No paperwork
Just download the bunq app, start banking right away, and sign up from anywhere.
Your free bank account
Your free Bank Account with no monthly fee—everything you need to start with bunq.
Your free bank account
Your free Bank Account with no monthly fee—everything you need to start with bunq.
Your free bank account
Your free Bank Account with no monthly fee—everything you need to start with bunq.
Your new Bank Account, ready in just 5 minutes
Accounts, cards, and savings with interest—all in one app.
Start without tax ID
No tax ID? No problem. Start banking right away and provide it within 90 days.
No monthly fee
Your full Bank Account stays free. Open it in minutes and keep banking without a subscription.
Your new Bank Account, ready in just 5 minutes
Accounts, cards, and savings with interest—all in one app.
No paperwork
Just download the bunq app, start banking right away, and sign up from anywhere.
Start without tax ID
No tax ID? No problem. Start banking right away and provide it within 90 days.
No monthly fee
Your full Bank Account stays free. Open it in minutes and keep banking without a subscription.
Your new Bank Account, ready in just 5 minutes
Accounts, cards, and savings with interest—all in one app.
No paperwork
Just download the bunq app, start banking right away, and sign up from anywhere.
Start without tax ID
No tax ID? No problem. Start banking right away and provide it within 90 days.
No monthly fee
Your full Bank Account stays free. Open it in minutes and keep banking without a subscription.
Bank Account and Savings Account
Organize your finances with up to 3 dedicated Money Pockets. Each comes with a unique IBAN, so you can easily transfer money and use them for Direct Debits.
Bank Account and Savings Account
Organize your finances with up to 3 dedicated Money Pockets. Each comes with a unique IBAN, so you can easily transfer money and use them for Direct Debits.
Bank Account and Savings Account
Organize your finances with up to 3 dedicated Money Pockets. Each comes with a unique IBAN, so you can easily transfer money and use them for Direct Debits.
3.01%* annual interest paid out weekly
Grow your savings faster. Earn a highly competitive interest rate with weekly payouts, helping you benefit from compound interest and reach your goals sooner.
*
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 full details here.
3.01%* annual interest paid out weekly
Grow your savings faster. Earn a highly competitive interest rate with weekly payouts, helping you benefit from compound interest and reach your goals sooner.
*
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 full details here.
3.01%* annual interest paid out weekly
Grow your savings faster. Earn a highly competitive interest rate with weekly payouts, helping you benefit from compound interest and reach your goals sooner.
*
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 full details here.
Everything in an instant
See every payment instantly. Track your spending as it happens and adjust your limits on the go—with zero waiting for end-of-day statements.
Everything in an instant
See every payment instantly. Track your spending as it happens and adjust your limits on the go—with zero waiting for end-of-day statements.
Everything in an instant
See every payment instantly. Track your spending as it happens and adjust your limits on the go—with zero waiting for end-of-day statements.
Get your Digital Credit Card
Every bunq user gets a Credit Card with no interest fees or annual charges. Create yours in the app, add funds, then add it to Apple Pay or Google Pay to pay from your phone.
Get your Digital Credit Card
Every bunq user gets a Credit Card with no interest fees or annual charges. Create yours in the app, add funds, then add it to Apple Pay or Google Pay to pay from your phone.
Get your Digital Credit Card
Every bunq user gets a Credit Card with no interest fees or annual charges. Create yours in the app, add funds, then add it to Apple Pay or Google Pay to pay from your phone.
Effortless payment management
Automatically approve requests from contacts you trust, and easily schedule your bills or transfers in advance.
Effortless payment management
Automatically approve requests from contacts you trust, and easily schedule your bills or transfers in advance.
Effortless payment management
Automatically approve requests from contacts you trust, and easily schedule your bills or transfers in advance.
Buy and sell crypto in the bunq app
Get started with crypto. Buy and sell top cryptocurrencies instantly in your bunq app, backed by industry-leading protection.*
*
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. Buy and sell top cryptocurrencies instantly in your bunq app, backed by industry-leading protection.*
*
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. Buy and sell top cryptocurrencies instantly in your bunq app, backed by industry-leading protection.*
*
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.
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
Get strong card rates abroad with ZeroFX
Pay in foreign currencies for less. Use your card to get the standard exchange rate on your purchases abroad. If you are on the Free plan, you can spend up to €1,000 per year at this rate.
*
After €1,000 of foreign-currency card spend in a calendar year, a fee of 3% of each further transaction amount applies. See the pricing sheet .
Get strong card rates abroad with ZeroFX
Pay in foreign currencies for less. Use your card to get the standard exchange rate on your purchases abroad. If you are on the Free plan, you can spend up to €1,000 per year at this rate.
*
After €1,000 of foreign-currency card spend in a calendar year, a fee of 3% of each further transaction amount applies. See the pricing sheet .
Get strong card rates abroad with ZeroFX
Pay in foreign currencies for less. Use your card to get the standard exchange rate on your purchases abroad. If you are on the Free plan, you can spend up to €1,000 per year at this rate.
*
After €1,000 of foreign-currency card spend in a calendar year, a fee of 3% of each further transaction amount applies. See the pricing sheet .
Get instant support, 24/7
Got a question? Get all the answers you need in seconds. Chat in your language at any hour, wherever you are.
Get instant support, 24/7
Got a question? Get all the answers you need in seconds. Chat in your language at any hour, wherever you are.
Get instant support, 24/7
Got a question? Get all the answers you need in seconds. Chat in your language at any hour, wherever you are.
Loved by our users
Real reviews from bunq users.
Super easy to use, fast transfers, and the travel card works perfectly. Love how smooth everything is and how quick notifications come through. Makes managing money way easier. 5 stars ⭐️
mandemiamnotplayingugetme
App Store
Super easy to use helps me budget, pay bills,save for goals, and even invest.It's changed how I handle money!
Mustafa
Google Play
Even though you can't make deposits or withdrawals here it still was a very welcoming place for our meetup :)
Gérard
Loved by our users
Real reviews from bunq users.
Super easy to use, fast transfers, and the travel card works perfectly. Love how smooth everything is and how quick notifications come through. Makes managing money way easier. 5 stars ⭐️
mandemiamnotplayingugetme
App Store
Super easy to use helps me budget, pay bills,save for goals, and even invest.It's changed how I handle money!
Mustafa
Google Play
Even though you can't make deposits or withdrawals here it still was a very welcoming place for our meetup :)
Gérard
Loved by our users
Real reviews from bunq users.
Super easy to use, fast transfers, and the travel card works perfectly. Love how smooth everything is and how quick notifications come through. Makes managing money way easier. 5 stars ⭐️
mandemiamnotplayingugetme
App Store
Super easy to use helps me budget, pay bills,save for goals, and even invest.It's changed how I handle money!
Mustafa
Google Play
Even though you can't make deposits or withdrawals here it still was a very welcoming place for our meetup :)
Gérard
Pick the plan you need
Start simple. Upgrade when you want more ways to save, spend, and travel.
Pick the plan you need
Start simple. Upgrade when you want more ways to save, spend, and travel.
Pick the plan you need
Start simple. Upgrade when you want more ways to save, spend, and travel.
Frequently Asked Questions
ZeroFX is on by default: card spending abroad uses the Mastercard rate with a 0.5% currency fluctuation adjustment while markets are open. Choose local currency at the terminal when you can.
bunq Free includes up to €1,000 of foreign-currency ZeroFX spend per year; above that, standard currency conversion fees apply. Core, Pro, and Elite have unlimited ZeroFX.
Yes. You can switch between bunq Free, bunq Core, bunq Pro, and bunq Elite anytime in the app. Your new plan usually starts when your current billing cycle ends (upgrades from Free start right away).
bunq Free includes the essentials: multiple Bank Accounts, instant and Scheduled Payments, bunq.me links, Apple Pay and Google Pay, a Digital Card, limited yearly ZeroFX, MassInterest where you qualify, Tap to Pay where supported, Joint Accounts, Group Expenses, eSIM tools, and bunq Web.
Upgrade anytime for physical cards and higher limits.
Yes. bunq Free has no monthly plan fee. Download the app, sign up in minutes, and add funds whenever you like. Some actions use Free-tier limits; upgrade to Core, Pro, or Elite when you need more.
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.
Your rate depends on plan, currency, and how much you save. EUR, USD, and GBP Savings each have published variable rates, check the Savings tab or plan comparison for today’s numbers and bonus thresholds.
Frequently Asked Questions
ZeroFX is on by default: card spending abroad uses the Mastercard rate with a 0.5% currency fluctuation adjustment while markets are open. Choose local currency at the terminal when you can.
bunq Free includes up to €1,000 of foreign-currency ZeroFX spend per year; above that, standard currency conversion fees apply. Core, Pro, and Elite have unlimited ZeroFX.
Yes. You can switch between bunq Free, bunq Core, bunq Pro, and bunq Elite anytime in the app. Your new plan usually starts when your current billing cycle ends (upgrades from Free start right away).
bunq Free includes the essentials: multiple Bank Accounts, instant and Scheduled Payments, bunq.me links, Apple Pay and Google Pay, a Digital Card, limited yearly ZeroFX, MassInterest where you qualify, Tap to Pay where supported, Joint Accounts, Group Expenses, eSIM tools, and bunq Web.
Upgrade anytime for physical cards and higher limits.
Yes. bunq Free has no monthly plan fee. Download the app, sign up in minutes, and add funds whenever you like. Some actions use Free-tier limits; upgrade to Core, Pro, or Elite when you need more.
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.
Your rate depends on plan, currency, and how much you save. EUR, USD, and GBP Savings each have published variable rates, check the Savings tab or plan comparison for today’s numbers and bonus thresholds.
Frequently Asked Questions
ZeroFX is on by default: card spending abroad uses the Mastercard rate with a 0.5% currency fluctuation adjustment while markets are open. Choose local currency at the terminal when you can.
bunq Free includes up to €1,000 of foreign-currency ZeroFX spend per year; above that, standard currency conversion fees apply. Core, Pro, and Elite have unlimited ZeroFX.
Yes. You can switch between bunq Free, bunq Core, bunq Pro, and bunq Elite anytime in the app. Your new plan usually starts when your current billing cycle ends (upgrades from Free start right away).
bunq Free includes the essentials: multiple Bank Accounts, instant and Scheduled Payments, bunq.me links, Apple Pay and Google Pay, a Digital Card, limited yearly ZeroFX, MassInterest where you qualify, Tap to Pay where supported, Joint Accounts, Group Expenses, eSIM tools, and bunq Web.
Upgrade anytime for physical cards and higher limits.
Yes. bunq Free has no monthly plan fee. Download the app, sign up in minutes, and add funds whenever you like. Some actions use Free-tier limits; upgrade to Core, Pro, or Elite when you need more.
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.
Your rate depends on plan, currency, and how much you save. EUR, USD, and GBP Savings each have published variable rates, check the Savings tab or plan comparison for today’s numbers and bonus thresholds.
Start banking your way
Open a bunq personal account from your phone and organize spending, savings, and cards in one app.
Start banking your way
Open a bunq personal account from your phone and organize spending, savings, and cards in one app.
Start banking your way
Open a bunq personal account from your phone and organize spending, savings, and cards in one app.
Guides for everyday banking
Tips on saving, budgeting, and getting more from your bunq account.
Business2 minute read
Getting Started with bunq Business Accounts
Simplify your business finances with bunq. Instant Payments, multi-currency, and tools that grow with you.
News2 minute read
bunq Launches Credit Card Across the European Union
bunq Credit Cards reach more EU countries, see where they work, what you get on travel and daily spend, and how to order from the app.
News3 minute read
Top Ways to Use bunq’s Digital Cards
Issue Digital Cards for subscriptions, travel, or business spend, separate limits and instant controls keep online payments predictable and safe.
Guides for everyday banking
Tips on saving, budgeting, and getting more from your bunq account.
Business2 minute read
Getting Started with bunq Business Accounts
Simplify your business finances with bunq. Instant Payments, multi-currency, and tools that grow with you.
News2 minute read
bunq Launches Credit Card Across the European Union
bunq Credit Cards reach more EU countries, see where they work, what you get on travel and daily spend, and how to order from the app.
News3 minute read
Top Ways to Use bunq’s Digital Cards
Issue Digital Cards for subscriptions, travel, or business spend, separate limits and instant controls keep online payments predictable and safe.
Guides for everyday banking
Tips on saving, budgeting, and getting more from your bunq account.
Business2 minute read
Getting Started with bunq Business Accounts
Simplify your business finances with bunq. Instant Payments, multi-currency, and tools that grow with you.
News2 minute read
bunq Launches Credit Card Across the European Union
bunq Credit Cards reach more EU countries, see where they work, what you get on travel and daily spend, and how to order from the app.
News3 minute read
Top Ways to Use bunq’s Digital Cards
Issue Digital Cards for subscriptions, travel, or business spend, separate limits and instant controls keep online payments predictable and safe.