transparent 0.5% markup—far less than the 1–3% most banks charge.
ZeroFX · currency exchange
Your money without borders
Send, hold, and spend globally with real-time market exchange rates and upfront fees.
ZeroFX · currency exchange
Your money without borders
Send, hold, and spend globally with real-time market exchange rates and upfront fees.
ZeroFX · currency exchange
Your money without borders
Send, hold, and spend globally with real-time market exchange rates and upfront fees.
Safety Shield
Your global transfers are secured, backed by a fully licensed EU bank.
Fast transfers
Send money in just a few taps. Instantly for eligible routes, and always on the fastest path.
ZeroFX
Get the latest market rate with a transparent 0.5% markup—far less than the 1–3% most banks charge.
Safety Shield
Your global transfers are secured, backed by a fully licensed EU bank.
Fast transfers
Send money in just a few taps. Instantly for eligible routes, and always on the fastest path.
ZeroFX
Get the latest market rate with a transparent 0.5% markup—far less than the 1–3% most banks charge.
Safety Shield
Your global transfers are secured, backed by a fully licensed EU bank.
Fast transfers
Send money in just a few taps. Instantly for eligible routes, and always on the fastest path.
Hold and spend in 20+ currencies
Keep balances in euro, dollars, pounds and more. When you pay in a currency you already hold, bunq takes it from that balance—no conversion at all.
Hold and spend in 20+ currencies
Keep balances in euro, dollars, pounds and more. When you pay in a currency you already hold, bunq takes it from that balance—no conversion at all.
Hold and spend in 20+ currencies
Keep balances in euro, dollars, pounds and more. When you pay in a currency you already hold, bunq takes it from that balance—no conversion at all.
“bunq is the solution to many money-related troubles we have when we travel. The foreign exchange fees are so small that you can almost ignore them, which makes it a perfect option for expat people or frequent travellers.”
Luc
“bunq is the solution to many money-related troubles we have when we travel. The foreign exchange fees are so small that you can almost ignore them, which makes it a perfect option for expat people or frequent travellers.”
Luc
“bunq is the solution to many money-related troubles we have when we travel. The foreign exchange fees are so small that you can almost ignore them, which makes it a perfect option for expat people or frequent travellers.”
Luc
Send more home with low FX fees
Hold your salary in one currency and send it home at the latest rate with just 0.5% markup—shown upfront before you confirm.
Get paid globally, spend locally
Hold, save, and spend in USD, EUR, and GBP. Avoid automatic bank conversions to keep control over your freelance profit margins.
Study abroad without inflated bank rates
Pay tuition and living costs at the latest rate with a 0.5% markup—much lower than the hidden fees and inflated rates traditional banks charge.
Move capital without losing thousands
Invest globally and buy property at the latest rate with just 0.5% markup. Hold multiple currencies and bring your returns home for less.
Travel worry-free, from fees to tipping
Spend abroad with a 0.5% markup on the latest rate, plus low-cost ATM withdrawals. Get instant travel tips on exchange rates and local customs in the app.
Send more home with low FX fees
Hold your salary in one currency and send it home at the latest rate with just 0.5% markup—shown upfront before you confirm.
Get paid globally, spend locally
Hold, save, and spend in USD, EUR, and GBP. Avoid automatic bank conversions to keep control over your freelance profit margins.
Study abroad without inflated bank rates
Pay tuition and living costs at the latest rate with a 0.5% markup—much lower than the hidden fees and inflated rates traditional banks charge.
Move capital without losing thousands
Invest globally and buy property at the latest rate with just 0.5% markup. Hold multiple currencies and bring your returns home for less.
Travel worry-free, from fees to tipping
Spend abroad with a 0.5% markup on the latest rate, plus low-cost ATM withdrawals. Get instant travel tips on exchange rates and local customs in the app.
Send more home with low FX fees
Hold your salary in one currency and send it home at the latest rate with just 0.5% markup—shown upfront before you confirm.
Get paid globally, spend locally
Hold, save, and spend in USD, EUR, and GBP. Avoid automatic bank conversions to keep control over your freelance profit margins.
Study abroad without inflated bank rates
Pay tuition and living costs at the latest rate with a 0.5% markup—much lower than the hidden fees and inflated rates traditional banks charge.
Move capital without losing thousands
Invest globally and buy property at the latest rate with just 0.5% markup. Hold multiple currencies and bring your returns home for less.
Travel worry-free, from fees to tipping
Spend abroad with a 0.5% markup on the latest rate, plus low-cost ATM withdrawals. Get instant travel tips on exchange rates and local customs in the app.
Disclaimer
Comparison details may change over time. Check the latest terms, fees, and eligibility before choosing an account.
Disclaimer
Comparison details may change over time. Check the latest terms, fees, and eligibility before choosing an account.
Disclaimer
Comparison details may change over time. Check the latest terms, fees, and eligibility before choosing an account.
You're in good company
€100K
Insured
Protected by the Dutch Deposit Guarantee Scheme.
20M+
Users
Millions across Europe trust bunq for their banking.
24/7
Support
Get help instantly in your language, day or night.
You're in good company
€100K
Insured
Protected by the Dutch Deposit Guarantee Scheme.
20M+
Users
Millions across Europe trust bunq for their banking.
24/7
Support
Get help instantly in your language, day or night.
You're in good company
€100K
Insured
Protected by the Dutch Deposit Guarantee Scheme.
20M+
Users
Millions across Europe trust bunq for their banking.
24/7
Support
Get help instantly in your language, day or night.
Your Bank Account, ready in 5 minutes
1.
Get the app
Download bunq and pick the plan that fits you
2.
Verify in minutes
Verify your identity and open your Bank Account
3.
Send money worldwide
Hold multiple currencies and send money abroad with low FX fees.
Your Bank Account, ready in 5 minutes
1.
Get the app
Download bunq and pick the plan that fits you
2.
Verify in minutes
Verify your identity and open your Bank Account
3.
Send money worldwide
Hold multiple currencies and send money abroad with low FX fees.
Your Bank Account, ready in 5 minutes
1.
Get the app
Download bunq and pick the plan that fits you
2.
Verify in minutes
Verify your identity and open your Bank Account
3.
Send money worldwide
Hold multiple currencies and send money abroad with low FX fees.
Choose your plan
Try it free for 30 days, no strings attached.
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bunq Free
Free
The essentials to get you started.
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bunq Core
€3.99/month
The bank account for everyday use.
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bunq Pro
€9.99/month
The bank account that makes budgeting easy.
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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.
Frequently asked questions
Clear answers about ZeroFX, foreign currencies, and sending money abroad.
ZeroFX is bunq's foreign exchange pricing when you use your card abroad, withdraw cash, or convert between currencies in the app. You pay the latest market rate plus a transparent 0.5% markup while markets are open—typically far less than the 1–3% hidden spreads most banks add. Already holding that currency? bunq spends from your balance with no conversion at all.
Still have questions?
Find everything you need to know about ZeroFX in our Help Center
Frequently asked questions
Clear answers about ZeroFX, foreign currencies, and sending money abroad.
ZeroFX is bunq's foreign exchange pricing when you use your card abroad, withdraw cash, or convert between currencies in the app. You pay the latest market rate plus a transparent 0.5% markup while markets are open—typically far less than the 1–3% hidden spreads most banks add. Already holding that currency? bunq spends from your balance with no conversion at all.
Still have questions?
Find everything you need to know about ZeroFX in our Help Center
Frequently asked questions
Clear answers about ZeroFX, foreign currencies, and sending money abroad.
ZeroFX is bunq's foreign exchange pricing when you use your card abroad, withdraw cash, or convert between currencies in the app. You pay the latest market rate plus a transparent 0.5% markup while markets are open—typically far less than the 1–3% hidden spreads most banks add. Already holding that currency? bunq spends from your balance with no conversion at all.
Still have questions?
Find everything you need to know about ZeroFX in our Help Center
Start banking without borders
Open your account in minutes. Hold multiple currencies and pay low FX fees—not inflated bank rates.
Start banking without borders
Open your account in minutes. Hold multiple currencies and pay low FX fees—not inflated bank rates.
Start banking without borders
Open your account in minutes. Hold multiple currencies and pay low FX fees—not inflated bank rates.