Open an account before you land

Forget long lines and paperwork. With bunq, you can open your European bank account in just 5 minutes—even before you arrive. No local tax number? No problem. You’ll have 90 days to sort it out, so you can start receiving your salary and paying rent right away.

Skip the hidden fees

Currency conversion charges can eat into your budget fast. That’s why bunq offers ZeroFX: spend or withdraw money abroad without paying extra on the exchange rate. Ideal if you’re earning in one currency and spending in another—or just love to travel around the world.

Organize your money your way

Living abroad means juggling expenses: rent, groceries, flights home, weekend getaways. With bunq, you can open up to 25 separate Bank Accounts, each with its own IBAN. Set one up for each goal and track where your money’s going without thinking twice.

Save without trying

No complicated spreadsheets. Just turn on Auto Round Up and let your spare change do the work. Every time you buy something, we’ll round up your payment and stash the rest. You can even round up to the nearest €2 or €5 if you’re feeling ambitious.

Sort your salary automatically

Once payday hits, bunq’s Organize Your Income splits your income across your accounts in seconds. Set fixed amounts or percentages—it’s up to you. That means your rent, savings, and fun money are exactly where they need to be, with zero effort.

Stay in the loop

Laws, tax rules, inflation—things change fast when you live abroad. Keep an eye on local news, join expat forums, and follow trusted financial sources so you’re not caught off guard.

Why expats choose bunq

bunq makes it easy to bank in your own language, avoid hidden fees, and stay in control—whether you're settling in or planning your next move. From ZeroFX to Auto Round Up, we’re here to help you manage your money with confidence, from day one.